Terms of Sale & License
Last updated: November 13, 2026
These terms apply when you buy a digital product from Love Digital Works ("we", "us") at lovedigitalworks.com. By completing a purchase you agree to them.
1. Products and delivery
Our products are downloadable digital templates (Word, PDF and Excel files delivered as a .zip). After successful payment you are taken to a private download page. Download links work for 60 days and up to 20 downloads. Please save your files. If you lose access, email support@lovedigitalworks.com.
2. Prices and payment
Prices are in U.S. dollars and are processed securely by Stripe. We never see or store your full card details. Applicable taxes may be added at checkout.
3. License
Each purchase grants a non-exclusive, non-transferable license for one organization (including its own employees and contractors) to edit and use the templates internally. You may adopt them as your organization's own policies and share the finished policies with staff, auditors, insurers, customers and advisors. You may not resell, sublicense, share, publish or distribute the templates (original or modified) as templates, or include them in any product, course or marketplace listing. Consultants and MSPs serving several clients need a multi-client license; contact us.
4. No professional advice
The templates are general informational resources. They are not legal, regulatory, insurance or professional advice, and using them does not make you compliant with any law, regulation, framework or standard, or certify any level of security. Have qualified professionals review your final documents. See our Disclaimer.
5. No affiliation
We are not affiliated with, endorsed by or approved by any insurance carrier, broker, regulator, standards body or software vendor mentioned on this site or in the templates. Product names are used for identification only.
6. Refunds
Digital sales are final. If a file is defective we will fix or replace it. See our Refund Policy.
7. Warranty disclaimer and limitation of liability
The templates are provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose. To the maximum extent permitted by law, we are not liable for any indirect, incidental or consequential damages, and our total liability for any claim is limited to the amount you paid for the product.
8. Changes
We may update these terms. The version in effect at the time of your purchase applies to that purchase.