The short version: You buy a digital spreadsheet template from us. You get to use it forever for your own personal finances. You don't get to resell it or claim you made it. If you're not happy in the first 14 days, we'll refund you. That's basically it.
Plain Wallet is a digital product sold from the website getplainwallet.com, operated by an independent developer based in Portugal ("we", "us", "Plain Wallet"). These Terms of Service govern your use of the website and the products sold through it.
By making a purchase, you agree to these Terms. If you don't agree, please don't buy the product.
Plain Wallet is a digital spreadsheet template (an .xlsx file) that works in Microsoft Excel, Google Sheets, and Apple Numbers, along with a welcome guide (PDF) with setup instructions. It is delivered as a single ZIP archive by email after purchase.
The product is provided "as is". We do our best to make it work well, but we make no specific guarantees about your financial outcomes from using it. Plain Wallet is a personal finance tracking tool, not financial advice.
Purchases are processed by Gumroad, Inc., a third-party payment platform. By purchasing, you also agree to Gumroad's Terms of Service.
Prices are shown in US dollars (USD). Applicable VAT or sales tax is calculated and added at checkout by Gumroad based on your billing location.
Delivery of the product is automatic by email immediately after payment confirmation. If you don't receive your download link within 10 minutes, check your spam folder or contact us at hello@getplainwallet.com.
When you purchase Plain Wallet, you receive a non-exclusive, non-transferable license for personal use. This means:
If you'd like to use Plain Wallet within a business or team context, contact us for a commercial license: hello@getplainwallet.com.
We offer a 14-day money-back guarantee with no questions asked. If within 14 days of purchase you decide Plain Wallet isn't for you, simply email hello@getplainwallet.com with your order details and we'll process a full refund.
After 14 days, refunds are at our discretion and considered case-by-case.
Refunds are processed through Gumroad and typically arrive back to your payment method within 3-10 business days.
We also offer a free PDF cheatsheet delivered by email after you sign up. By signing up:
Customers receive free lifetime updates to Plain Wallet. When a new version is released, we'll email you the updated file. We don't guarantee a specific update schedule.
We provide email support at hello@getplainwallet.com. We aim to respond within 24-48 hours on weekdays.
Support covers issues with the template itself (formulas not working, file corruption, lost downloads). It does not cover general spreadsheet tutoring or financial advice.
All content on the Plain Wallet website and the template itself — including text, formulas, design, structure, logos, and branding — is owned by Plain Wallet and protected by copyright and other intellectual property laws.
Plain Wallet is a personal finance organization tool. It is not:
You are responsible for the accuracy of the data you enter and for the decisions you make based on it. To the maximum extent permitted by law, Plain Wallet and its operator are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the product.
Our total liability to you for any claim related to the product is limited to the amount you paid for it.
We reserve the right to refuse service, revoke licenses, or terminate access to our products in cases of:
We may update these Terms occasionally. The "Last updated" date at the top reflects the most recent revision. Significant changes will be announced by email to subscribers. Continued use of the website or product after changes implies acceptance.
These Terms are governed by Portuguese law. Any dispute that can't be resolved amicably will be subject to the jurisdiction of the courts of Portugal.
If you're an EU consumer, you can also access the European Online Dispute Resolution platform.
For any question about these Terms, contact us at hello@getplainwallet.com.