PayoffSheet

Terms

Terms and refund policy

Last updated: 3 May 2026. These terms explain what PayoffSheet is, what is included, and how the refund guarantee works.

Product

PayoffSheet is a downloadable spreadsheet bundle designed to help customers organise debts, compare payoff approaches, and track payments manually.

Not financial advice

PayoffSheet is a general educational budgeting and organisation tool. It is not financial advice, regulated debt counselling, debt management, legal advice, tax advice, investment advice, credit repair, or a promise that you will become debt-free by a certain date.

If you are behind on essential bills, have received court papers, or cannot afford minimum payments, contact free UK debt support such as MoneyHelper, StepChange, National Debtline, or Citizens Advice before buying any tool.

30-day clarity guarantee

If PayoffSheet does not help you organise your debt picture into a clearer plan, email support@payoffsheet.com within 30 days of purchase and ask for a refund.

Please include the email address used at checkout or your Payhip order receipt so the order can be found. This guarantee is in addition to your statutory rights and does not limit rights you may have if a product is faulty, not as described, or does not do what it is supposed to do.

Digital delivery

Files are delivered digitally through Payhip after checkout. You are responsible for downloading and keeping a copy of the files. If a download link fails, contact support@payoffsheet.com with your order details.

Licence

Your purchase gives you a personal licence to use PayoffSheet for your own household or personal budgeting. You may not resell, redistribute, upload, share, or claim the workbook as your own product.

Compatibility

PayoffSheet is supplied as an Excel workbook and is designed to be compatible with Excel and Google Sheets. Spreadsheet software can change over time, so small display differences may happen between apps.

Results

Any dates, interest amounts, or savings shown by the workbook are estimates based on the information you enter. Results can change if balances, interest rates, fees, income, payments, or spending change.

Contact

For support, refunds, or product questions, email support@payoffsheet.com.