Version: 1.0 · Effective Date: 10 May 2026
These Terms of Sale govern your purchase of the AI SaaS Financial Model (the “Licensed Product”) from Dmitry Perelygin (“Licensor”, “we”, “us”). By completing the purchase, you agree to these Terms of Sale, together with the License Agreement and the Disclaimer, all of which form a single binding contract.
1. About the Seller
In compliance with Italian Legislative Decree no. 70/2003 on electronic commerce and EU Directive 2011/83/EU, the Licensor identifies itself as follows:
- Seller name: Dmitry Perelygin
- Legal form: Italian sole trader (ditta individuale)
- Partita IVA: 04180740047
- Codice fiscale: PRLDTR75S12Z154H
- Registered address: Corso Alcide De Gasperi 53, 12100 Cuneo (CN), Italy
- Activity (ATECO): 702009 — Consulenza imprenditoriale e altre attività di consulenza gestionale
- Contact email: aisaas@perelygin.expert
- Website: https://perelygin.expert/
2. The Licensed Product
The Licensed Product is the AI SaaS Financial Model, comprising the master spreadsheet template, the populated demonstration workbook (DEMO), the User Manual, the Financial Glossary, the Benchmark Sources workbook, and minor updates within the same major version, as fully defined in the License Agreement.
3. Price and Taxes
3.1 The price of the Licensed Product is displayed at checkout on the relevant platform, in the relevant currency, before any platform fees and applicable taxes.
3.2 Where the purchase is made through a third-party platform acting as merchant of record (such as Gumroad or Lemon Squeezy), that platform is responsible for collecting and remitting applicable sales tax, value-added tax (VAT), goods and services tax (GST), and similar consumption taxes on the transaction with the end customer.
3.3 Reference Currency. The reference price of the Licensed Product is stated in euros (EUR). Where the third-party platform displays the price in another currency, that display is for convenience only and reflects the platform’s conversion based on the customer’s location at the time of checkout. The contractual price is the price actually charged by the platform at the time of checkout, as recorded in the order confirmation.
3.4 Pricing Variations and Updates. The contractual price for any given transaction is the price displayed and charged to Licensee at the time of completing checkout, as recorded by the platform and reflected in the order confirmation. Promotional pricing, discount codes, and regional pricing variations applied by the platform at checkout form part of the contractual price for that transaction. Licensor reserves the right to update the list price of the Licensed Product prospectively; such updates do not affect transactions already completed.
4. Delivery
4.1 Delivery of the Licensed Product is deemed complete when the access link, download URL, or download trigger has been made available to the email address provided at checkout, and the order confirmation email has been dispatched.
4.2 The Licensed Product is delivered as digital content. No physical goods are shipped.
4.3 Licensor retains records of delivery, including order ID, timestamp, customer email address, and the version of these Terms accepted by the customer.
4.4 Delivery Failure and Cure. If Licensee does not receive the order confirmation email or access link within a reasonable period after payment (typically one (1) hour), Licensee shall contact Licensor at aisaas@perelygin.expert with the order ID and payment confirmation. Licensor will use commercially reasonable efforts to verify the order and provide alternative delivery (such as a direct download link sent to a confirmed email address) within five (5) business days of such notification. Failure of original delivery due to an invalid or undeliverable email address provided by Licensee at checkout does not entitle Licensee to a refund where alternative delivery is offered and available.
5. Compatibility and System Requirements
5.1 The Licensed Product is designed for Microsoft Excel 2019 and later, and Microsoft 365.
5.2 The Licensed Product may function in Google Sheets, LibreOffice Calc, Numbers, or other spreadsheet applications, but Licensor does not warrant compatibility, feature parity, or correct output in any application other than Microsoft Excel 2019, Microsoft 365, or later supported Microsoft Excel versions. Certain advanced formulas, named ranges, conditional formatting, data validation, or scenario engine features may behave differently or require modification in non-Microsoft environments.
5.3 Licensee is responsible for ensuring compatibility with Licensee’s software environment before purchase, including by reviewing the product page, screenshots, and any preview materials made available by Licensor.
6. Support
6.1 The Licensed Product is delivered with comprehensive built-in documentation, including the User Manual and Financial Glossary, which together describe the structure, methodology, and intended use of every sheet and key formula.
