Terms and Conditions for SheetShark Digital Products

Version: 1.1 — 12 July 2026

1. Seller and Scope

These Terms and Conditions (“Terms”) apply to all offers, orders, purchases, licences and supplies of digital products made through SheetShark.

The seller is Creative Design and Business V.O.F., operating the SheetShark brand under CDB Creative Design and Business and cdb-solutions, with its registered office at Bosstraat 90a, 6071 PZ Swalmen, The Netherlands, KVK number 95234853 and VAT identification number NL867052247B01 (“SheetShark”, “we”, “us” or “our”).

These Terms apply to both consumers and business customers. Provisions that specifically refer to consumers apply only to natural persons acting outside their trade, business or profession. Mandatory consumer rights cannot be excluded or restricted by these Terms.

Any deviation from these Terms is valid only if confirmed by us in writing. A business customer's own purchasing or general terms are rejected unless we expressly accept them in writing.

2. Definitions

• Consumer: a natural person acting mainly outside their trade, business or profession.
• Business Customer: a person or legal entity acting in the course of a trade, business or profession.
• Digital Product: a Microsoft Excel workbook, Google Sheets template, spreadsheet, list, tracker, calculator, dashboard, documentation, update or related digital content supplied without a tangible medium, whether by file download, copy-access link, customer account or other electronic access.
• Product Page: the page or checkout information describing a Digital Product, including whether it is intended for Microsoft Excel, Google Sheets or both, its delivery format, functions, compatibility, licence type, price and included support.
• Licence: the limited right to use a Digital Product under Section 9.
• Written: email or another durable electronic or physical medium that can be stored and reproduced.

3. Product Information and Compatibility

We take reasonable care to describe each Digital Product accurately. The Product Page forms part of the contract and should be reviewed before purchase. Screenshots, demonstrations and sample data are illustrative unless expressly stated otherwise.

The Product Page identifies whether a product is designed for Microsoft Excel, Google Sheets or both. The customer is responsible for checking the stated platform, file or access format, software version, operating system, browser, language, regional settings, macro or script requirements, add-ins and other compatibility information before purchase. Unless the Product Page expressly states otherwise:

• an Excel product does not include a Microsoft Excel or Microsoft 365 licence;
• a Google Sheets product may require a compatible browser, internet connection and Google account;
• compatibility with platforms or applications not expressly listed on the Product Page is not guaranteed;
• features may differ between Microsoft Excel and Google Sheets, and conversion between platforms may alter formulas, formatting, charts, scripts, macros, data validation or other functionality;
• some functions may behave differently because of software versions, regional formula separators, date formats, security settings or disabled macros or scripts;
• the customer is responsible for maintaining suitable hardware, software, accounts, internet access and backups; and
• sample content is fictitious and must be replaced or verified before operational use.

If a Digital Product contains macros, scripts, Apps Script, Power Query connections, external links or other functionality requiring additional permissions, this will be stated on the Product Page where relevant.

4. Orders and Formation of the Contract

Website listings and product descriptions are invitations to place an order and are not binding offers. By completing checkout, the customer submits a binding offer to purchase the selected Digital Product under these Terms.

An automatically generated acknowledgement confirms receipt of the order but does not necessarily constitute acceptance. The contract is concluded when we send an order confirmation, accept payment and provide download, copy or account access, whichever first clearly confirms our acceptance.

We may refuse or cancel an order before supply where there is an obvious pricing or description error, suspected fraud, sanctions or export-control concerns, payment failure, unlawful intended use or another legitimate reason. If payment has already been received and no Digital Product is supplied, we will refund the affected amount.

The customer must provide accurate billing, contact and account information and ensure that order and download emails can be received.

5. Prices, Taxes and Payment

The price and currency are shown before the order is submitted. Consumer prices include VAT where required to be included. Any separately chargeable taxes or fees will be disclosed before payment where legally required.

The customer is responsible for taxes, duties or charges that are legally imposed on the customer and not collected by us at checkout. We may calculate, collect and remit VAT, sales tax or similar transaction taxes where required by applicable law.

