Draft for legal review. This page is a working template and has not yet been reviewed by a qualified lawyer for BabaDigit’s operating jurisdiction. Do not treat it as final legal advice.

1. Who We Are

BabaDigit (“we”, “us”, “our”) operates babadigit.com, providing free and paid digital tools, calculators and downloadable business, finance, accounting and Excel templates.

2. Using the Site

By using BabaDigit you agree to use the tools and templates for lawful purposes, to provide accurate information where required, and not to misuse, copy, resell or redistribute site functionality outside the license granted with a purchased product.

3. Free Tools

Free calculators and resources are provided for general informational and educational use. See our Disclaimer for important limitations.

4. Digital Products

Paid templates and models are digital products delivered by download. Purchases are governed by our Digital Product License and Refund Policy, which form part of these Terms.

5. Accounts

If you create an account, you are responsible for keeping your login details secure and for activity under your account.

6. Intellectual Property

All BabaDigit branding, site content, tools and template designs remain the property of BabaDigit unless otherwise stated. Purchasing a template grants a license to use it as described in the Digital Product License — it does not transfer ownership of the underlying design.

7. Limitation of Liability

BabaDigit’s tools and templates are provided “as is” for general business and educational use. We are not liable for financial, business or other decisions made using our calculators or templates. See our Disclaimer for details.

8. Changes to These Terms

We may update these Terms as BabaDigit grows. Continued use of the site after changes means you accept the updated Terms.

9. Contact

Questions about these Terms can be sent through our Contact page.