Terms & Conditions

Last updated: August 29, 2026

Welcome to Uncle Greenback.

These Terms & Conditions (“Terms”) govern your access to and use of the Uncle Greenback website, online store, digital products, downloads, tools, templates, spreadsheets, guides, and related services.

By accessing our website, placing an order, or purchasing or downloading one of our products, you agree to these Terms.

If you do not agree to these Terms, please do not use our website or purchase our products.

1. About Us

This website and store are operated by:

Business Name: Uncle Greenback
Email: unclegreenback@gmail.com
Website: greenbacktools.com

Throughout these Terms, “Uncle Greenback,” “we,” “us,” and “our” refer to the business identified above.

“You” and “your” refer to the person accessing our website, purchasing our products, or using our services.

2. Our Products

Uncle Greenback provides digital educational products designed to help consumers better understand, organize, review, and manage aspects of their household finances.

Products may include:

• Spreadsheets and calculators
• Household money-audit tools
• Negotiation scripts
• Financial checklists
• Templates and worksheets
• Guides and educational materials
• Digital downloads
• Other money-management resources

Unless expressly stated otherwise on a product page, our products are delivered digitally and no physical product will be shipped.

Product features, formats, compatibility requirements, and included materials will be described on the applicable product page.

3. Educational Purposes Only

All Uncle Greenback content and products are provided for general educational and informational purposes only.

Nothing provided through our website or products constitutes individualized:

Financial advice, investment advice, tax advice, legal advice, accounting advice, credit advice, insurance advice, or other regulated professional advice.

Our products are designed to help you organize information, identify questions worth investigating, and make more informed decisions.

They are not a substitute for advice from an appropriately qualified professional who understands your individual circumstances.

You remain responsible for your own financial decisions.

4. No Guaranteed Results

We do not guarantee that purchasing or using an Uncle Greenback product will result in any particular amount of savings, income, financial improvement, debt reduction, refund, discount, or other financial outcome.

Results will vary according to factors including your household expenses, providers, location, financial circumstances, eligibility, negotiation outcomes, available offers, and the actions you choose to take.

Where a product identifies potential savings, these figures are estimates or opportunities for further investigation rather than guaranteed savings.

For example, The $1,000 Money Leak Detector™ is designed around the goal of searching for potential annual savings opportunities.

The $1,000 figure is a target or challenge—not a promise or guarantee that you will save $1,000.

You should independently verify prices, rates, terms, calculations, and potential savings before making financial decisions.

5. Negotiation Scripts

Products such as the Negotiation Script Vault™ provide example language intended to help customers prepare for conversations with service providers and other businesses.

We cannot guarantee that any company will:

• Reduce your bill
• Offer a discount
• Waive a fee
• Provide a refund
• Match a competitor
• Change your interest rate
• Modify your contract
• Accept a cancellation
• Provide any particular financial outcome

Scripts should be adapted to accurately reflect your circumstances.

You must not make false, misleading, fraudulent, or deceptive statements when using our scripts.

6. Accuracy of Calculators and Spreadsheets

We make reasonable efforts to ensure our digital tools function as intended.

However, spreadsheets, formulas, calculators, estimates, scoring systems, and other automated tools may contain errors or may produce results that are inappropriate for a particular user's circumstances.

You are responsible for reviewing important calculations and information before relying on them.

Where a decision could have significant financial, tax, legal, credit, insurance, or investment consequences, consider obtaining appropriate professional advice.

7. Prices

All prices are displayed in the currency indicated on the website at the time of purchase.

We reserve the right to change prices, promotions, discounts, bundles, and product availability at any time.

A later price reduction or promotion does not automatically entitle previous customers to a refund of the difference.

Any applicable taxes will be displayed or handled as required during the purchasing process.

8. Payment

Payment must be made using one of the payment methods available during checkout.

By submitting payment information, you confirm that you are authorized to use the selected payment method.

Orders may be subject to payment authorization, fraud screening, or other verification.