Payment must be made using a payment method offered at checkout. External payment providers process payments under their own terms. A payment is complete only when it has been successfully authorised and received or irrevocably confirmed.

We may suspend delivery or access if payment is reversed, charged back, disputed without valid grounds or otherwise not received. This does not restrict a customer's right to dispute an unauthorised or incorrect transaction.

6. Digital Delivery

Digital Products are supplied electronically by file download, Google Sheets copy-access link, customer account, email or another method stated on the Product Page or at checkout. No physical item will be shipped.

For an Excel product, delivery normally occurs when the file or download link is made available. For a Google Sheets product, delivery normally occurs when the template-copy or access link is made available. The customer may be required to sign in to a third-party account and create a private copy before using the product.

The customer should download files or create the permitted template copy promptly and keep a secure backup. Unless the Product Page or order confirmation states a specific access period, we do not guarantee permanent hosting, permanent availability of the original template link or unlimited re-download or re-copy access.

If access is not provided within a reasonable time after successful payment, the customer should check spam folders and account details and then contact us with the order number. We will investigate and, where appropriate, restore access, provide an alternative delivery method or issue a refund.

7. Consumer Right of Withdrawal for Digital Content

A consumer who purchases at a distance may normally have a statutory withdrawal period. For Digital Products supplied without a tangible medium, the right of withdrawal may end once supply begins, but only where the consumer has:

1. given prior express consent for supply to begin during the withdrawal period;
2. acknowledged that the right of withdrawal is lost when supply begins; and
3. received confirmation of that consent and acknowledgement on a durable medium.

Where these legal conditions are satisfied and the download, copying process or access begins, the consumer can no longer withdraw merely because they changed their mind. If the required consent or acknowledgement was not validly obtained, any statutory withdrawal right remains available according to applicable law.

This Section does not affect rights relating to a Digital Product that is defective, not supplied, materially different from its description or otherwise non-conforming.

Business Customers do not have a statutory withdrawal right unless we expressly agree otherwise in writing.

8. Refunds, Defects and Non-Conforming Digital Products

Because Digital Products can be copied after access, purchases are generally final once download, copying or access has begun, except where a refund or remedy is required by law or expressly offered by us.

A change of mind, lack of required software, failure to review clearly disclosed compatibility requirements, insufficient spreadsheet knowledge or inability to achieve a particular business result does not by itself create a right to a refund.

If a Digital Product is not supplied, cannot be opened despite meeting the stated requirements, contains a material technical defect, lacks a feature expressly promised on the Product Page or is otherwise non-conforming, contact us without undue delay and provide:

• the order number;
• the product name and file version;
• a clear description of the problem;
• the software version and operating system used; and
• screenshots or error messages where reasonably available.

Where a complaint is valid, we will provide the remedy required by applicable law, which may include corrected access, repair, replacement, an update, a proportionate price reduction or termination and refund. We may first request a reasonable opportunity to reproduce and correct the issue.

Refunds for duplicate purchases, accidental orders or exceptional hardship may be granted at our discretion where not legally required. A discretionary refund does not establish an ongoing entitlement.

9. Licence Grant

A purchase transfers no ownership of intellectual property. Subject to full payment and compliance with these Terms, we grant the customer a limited, non-exclusive, non-transferable and non-sublicensable licence to use the purchased Digital Product for the scope stated on the Product Page.

If the Product Page does not specify another licence, the default licence is a Single-User Licence. Under that licence:

• one named individual may use the Digital Product on devices controlled by that individual;
• the individual may use it for personal purposes and for internal activities of their own business or employer;
• the individual may enter their own data, adapt formulas, change formatting and create internal working copies;
• the individual may share exported reports, printed results or completed outputs with clients or colleagues where the underlying reusable template is not distributed; and
• additional users, shared drives, departments, subsidiaries, clients or resale activities require a team, enterprise, client-use or reseller licence where offered.

A separate licence is required for each user unless the Product Page expressly grants broader rights. Licence restrictions continue to apply to modified, translated, converted or rebranded versions of the Digital Product.

