Terms & Conditions
Last updated: June 2026
1. The service
Phinerds sells premium Excel-based financial models. The platform is operated by Phinova Ltd. By purchasing, you agree to these terms.
2. License & use
Purchased files are licensed for your own business or personal use. You may not resell, redistribute or publicly share the files or their formulas.
3. Payment & delivery
Payments are processed securely by card via Stripe. After a confirmed payment, your file is delivered digitally through your account.
4. Disclaimer & liability
The models are analytical tools and do not constitute professional advice (see the Disclaimer). Phinova Ltd is not liable for decisions made based on their use.