Terms

Buying

Every Tenny product is sold through Etsy, and Etsy's terms also apply to your purchase. Our products are digital files: you download them from Etsy after payment, and nothing physical is shipped.

Licence

Each purchase gives you a personal licence to use the file in your own personal or business work. You may change it to suit your needs and keep copies on devices you own or control. You may not resell, share or publish the original file, or use it to make a substantially identical competing product.

Not professional advice

Our spreadsheets do arithmetic on the numbers you enter. They are not tax, legal, financial or investment advice. Check that the results suit your situation, and ask a qualified professional when you need advice.

Guides

The guides on this site explain general math with example numbers. They are not advice for any particular property or business.

Liability

To the extent the law allows, our total liability for any claim about a product is limited to the amount you paid for it.

Changes

We may update these terms. The current version is always on this page.

Last updated: 2026-10-05