Terms of sale

1. Seller

Studio Lumen, Goliathgasse 37, 9000 St. Gallen, Switzerland, studio.lumenai@gmail.com (see the legal notice).

2. Products

Digital planners and spreadsheets (PDF, XLSX) described on each product page. Nothing physical is shipped.

3. Prices and payment

Prices are shown on each product page. Payment is processed by Gumroad, Inc., acting as merchant of record, which collects any VAT or sales tax that applies in your country. Checkout may show your local currency. Promotions state their end date.

4. Delivery

The download link is emailed right after payment and stays available in your Gumroad library.

5. 14-day money-back guarantee

If a product isn't right for you, write to us within 14 days of purchase for a full refund, no questions asked. This guarantee is in addition to your statutory rights.

6. Licence

You may use, print and fill in the files as often as you like for personal use. Reselling, publicly sharing or redistributing the files, even modified, is not allowed.

7. Liability

Our tools help you get organised. They are not personalised financial, legal, tax or medical advice, nor a treatment.

8. Governing law

Swiss law, subject to the mandatory consumer protection rules of your country of residence. If you have a question or a dispute, please write to us first: we always look for an amicable solution.