Terms of sale

Last updated 1 August 2026

Who you are buying from

Pensum is a trading name of Vostok Business Consultancy - F.Z.E, a free zone establishment registered in the United Arab Emirates. Contact: [email protected].

Payment processing and checkout are handled by Paddle, acting as merchant of record. Your payment receipt will come from Paddle, and Paddle's own buyer terms also apply to the transaction.

What you are buying

Digital products: Microsoft Excel workbook templates, delivered by download link after payment. No physical goods are shipped. You need a working copy of Microsoft Excel (2016 or later on Windows is the tested baseline) to use them; a copy of Excel is not included.

Licence

Each purchase grants the licence described on the licence page: use within one business, no resale or redistribution.

Refunds

See the refund policy.

What the templates are, and are not

The templates are commercial record-keeping and calculation tools. They are not legal, accounting or professional advice, and outputs depend entirely on the figures, dates and contract terms you enter. Contractual notices, payment applications and claims remain your responsibility, including checking them against your own contract before you rely on or serve them. A template does not replace advice from a solicitor, accountant or your own professional adviser on a specific matter.

Accuracy and currency of content

Every effort is made to keep formulas, statutory rates and reference timescales (for example, the Late Payment of Commercial Debts Act rate and fixed compensation, and the notice periods built into the Payment Timeline and Notice templates) correct and up to date at the time of publication. Legislation, standard forms and market practice change, and a template purchased on one date is not automatically updated when the law changes after that date. Before you rely on any figure, date or notice a template produces, check it against your own contract and the legislation or standard form currently in force. We do not warrant that any statutory rate, timescale or clause reflects the law at the date you use it.

Liability

To the extent permitted by law, our total liability to you for any claim arising from a purchase is limited to the amount you paid for that product. This applies to claims arising from an error, omission or out-of-date figure in a template, as much as to any other claim. We are not liable for indirect or consequential loss, including loss of profit, loss of a contractual right, or loss arising from figures, dates or notices you entered, checked or served using a template. Nothing in these terms excludes liability that cannot be excluded by law, including liability for death or personal injury caused by negligence, or for fraud.

Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction over any dispute. This does not remove any right you have to bring a claim in the courts of the country where you live.