Terms

Last updated October 26, 2026.

Templates

Our templates are digital files for personal use. You may use them for your own household or business, and you may not resell, share or publish the files.

Buying

Purchases are made on Etsy, and Etsy's terms apply to the order, payment and delivery. Because these are digital files, we cannot offer returns, but if a template does not work as described, write to [email protected] and we will fix it or make it right.

No financial advice

The templates help you organise your own numbers. They are not financial, tax or legal advice.

Who we are

Fernsheet is operated by Thriveni Aparna Netheti, Nova Scotia, Canada.