Last updated: November 3, 2026
These terms apply when you buy Paycheck to Debt-Free (the "Sheet") from N&N Solutions BV, 't Hof 64, 8730 Beernem, Belgium ("we").
The Sheet is a Google Sheets template. After payment you are taken to a page with a link to make your own copy in your Google Drive, a one-page guide and a setup video, and you receive a payment receipt by email. If you lose the page, email us and we send the link again. You need a free Google account. It works in Google Sheets only, not in Excel or Apple Numbers. The price is shown on the website and at checkout, including any applicable tax.
You may make a copy and use it for your own household. You may not share the copy link, resell or publish the Sheet, in whole or in part.
14-day money-back guarantee. If the Sheet is not for you, email us within 14 days of your purchase and we will refund you in full. No questions asked.
The Sheet is an educational planning tool. It is not financial, tax, credit or legal advice and does not take your personal situation into account. Results are estimates based on the numbers you enter and simple rules (for example, a card minimum of interest plus 1% of the balance); your lender's numbers, fees and interest can differ. Check important decisions with your lender or a licensed professional.
We are not liable for any loss resulting from the use or misuse of the Sheet, to the extent permitted by law. Nothing in these terms limits your rights as a consumer under the law of your country.
These terms are governed by Belgian law. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live.
N&N Solutions BV, 't Hof 64, 8730 Beernem, Belgium
Email: neshproltd@gmail.com