We sell digital tools and templates designed to help you think more clearly about money, time, and energy, including planners, spreadsheets, and guides. All products are digital. Nothing physical is shipped.

After checkout, you’ll receive: • An on-screen download, and/or • An email with a link to access your files If you don’t see the email, please check your spam or promotions folder.

First, check: • Spam / junk folder • The email address used at checkout If you’re still stuck, contact us and we’ll help you access your files.

Most products are provided as: • PDFs • Google Sheets or Excel files • Occasionally ZIP folders containing multiple files Details are listed on each product page.

Basic tools like: • A PDF reader • Excel or Google Sheets are usually sufficient. Any specific requirements are listed on the product page.

No. Purchases are for personal use only. You’re welcome to adapt the files for yourself, but you may not share, resell, or redistribute them. If you’re interested in using them commercially or with clients, please get in touch.

No. Our tools are designed to support reflection, planning, and awareness. They are not financial, legal, or professional advice, and should be used as a personal aid rather than a substitute for professional guidance.

You can reach us at: Email: pete@thebalancingact.club Website: www.thebalancingact.club(http://www.thebalancingact.club/) We aim to respond within a reasonable timeframe.