Terms and refunds
Last updated: 11 November 2026.
What you buy
Clear Month Budget Planner is a digital product: spreadsheet files (Excel, also usable in Google Sheets) and a PDF guide, delivered by download after payment. Prices include VAT where it applies.
30-day money-back guarantee
If the product does not help you, email mateus@myno.com.br within 30 days of purchase and I will refund the full price. No forms and no reasons needed.
Your right to cancel
If you live in the UK or the EU, you normally have 14 days to cancel an online purchase. For digital content that is delivered straight away, you agree at checkout that it is supplied immediately and that this statutory right ends once the download starts. This does not affect the 30-day guarantee above, which stays available to you regardless.
Using the product
You may use the files for yourself and your household. Please do not resell or share them.
Not advice
Clear Month is a planning and organising tool. It does not give financial, tax or debt advice and does not promise any result. Calculations such as interest are estimates. Check them against your own statements and, where you need advice, ask a qualified adviser or a free service such as MoneyHelper, StepChange or MABS.
Contact
Mateus Mayorca Camargo, Rua Cabo Alberto Bernardini de Aragão 161, 85803-370 Cascavel PR, Brazil. mateus@myno.com.br.