10. Prohibited Uses

Unless we have given prior written permission or a separate licence expressly allows it, the customer may not:

• resell, rent, sublicense, publish, upload, distribute, gift or otherwise make the Digital Product available to another person;
• share the source workbook or reusable template through a team drive, membership site, course, marketplace, file-sharing platform or client portal;
• sell or distribute a modified, translated, reformatted, password-protected or rebranded version of the Digital Product;
• extract and commercialise substantial parts of the structure, formulas, database, documentation or design;
• remove copyright, licence, attribution, product-key or rights-management notices;
• use the Digital Product to create a directly competing template or product for sale or distribution;
• circumvent access controls or assist another person in doing so;
• use the Digital Product unlawfully, fraudulently, to infringe third-party rights or to process data without a lawful basis; or
• represent that SheetShark, CDB Creative Design and Business, Microsoft or another third party endorses the customer's business or output.

Nothing in these Terms restricts rights that cannot legally be restricted, including mandatory rights to make a backup copy or carry out acts expressly permitted by applicable law.

11. Customer Data and Responsible Use

Digital Products are supplied without the customer uploading operational spreadsheet data to us unless a separate support or customisation service is agreed. The customer remains responsible for all data entered into a spreadsheet, including its accuracy, legality, confidentiality, security and backup.

Customers must not send us personal, financial, medical, employment, trade-secret or other sensitive data unless it is strictly necessary and we have agreed on an appropriate secure method and processing purpose.

The customer is responsible for checking formulas, assumptions, inputs, outputs, tax rates, exchange rates, legal requirements and business decisions before relying on a spreadsheet. Important decisions should be reviewed by a qualified professional and supported by independent checks.

12. Updates, Changes and Support

The Product Page states any included support, update period or version entitlement. Unless expressly promised, a one-time purchase does not include lifetime support, future features, customisation, data entry, software training or compatibility work for future third-party software versions.

We may release updates to correct defects, improve security, maintain compatibility or change functionality. Where applicable law requires an update necessary to keep a consumer Digital Product in conformity, we will provide the update and relevant information for the legally required period.

A customer must install relevant updates within a reasonable time after being informed. We are not responsible for a lack of conformity caused solely by failure to install a properly supplied update where the customer was informed of the update, the consequences of not installing it and appropriate installation instructions.

13. Intellectual Property

All intellectual-property rights in SheetShark, the website and Digital Products remain with Creative Design and Business V.O.F. or its licensors. The licence in Section 9 is the only right granted to the customer.

Microsoft, Microsoft Excel and Microsoft 365 are trademarks of the Microsoft group of companies. Google and Google Sheets are trademarks of Google LLC. SheetShark is independent and is not affiliated with, endorsed by or sponsored by Microsoft or Google. A customer must obtain and maintain any required third-party software, platform or account rights separately.

If a customer provides feedback, suggestions or error reports, we may use them to improve our products without payment or restriction, provided that we do not disclose the customer's confidential information.

14. No Professional Advice or Guaranteed Results

Digital Products are productivity tools and general informational resources. Unless a Product Page expressly states otherwise, they do not constitute accounting, tax, legal, financial, investment, medical, human-resources, engineering, compliance or other regulated professional advice.

Templates and calculations depend on customer inputs, assumptions, software behaviour and the customer's implementation. We do not guarantee profits, savings, compliance, tax outcomes, business growth, error-free decisions or any other specific result. Customers remain responsible for obtaining professional advice where appropriate.

15. Warranties and Statutory Conformity

We warrant that a Digital Product will materially correspond to its Product Page and will be supplied with the functionality, compatibility and instructions that a customer may reasonably expect based on the contract. Mandatory statutory conformity and consumer-guarantee rights remain fully applicable.

To the maximum extent permitted by law, and particularly for Business Customers, no additional warranty is given that a Digital Product will be uninterrupted, universally compatible, suitable for an undisclosed purpose or free from every minor error. Any disclaimer in these Terms is subject to the mandatory rights in Section 8 and this Section 15.

