Terms of Service

Effective Date: August 24, 2026

These Terms of Service ("Terms") govern your use of TogoMarketing.com and the purchase and use of our digital products. By accessing our website or purchasing any product, you agree to these Terms.

License

When you purchase a digital product from TogoMarketing.com, you receive a personal use license. This means:

• You may use the template for your own personal or business use
• You may customize and modify the template for your own use
• You may use the template for client work if you are a service provider (e.g., using a calculator for a client's project)
• You may not resell, redistribute, sublicense, or share the template files
• You may not offer the template as a free download on any platform
• You may not use the templates to create competing products

Refund Policy

We offer a 30-day satisfaction guarantee on all digital products. If a file is corrupted, doesn't work as described, or you are unsatisfied for any reason:

• Contact us at togomarketingteam@gmail.com within 30 days of purchase
• Include your order number and a brief description of the issue
• We will process your refund within 5 business days

Refunds are processed back to your original payment method. Since our products are digital and cannot be "returned," we rely on good faith — but we want you to be happy with your purchase.

Disclaimer

Our templates are tools, not professional advice. The calculators, estimators, and spreadsheets we provide are designed to assist you in your business activities, but they are not a substitute for professional advice.

Specifically:

• Our tools are not tax advice — consult a licensed tax professional for tax matters
• Our tools are not legal advice — consult an attorney for legal questions
• Our tools are not financial advice — consult a financial advisor for investment decisions
• Formulas and calculations are provided as-is — always verify results against your specific circumstances

TogoMarketing.com is not liable for any financial losses, business decisions, or outcomes resulting from the use of our products.

Payment

Payments are processed by third-party payment processors:

• Stripe — for credit/debit card payments
• PayPal — for PayPal account and card payments
• — for select transactions (acts as Merchant of Record)

We do not store, process, or transmit your payment card information. All payment data is handled securely by the respective processors under their own compliance programs (PCI-DSS).

Intellectual Property

All templates, spreadsheets, calculators, designs, and content available on TogoMarketing.com are the intellectual property of TogoMarketing.com. All rights are reserved. The purchase of a product grants you a license to use it as described above — it does not transfer ownership of the intellectual property.

Changes to Terms

We may update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of our products or website after changes constitutes acceptance of the new Terms.

Limitation of Liability

To the maximum extent permitted by law, TogoMarketing.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of our products or website.

Contact Us

If you have any questions about these Terms, contact us:

• Email: togomarketingteam@gmail.com
• General inquiries: Contact page