Terms of Service

Effective date · August 8, 2026

These Terms form an agreement between you and PawMargin, a South Carolina sole-proprietor business. They govern use of the PawMargin website, calculator, and digital products. By using the service or completing a purchase, you agree to them.

Eligibility and acceptable use

You must be legally able to enter a contract where you live. You may use PawMargin only for lawful purposes and may not interfere with the service, bypass access controls, misuse payment systems, introduce malicious code, or use automated methods that unreasonably burden the site.

Educational tool

PawMargin provides estimates and planning tools, not tax, legal, insurance, accounting, investment, or financial advice. Results depend on your inputs and assumptions. You are responsible for validating rates, taxes, insurance, licensing, employment rules, and other local requirements.

Purchases, recurring charges, and delivery

The PawMargin Pricing Kit costs $19 as a one-time digital purchase. It is not a subscription, has no recurring fee, and does not automatically renew. Any future product or recurring service would require separate, clearly disclosed customer consent. Prices and included files are shown before checkout. Stripe processes payment. Digital delivery occurs after PawMargin verifies a successfully paid Checkout Session. You are responsible for providing accurate checkout information and retaining your downloaded file.

Digital product license

A completed purchase grants the buyer a limited, non-exclusive, non-transferable license to use and adapt the workbook for one pet-care business. You may make personal backup copies. You may not resell, sublicense, redistribute, publish, share publicly, remove ownership notices, or make the workbook available as a competing template or service.

Refunds

Refund eligibility is governed by the posted Refund Policy, which is incorporated into these terms.

Intellectual property

PawMargin, its site content, calculator design, copy, and digital products are owned by PawMargin or its licensors and are protected by applicable intellectual-property laws. No rights are granted except those expressly stated.

No guarantees

PawMargin does not guarantee income, profit, demand, market acceptance, uninterrupted availability, or that any calculated rate is appropriate for a particular market or customer.

Disclaimers and limitation

To the fullest extent allowed by law, the service and products are provided “as is” and “as available.” PawMargin disclaims implied warranties and is not liable for indirect, incidental, special, consequential, or lost-profit damages. PawMargin's total liability relating to a paid product will not exceed the amount paid for that product. Some jurisdictions do not allow every limitation, so applicable rights remain.

Changes and termination

PawMargin may update or discontinue parts of the service and may restrict misuse. Material term changes will be posted with a revised date.

Governing law and disputes

These Terms are governed by the laws of South Carolina, United States, without regard to conflict-of-law principles. Before filing a claim, you and PawMargin agree to make a reasonable good-faith effort to resolve the dispute through support@pawmargin.com. Any unresolved dispute may be brought in a court of competent jurisdiction in South Carolina. Nothing in these Terms limits rights that cannot legally be waived.

Contact

Questions may be sent to support@pawmargin.com.