16. Liability

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited, including liability for fraud, intentional misconduct, death or personal injury caused by negligence, or mandatory consumer remedies.

Consumers retain all mandatory statutory rights. Any limitation in this Section applies only to the extent permitted by the law applicable to the consumer.

For Business Customers, our liability is limited to direct loss that is the reasonably foreseeable and direct result of our proven breach. To the maximum extent permitted by law, we are not liable for indirect or consequential loss, loss of profit, revenue, opportunity, anticipated savings, goodwill, reputation, business interruption or loss or corruption of data.

To the maximum extent permitted by law, our total aggregate liability to a Business Customer arising from a Digital Product or related order will not exceed the amount paid for the affected Digital Product. This cap does not apply where a cap is legally prohibited.

We are not responsible for loss caused by inaccurate customer data, unauthorised modification, failure to maintain backups, use contrary to documentation, unsupported software, disabled functions, malware from a source not controlled by us or third-party software and services.

17. Suspension and Termination of Licence

We may suspend access or terminate a licence if the customer materially breaches these Terms, infringes our intellectual-property rights, distributes a Digital Product without permission, commits fraud or fails to pay. Where the breach can reasonably be corrected, we may first give the customer a reasonable opportunity to remedy it.

On termination for breach, the customer must stop using and distributing the affected Digital Product and delete unauthorised copies. Termination does not affect accrued rights, payment obligations or provisions intended to continue, including intellectual property, restrictions, liability and governing law.

18. Force Majeure and Third-Party Services

We are not liable for delay or failure caused by events outside our reasonable control, including major internet or hosting outages, cyberattacks, power failures, payment-provider disruption, governmental action, sanctions, natural disasters, labour disputes, war, epidemics or failure of essential third-party platforms.

We will take reasonable steps to reduce the effect of the event and resume performance. If supply becomes permanently impossible or is delayed beyond a reasonable period, either party may terminate the unperformed part of the contract and any payment for an unsupplied Digital Product will be refunded.

19. Privacy

We process personal data as described in our Privacy Policy. The customer must review that policy before purchase. Where a customer uses a Digital Product to process personal data, the customer is independently responsible for complying with applicable privacy, security, employment and record-keeping laws.

20. Complaints

Complaints may be submitted to info@cdb-solutions.com. Please include the order number and sufficient information for us to investigate. We aim to acknowledge the complaint promptly and provide a substantive response within 14 days or explain when a response can reasonably be expected.

We are not affiliated with a consumer arbitration board and, unless mandatory law requires otherwise, are neither obliged nor willing to participate in an out-of-court consumer dispute resolution procedure.

21. Governing Law and Courts

Dutch law governs these Terms and all contracts with us, excluding the United Nations Convention on Contracts for the International Sale of Goods, to the extent legally permitted.

A consumer retains the protection of mandatory laws of the country or state of their habitual residence where those protections cannot be contractually excluded. Nothing in this Section deprives a consumer of a right to bring proceedings in a court that has mandatory jurisdiction.

Disputes with Business Customers will, to the extent legally permitted, be submitted exclusively to the competent court in the district of Limburg, The Netherlands.

22. Changes to These Terms

The version accepted at the time of purchase governs that order. We may update these Terms for future orders by publishing a new version. Changes do not retroactively alter an existing one-time purchase unless required by law or agreed with the customer.

23. Severability, Waiver and Assignment

If any provision is invalid, unlawful or unenforceable, the remaining provisions remain in effect. The invalid provision will be interpreted or replaced, to the extent legally possible, by a valid provision that most closely reflects its purpose.

A failure to enforce a right is not a waiver. The customer may not transfer the contract or licence without our prior written consent, except where mandatory law permits. We may transfer the contract as part of a genuine business reorganisation or sale, provided that consumer rights are not reduced.

24. Contact Details

• Creative Design and Business V.O.F.
• Bosstraat 90a, 6071 PZ Swalmen, The Netherlands
• KVK number: 95234853
• VAT identification number: NL867052247B01
• Email: info@cdb-solutions.com
• Telephone: +31 (0)475 219733