We reserve the right to refuse or cancel an order where reasonably necessary, including where we believe:

• Payment has not been properly authorized;
• An order appears fraudulent;
• A pricing or technical error has occurred; or
• The transaction would violate applicable law.

Where we cancel an order after receiving payment and you have not received the purchased digital content, the appropriate payment will be refunded.

9. Digital Delivery

Digital products are generally made available shortly after successful payment.

You may receive access through:

• An order confirmation page;
• A download link;
• Email;
• A customer account; or
• Another digital delivery method identified during checkout.

You are responsible for providing an accurate email address when ordering.

If you do not receive your product, please check your spam, junk, and promotions folders before contacting support.

If you experience a genuine access problem, contact us and include your order number.

10. Software Compatibility

Some Uncle Greenback products may require third-party software.

For example, certain spreadsheets may be designed for use with Google Sheets and/or Microsoft Excel.

Compatibility requirements will be stated where appropriate.

Third-party services and software are independently operated, and we cannot guarantee that their functionality, pricing, availability, or compatibility will remain unchanged indefinitely.

11. Refunds and Cancellation Rights

Because many of our products are digital products supplied shortly after purchase, our refund and cancellation rules are explained in our Digital Delivery & Refund Policy.

Digital purchases are generally non-refundable after digital content has been supplied or accessed, except where applicable law gives you a right to a refund, repair, replacement, cancellation, price reduction, or other remedy.

Nothing in these Terms removes consumer rights that cannot lawfully be excluded.

UK Customers

Where UK cancellation rights apply to digital content, immediate supply during the normal 14-day cancellation period requires the customer's prior express consent to begin supply and acknowledgement that the right to cancel will be lost once supply begins.

We will obtain such consent where legally required.

This does not affect statutory rights relating to digital content that is faulty, not as described, or otherwise fails to meet applicable legal requirements.

12. Personal-Use License

Unless a product specifically states otherwise, purchasing an Uncle Greenback digital product grants you a limited, non-exclusive, non-transferable, revocable license for your own personal use.

You may download and use the product for your own household.

Your purchase does not transfer ownership of our intellectual property to you.

13. What You May Not Do

Unless we provide prior written permission, you may not:

• Resell our digital products;
• Redistribute or publicly share our products;
• Give purchased files to other people;
• Upload our products to file-sharing websites;
• Reproduce our products for commercial distribution;
• Sell modified versions of our products;
• Remove our copyright or branding and claim the product as your own;
• Use our products to create competing commercial products;
• sublicense access to our products; or
• Make our paid materials publicly available.

Purchasing one copy does not give you redistribution or resale rights.

14. Intellectual Property

All intellectual property rights relating to Uncle Greenback and our original products remain owned by us or our applicable licensors.

This includes, where applicable:

• Uncle Greenback branding
• Logos and artwork
• Product names
• Written content
• Guides
• Worksheets
• Spreadsheet designs
• Original formulas and systems
• Graphics
• Videos
• Downloads
• Templates
• Website content

Nothing in these Terms grants you ownership of our intellectual property.

Any trademarks belonging to third parties remain the property of their respective owners.

15. Google Sheets, Microsoft Excel and Third Parties

References to third-party companies, products, or platforms are provided to explain compatibility or functionality where relevant.

Uncle Greenback is an independent brand unless expressly stated otherwise.

We are not affiliated with, endorsed by, or sponsored by Google or Microsoft merely because a product is compatible with their software.

Google Sheets and Microsoft Excel and their associated trademarks belong to their respective owners.

16. User Responsibilities

When using our products, you agree to provide accurate information and use the products lawfully.

You are responsible for:

• The information you enter;
• Checking important calculations;
• Protecting your downloaded files;
• Keeping sensitive financial information secure;
• Evaluating recommendations or opportunities;
• Verifying information with relevant providers;
• Reading contracts before agreeing to changes; and
• Making your own final financial decisions.

Do not enter sensitive information into a spreadsheet or service unless you are comfortable with how that information will be stored and protected.

17. Website Use

You agree not to misuse our website or interfere with its normal operation.

