Welcome to Zelvinto. By accessing or using our website, Zelvinto.com (the “Site”), our free financial calculators, or purchasing our premium spreadsheet templates, you agree to be bound by these Terms of Use (“Terms”). Please read them carefully.

1. Acceptance of Terms

By using the Site, you confirm that you have read, understood, and agree to these Terms. If you do not agree, you must stop using our Site and products immediately.

2. Use of Calculators and Content

All content and calculators on the Site are provided for informational purposes only. We make no guarantees as to their accuracy, completeness, or suitability for your specific financial situation. Your reliance on any information from the Site or our calculators is solely at your own risk.

Numbers and figures you enter into our calculators are processed entirely within your browser and are not transmitted to or stored on our servers.

3. Digital Product (Template) Purchases

When you purchase a template from us, you are granted a single, non-exclusive, non-transferable licence to use it for your own personal or internal business use.

What you may do

• Download and use the template for your own business or personal financial planning.
• Modify the template to suit your own needs.

What you may not do

• Sell, share, republish, or distribute the template or any modified version of it.
• Use the template as part of a product or service you sell to a third party.
• Upload the template to any file-sharing platform or marketplace.

All sales are final. Due to the digital nature of our products, we do not offer refunds or exchanges once a purchase is completed. Please read the product description carefully before buying. If you have any questions before purchasing, contact us first.

4. Intellectual Property

All content on this Site — including text, graphics, logos, images, calculators, and spreadsheet templates — is the exclusive property of Zelvinto (Neil Booton) and is protected by UK and international copyright laws. You may not copy, reproduce, or distribute any part of this Site without our express written permission.

5. Limitation of Liability

To the fullest extent permitted by law, Zelvinto and its owner (Neil Booton) shall not be liable for any direct, indirect, incidental, special, or consequential damages — including loss of profits, data, or business interruption — arising from your use of, or inability to use, our Site, calculators, or templates.

You agree to use our tools at your own risk. We are not responsible for any financial losses or decisions made on the basis of information provided by our calculators or templates.

6. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

7. Changes to These Terms

We reserve the right to update or replace these Terms at any time. The most current version will always be available on this page, indicated by the “Last Updated” date at the top. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

8. Contact Us

If you have any questions about these Terms, please get in touch:

• Email: info@zelvinto.com
• Address: Oxford, UK
• Or use our contact page.