Terms

Terms for the site, the calculator and the spreadsheets

These terms cover this website, the free online calculator and the Spool & Margin spreadsheet templates. By using them you agree to what is written here.

Last updated: 11 November 2026

Who is who

• Spool & Margin ("we") makes the calculator, the guides and the spreadsheet templates, and runs this website.
• Gumroad (Gumroad, Inc.) sells and delivers the spreadsheets. Gumroad is the seller and merchant of record: it takes your payment, charges and remits any sales tax or VAT, and sends your receipt. Your purchase is also subject to Gumroad's terms of service.

This website does not take orders or payments.

Estimates, not advice

The calculator and the spreadsheets do arithmetic on the numbers you enter. Every result is an estimate that is only as good as those numbers. Printer life, failure rate, labor rate, electricity price and marketplace fees are your assumptions. The examples and default values are placeholders, not recommendations.

Nothing on this site or in the spreadsheets is financial, tax, accounting or legal advice. Marketplace fees described in the guides are summaries with a date; the marketplace's own pages are the authority. You are responsible for your prices and your business decisions. For advice about your own situation, ask a qualified professional.

Licence for the spreadsheet templates

The templates are licensed to you, not sold. When you buy the paid template, or download the free one, we give you a non-exclusive, non-transferable licence that does not expire.

You may:

• use the files for yourself and for your own business, on any number of your own devices;
• change them, copy them for backup, and make as many working copies as your business needs;
• let the people who work in your business use them for that business;
• share what the files produce, such as quotes, prices and reports, with your customers and advisers.

You may not:

• resell, give away, publish or otherwise redistribute the files, changed or unchanged;
• share your download link or the files with people outside your business;
• sell or distribute a template, calculator or other product built from them;
• remove the Spool & Margin name from the files and present them as your own work.

The same rules apply to the free template: it is free to use, not free to redistribute. If you want others to have it, send them the link to its Gumroad page. All rights we have not granted here stay with us.

Refunds: 30 days

If the paid template is not right for you, ask for a refund within 30 days of your purchase and you will get one.

• Write to mis.melody29@gmail.com from the email address you used at checkout, or reply to your Gumroad receipt.
• The refund is processed through Gumroad and goes back to the payment method you used. How quickly it appears depends on your bank or card provider.
• After a refund, your licence to the files ends. Please delete your copies.

This policy is in addition to, and does not limit, anything Gumroad's terms or the consumer law of your country give you.

Using this website

The online calculator is free to use, for personal or business purposes. The text, design and code of the site belong to Spool & Margin. You may link to any page and quote short passages with a link back. Please do not copy the site or the calculator and republish them as your own.

Marketplace and product names mentioned on the site belong to their owners. We are not affiliated with or endorsed by any of them.

No warranty, limited liability

We test the formulas carefully (the About page explains how), but tested does not mean free of errors. The website, the calculator and the templates are provided "as is", without a promise that they are error-free, always available, or fit for a particular purpose.

To the extent the law allows, we are not liable for lost profits, lost sales, pricing mistakes or other indirect losses that result from using them, and our total liability for a paid template is limited to the amount you paid for it. Nothing in these terms removes rights that the law of your country does not allow to be removed, including your rights as a consumer.

The basics

• The contract of sale for a spreadsheet is between you and Gumroad, under Gumroad's terms. These terms cover the licence for the files and your use of this site.
• If one part of these terms turns out to be unenforceable, the rest still applies.
• We may update these terms. The date at the top shows the latest version. For a template you already have, the licence terms in force when you obtained it continue to apply.
• How we handle data is described on the Privacy page.

Contact

Questions about these terms, a refund, or a result that looks wrong: mis.melody29@gmail.com.