Terms of Use

By using the Google Sheet or Excel spreadsheets, you acknowledge and agree to the following:

• This spreadsheet is provided "as-is" for informational and/or organizational purposes only.

• I make no guarantees about the accuracy, completeness, or reliability of the data, formulas, or results.

• I am not responsible for any errors, financial loss, damages, or decisions made based on the use of this sheet.

• You are solely responsible for verifying the accuracy and applicability of any information it contains.

• Use at your own risk.

By opening or using the spreadsheet, you agree to these terms and release me from any and all liability.