MultiverseOSPTerms of use
Last updated: October 16, 2026. These terms apply to purchases from MultiverseOSP LLC.
License
Your purchase gives you a personal license to use and copy the file for your own household. Please don't resell, share, or redistribute the files.
Informational only
Informational tool only. Not financial, tax, or legal advice. Results are estimates based on the numbers you enter. Our products are spreadsheets: not a loan, bank product, or advance, and not tax software. Consult a qualified professional for advice about your situation.
Refunds
If a file doesn’t work, we’ll fix it. If we can’t, you get a refund within 7 days. Because these are instant digital downloads, there are no refunds for change of mind. See our refund policy.
Liability
Products are provided as is. To the extent allowed by law, MultiverseOSP LLC is not liable for decisions made using the files.