Terms of service

Last updated: November 7, 2026

These terms and conditions govern the use of cuentasenclaro.com and the purchase of products and services from Cuentas en Claro, operated by Damaris Fernández (“we”). By using the site or making a purchase, you accept these terms. If you do not agree, please do not use the site.

1. Educational content

All content on the site and in our videos, templates, planners, courses and emails is for educational and informational purposes. It is not personalized accounting, tax, legal or financial advice. See our Legal notice for more details.

2. Digital products

Our products (templates, planners, courses and other files) are digital. Nothing physical is shipped.
When you buy, you receive a personal, non-exclusive and non-transferable license to use the product for your own finances or those of your own business.
You may not resell, share, give away, publish, upload to other sites or redistribute the files, in whole or in part, or present them as your own.
Products may require third-party software (for example, Microsoft Excel, Google Sheets or a web browser). It is your responsibility to have it.

3. Free resources

Free resources are provided “as is”, for personal use, and are subject to the same redistribution restrictions.

4. Prices and payments

Prices are shown in Canadian dollars (CAD) and may not include applicable taxes, which are calculated at checkout. Payments are processed securely through Shopify. We may change prices at any time without affecting purchases already made.

5. Professional services

Tax, bookkeeping, QuickBooks implementation and consulting services are not purchased directly on the site. Submitting the “Work with me” form does not create a professional relationship. Each service is agreed in writing, with its scope, timeline and price, in a separate proposal or agreement, which takes precedence over these terms.

6. Intellectual property

The text, designs, logos, videos, templates and other content on the site are owned by Cuentas en Claro or used with permission, and are protected by copyright law. You may not copy them or use them for commercial purposes without our written permission.

7. Acceptable use

You agree not to use the site for illegal purposes, not to try to damage it or access its systems without permission, and not to submit false information.

8. Third-party links

The site may link to third-party sites such as YouTube, Instagram, TikTok, Facebook or Google. We are not responsible for their content or policies.

9. Limitation of liability

To the extent permitted by law, Cuentas en Claro is not liable for losses, penalties, interest, fines or damages arising from the use of the content, templates or products, or from decisions you make based on them. Our total liability for any claim related to a purchase will not exceed the amount you paid for that product.

10. Refunds

Returns and refunds are governed by our Refund policy.

11. Privacy

The use of your personal information is governed by our Privacy policy.

12. Changes

We may update these terms. The current version is the one posted on this page.

13. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute will be resolved by the courts of Ontario.