Terms of service

Last updated: 26 September 2026

1. Who we are

CaveArc Studio (“we”, “us”) publishes digital products for independent professionals. Contractor Bid & Margin Guard is sold and delivered through Gumroad, which acts as merchant of record for payments, invoicing, tax handling and delivery. Purchase terms for future products will be stated on their product pages.

Business name (trade name): CaveArc Studio
Legal form: Entrepreneur individuel (France)
SIREN: 899 732 317
SIRET (registered office): 899 732 317 00024
Activity: 62.01Z — Programmation informatique (software publishing/programming)
Host: Cloudflare, Inc., 251 Little Falls Drive, Wilmington, DE 19808, USA

Registered office, legal representative and VAT details: see Legal information. Contact: .

2. Products and license

Unless stated otherwise on the product page, each product is licensed for use by a single purchaser for their own business use. Redistribution, resale or publication of the files is not permitted. For Contractor Bid & Margin Guard, your one-time purchase gives you lifetime use of the version you buy. Future updates are not promised and may be sold separately if offered.

3. Purchases, billing and taxes

For this workbook, payments, currency conversion, VAT/sales tax and receipts are processed by Gumroad. By completing a purchase you also agree to Gumroad's terms. Prices are shown on the product page before checkout.

4. Support and refunds

Support requests and refund terms are described on our Refund Policy and Contact pages.

5. No professional advice

Our workbooks and templates are tools that perform calculations from the data you enter. They do not constitute accounting, tax, legal or investment advice, and they do not replace professional judgment on pricing or contracts.

6. Disclaimer and liability

The products are provided “as is”. To the maximum extent permitted by law, we are not liable for indirect or consequential damages. Nothing in these terms limits liability that cannot be limited by law.

7. Changes

We may update these terms as our product line evolves. The version in force is the one published on this page at the time of your purchase.