Effective Date: 01/03/2013

Welcome to Premium Finance Tools LTD. These Terms and Conditions (“Terms”) govern your access to and use of our website (“Site”) and the products and services offered by Premium Finance Tools LTD (“Company”, “we”, “us”, or “our”). By accessing or using our Site and purchasing our file templates, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Site.

**1. Scope of Services**

Premium Finance Tools LTD offers file templates for finance and real estate purposes. These templates are designed to assist users in various financial and real estate-related activities, including budgeting, financial analysis, investment analysis, and property management.

**2. Intellectual Property Rights**

– All intellectual property rights in the file templates provided by Premium Finance Tools LTD, including but not limited to copyrights, trademarks, and patents, are owned by or licensed to Premium Finance Tools LTD.

– Users are granted a limited, non-exclusive, and non-transferable license to use the file templates for personal or business purposes, as specified in these Terms and as permitted by applicable law.

– Users may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the content on our Site or in the file templates without the prior written consent of Premium Finance Tools LTD.

**3. Use of File Templates**

– The file templates provided by Premium Finance Tools LTD are intended for general informational purposes only. They do not constitute legal, financial, or real estate advice, and users should consult with qualified professionals before making any decisions based on the information provided in the templates.

– Premium Finance Tools LTD makes no representations or warranties regarding the accuracy, completeness, or reliability of the information contained in the file templates. Users use the templates at their own risk.

**4. Payment and Pricing**

– Users may purchase file templates from Premium Finance Tools LTD through our Site. Prices for the templates are displayed on the Site and are subject to change without notice.

– Payment for the templates is due at the time of purchase. Premium Finance Tools LTD accepts various forms of payment, including credit cards, debit cards, and PayPal.

– All sales are final, and no refunds will be provided except as expressly provided in our Refund and Return Policy.

**5. Limitation of Liability**

– In no event shall Premium Finance Tools LTD, its directors, officers, employees, or agents be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of the file templates or our Site, whether based on warranty, contract, tort (including negligence), or any other legal theory.

– Premium Finance Tools LTD’s total liability to users for any damages arising out of or in connection with the use of the file templates or our Site shall not exceed the amount paid by the user for the templates.

**6. Indemnification**

– Users agree to indemnify, defend, and hold harmless Premium Finance Tools LTD, its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or in connection with the user’s use of the file templates or our Site, breach of these Terms, or violation of any applicable law or regulation.

**7. Governing Law and Dispute Resolution**

– These Terms and any disputes arising out of or in connection with them shall be governed by and construed in accordance with the laws of the EU.

– Any disputes, controversies, or claims arising out of or in connection with these Terms shall be resolved through arbitration administered by [insert arbitration organization] in accordance with its rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

**8. Changes to Terms**

– Premium Finance Tools LTD reserves the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Site. Users are encouraged to review these Terms periodically for updates.

**9. Contact Information**

– If you have any questions or concerns about these Terms or our services, please contact us at [info|at|premiumfinancetools.com].

By using our Site and purchasing our file templates, you acknowledge that you have read, understood, and agree to abide by these Terms and Conditions.