You must not knowingly:

• Introduce malicious software;
• Attempt unauthorized access to our systems;
• Scrape or extract protected content at scale without permission;
• Circumvent access controls;
• Use our website for fraudulent purposes; or
• Use our intellectual property in violation of these Terms.

18. Product Availability

We may update, improve, replace, discontinue, or modify products from time to time.

Unless your purchase expressly includes future updates, purchasing a digital product does not necessarily entitle you to every future version, feature, expansion, or replacement product.

However, changes will not remove rights you already have under applicable consumer law.

19. Promotions and Discount Codes

Promotional offers and discount codes may be subject to separate conditions.

Unless otherwise stated:

• Discounts cannot be exchanged for cash;
• Only one discount may be permitted per transaction;
• Promotions may have expiration dates; and
• Promotional pricing may be changed or withdrawn before an order is completed.

We reserve the right to reject the misuse of promotional codes.

20. Testimonials and Examples

Any genuine customer testimonials displayed on our website represent the experiences of the individuals providing them.

Individual results vary.

A testimonial should not be interpreted as a guarantee that you will achieve the same financial result.

Illustrative scenarios, examples, demonstrations, or sample spreadsheet data may be used to explain how a product works. Where appropriate, these should not be interpreted as representing actual customer results.

21. Affiliate Links and Commercial Relationships

Some Uncle Greenback content may contain affiliate links or other commercial recommendations.

Where applicable, we may receive compensation if you purchase or take an action through one of these links.

We will make disclosures where required by applicable law.

The existence of a commercial relationship does not change your responsibility to determine whether a product or service is appropriate for you.

22. Third-Party Websites and Services

Our website or products may reference or link to third-party websites, companies, financial institutions, service providers, or software platforms.

These third parties operate independently from Uncle Greenback.

We are not responsible for their websites, availability, privacy practices, pricing, products, terms, or services.

You should review a third party's terms and policies before entering into an agreement with them.

23. Privacy

Your use of our website is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, store, and otherwise process personal information.

Please review it before using our website or submitting personal information.

24. Electronic Communications

When you place an order or contact us electronically, you agree that we may communicate with you electronically where permitted by law.

Transactional communications may include order confirmations, receipts, download instructions, security notices, and customer-service messages.

Marketing communications are handled separately and may require consent depending on applicable law.

Where required, marketing emails will provide an appropriate method for unsubscribing.

25. Limitation of Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

Subject to applicable law, we are not responsible for losses resulting solely from your reliance on general educational material where you have not independently evaluated whether it is appropriate for your circumstances.

We are also not responsible for financial outcomes controlled by third parties, such as whether a provider agrees to reduce a bill or offer a discount.

Nothing in these Terms excludes or restricts liability for matters that cannot legally be excluded, including applicable statutory consumer rights.

26. Indemnity

To the extent permitted by applicable law, you are responsible for losses arising from your unlawful misuse of our website, products, or intellectual property or your material breach of these Terms.

This provision does not apply where doing so would improperly restrict your statutory consumer rights.

27. Events Outside Our Reasonable Control

We will not be responsible for delays or failures caused by circumstances outside our reasonable control, subject to any rights you have under applicable law.

These may include widespread internet outages, infrastructure failures, third-party platform outages, cyber incidents, natural disasters, governmental action, and other events we could not reasonably prevent.

28. Changes to These Terms

We may update these Terms from time to time to reflect changes to our business, products, technology, or legal obligations.

The updated Terms will be published on this page with a revised “Last updated” date.

Where legally required, changes will not retrospectively remove contractual or statutory rights relating to purchases you have already made.

29. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be treated as modified or removed to the extent necessary, while the remaining provisions will continue to apply where legally permitted.

30. No Waiver

If we do not immediately enforce a provision of these Terms, this does not necessarily mean that we have waived our right to enforce it later.

31. Entire Agreement

These Terms, together with any applicable product-specific terms and policies referenced during your purchase, form the agreement governing your purchase and use of our products, subject to any statutory rights that apply.