Legal

Terms and disclaimer

Last updated September 27, 2026

Educational use only

The templates and calculators from LOTV Financial are educational tools that organize and calculate numbers you provide. They are not financial, investment, tax, legal, lending or real estate advice, and they do not recommend any product, investment or course of action. Results depend entirely on your inputs and assumptions and may not reflect real-world outcomes. Consult a qualified professional before making financial decisions.

No warranty

We work hard to make the math correct, but the templates and calculators are provided "as is" without warranties of any kind. To the fullest extent allowed by law, Lion of the Valley Investments Ltd. Co. is not liable for decisions made or losses incurred from using them.

License

When you buy a template, you get a personal, non-transferable license to use it for your own household or business. Please do not resell, share or redistribute the files or the Google Sheets copy link. Purchases, refunds and delivery follow Etsy's policies and our Etsy shop policies.

Trademarks

Microsoft Excel is a trademark of Microsoft Corporation. Google Sheets is a trademark of Google LLC. LOTV Financial is not affiliated with either company.

Contact

Message LOTV Financial through our Etsy shop.