1. Acceptance. By using QuarterPilot, you agree to these terms. If you don't agree, don't use the service.

2. Educational product. QuarterPilot is an organizational and educational tool, not tax software or professional advice. See our Disclaimer.

3. Purchases. The $1 kit is a one-time digital download. The $5/month membership is a recurring subscription billed monthly until you cancel.

4. Refunds. Because products are digital and delivered instantly, the $1 kit is non-refundable once accessed. Memberships may be cancelled at any time; access continues through the end of the paid period.

5. Cancellation. Members can cancel anytime from the dashboard. No notice period or contact required.

6. Your data. You are responsible for the accuracy of information you enter. We store minimal account data — see our Privacy Policy.

7. Intellectual property. Kit content and templates are licensed for your personal use. Don't resell or redistribute.

8. No warranties. The service is provided "as is" without warranties of any kind.

9. Changes. We may update these terms and product content. Material changes will be communicated to members.