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Due to the digital nature of By Oily Design's and Ruth Rackley's products, all sales of Spreadsheets, eBooks, templates, PDFs, courses, subscriptions, presets, and memberships are final.

Polices for digital products. All Digital Products are for individual use only. You may not share or sell the digital product to any third-parties. For spreadsheets, they must remain in your own Google or Microsoft Office account.

All digital products on this site are protected by intellectual property laws, including but not limited to written text, logos, photos, videos, music, art, designs, and graphics. Any reproduction or unauthorized use of any materials found on this Website or By Oily Design shall constitute infringement. Your purchase grants you a single, non-transferable license to the specific materials you've purchased (including free and paid content). All content you obtain through the digital product is the property of By Oily Design, and your license allows for personal, non-commercial use only by you.

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