Terms of Sale.

Last updated November 11, 2026

These terms cover anything you buy or download from the Store on steve-shead.com. The seller is me, Steve Shead, Portland, Oregon, USA. You can reach me at steve@steve-shead.com.

What you're buying

Digital downloads: files such as PDFs and spreadsheets. Nothing is shipped. Each product page says what's included, the file format, and how many times and for how many days you can download it.

Prices, tax and payment

Prices are in US dollars. Sales tax or VAT is added at checkout where it applies, based on the country (and US state) you choose. You pay through PayPal, with a PayPal account or a card. Your order is complete once PayPal confirms the payment.

Getting your downloads

Once you've paid, you go straight to your downloads, and I email you a private link to them. The link works for the number of days and downloads shown for each product. Please keep it to yourself: anyone with the link can use it. If anything goes wrong, email me.

Refunds

Because downloads are delivered straight away and can't be returned, I don't give refunds once you've downloaded a file, except in these cases:

• A file is faulty, or isn't what the product page described, and I can't fix it or send you a working copy. You'll get a full refund.
• You haven't downloaded anything from the order yet. Ask within 14 days of buying, and you'll get a full refund.

To ask for a refund, reply to your receipt email, or email me with your order number. Refunds go back through PayPal to the way you paid. Once an order is refunded, its downloads stop working.

At checkout, you agree that your downloads start straight away. If you're in the European Union or the United Kingdom, that means your 14-day right to cancel ends once you download. It doesn't affect your other legal rights, for example if a file is faulty.

Using what you buy

Buying a product lets you use its files yourself, and within your own business or organization: print them, fill them in and adapt them to suit you. Please don't resell them, share them publicly, or give copies to other businesses. If you'd like a licence for clients or a wider team, email me.

Not professional advice

The guides and templates are practical tools based on my experience. They aren't legal, financial or tax advice. Use your own judgment, and ask a qualified professional before decisions that matter.

Liability

I make the files carefully, but they're provided as they are. As far as the law allows, my total liability for a purchase is limited to what you paid for it, and I'm not liable for indirect or consequential losses. Nothing in these terms takes away rights you have under consumer law that can't be excluded.

Governing law

These terms are governed by the laws of the State of Oregon, USA. If you're a consumer elsewhere, you keep any protections your local law gives you.

Changes

I may update these terms. The version shown here when you buy applies to that purchase.