6.2 No additional technical support, advisory services, custom modelling, or training are included in the price of the Licensed Product. Such services, if available, are offered separately and subject to a separate written agreement.
7. Refund Policy
Refunds are governed by Licensor’s Refund Policy, which is incorporated by reference into these Terms of Sale. The Refund Policy provides that all sales are final after delivery of access to the Licensed Product, with the following exceptions:
- (a) where required by mandatory consumer protection law applicable to the purchase;
- (b) where required by the rules of the platform through which the purchase was made (for example, where the purchase is made through Gumroad or Lemon Squeezy, that platform may, at its discretion or in accordance with its standard policies, process a refund within its defined refund window; in such cases, Licensor will cooperate with the platform);
- (c) in cases of fraud, mistaken identity, or duplicate payment;
- (d) in cases of demonstrable failure of delivery (i.e., access never delivered to the email address provided at checkout, and not curable under Section 4.4); and
- (e) in cases of demonstrable non-conformity of the Licensed Product (including cases where the Licensed Product is defective, materially fails to perform as described in these Terms or in the User Manual, or contains material errors that prevent its intended use), in which Licensor will, at its option, provide a corrected version, a working substitute, or a refund. This does not limit any statutory remedies under applicable consumer law.
Refund requests should be submitted to aisaas@perelygin.expert with the order ID and a brief description of the issue. Full procedure, response SLA, and post-refund consequences are set out in the Refund Policy.
8. EU/UK Withdrawal Rights for Digital Content
8.1 Where you are a consumer resident in the European Union, the United Kingdom, or another jurisdiction granting equivalent rights, you ordinarily have a 14-day withdrawal right with respect to the purchase of digital content.
8.2 By completing the purchase, you (i) expressly request that supply of the Licensed Product begins immediately upon successful payment and delivery of the access link, and (ii) acknowledge that you thereby lose your right of withdrawal once supply has begun, in accordance with Article 16(m) of Directive 2011/83/EU and equivalent national law.
8.3 The order confirmation email serves as confirmation on a durable medium of (i) the conclusion of the contract, (ii) your prior express consent to immediate supply, and (iii) your acknowledgment of the consequent loss of the right of withdrawal.
8.4 Business Purchasers. The withdrawal rights described in this Section 8 apply to purchases made by consumers, that is, natural persons acting outside their trade, business, craft, or profession. Purchases made for business, internal commercial, or professional planning purposes, including purchases made by or on behalf of a Licensee Entity as defined in the License Agreement, are not consumer purchases and the EU/UK consumer withdrawal rights do not apply. By making the Business Use Representation under Section 2.3 of the License Agreement, Licensee acknowledges and agrees that the withdrawal rights of this Section 8 do not apply to such purchase.
9. Mandatory Consumer Rights
Nothing in these Terms of Sale limits or excludes any mandatory rights you may have as a consumer under applicable consumer protection law in your country of habitual residence to the extent required by such law, including without limitation:
- (a) statutory remedies for digital content that is faulty, not as described, or otherwise non-conforming;
- (b) the right to bring proceedings in the courts of your country of habitual residence;
- (c) the right to a refund in cases provided by mandatory law that override Section 7 of these Terms of Sale; and
- (d) any minimum information requirements applicable to distance contracts.
10. Evidence of Assent and Data Retention
By proceeding through checkout, ticking the agreement checkbox, and completing payment, you are deemed to have read, understood, and accepted (a) these Terms of Sale, (b) the License Agreement, and (c) the Disclaimer. Licensor records and retains the timestamp of acceptance, the version of the documents accepted, the email address provided at checkout, and the order ID, for a period equal to the longer of ten (10) years from the date of purchase (in accordance with Article 2220 of the Italian Civil Code) or the period required by applicable law, in support of (i) contract performance, (ii) tax and accounting compliance, (iii) defence of legal claims, and (iv) enforcement of intellectual property rights. Processing of personal data described in this Section is governed by Licensor’s Privacy Policy.
11. Platform Override
Where the purchase is made through a third-party platform (including but not limited to Gumroad and Lemon Squeezy), the rules and terms of that platform apply concurrently and prevail in case of direct conflict regarding payment processing, refund handling, dispute resolution as between platform and end customer, and tax collection. Licensor’s documents (License Agreement, Disclaimer, Terms of Sale) govern in all other respects. Where these Terms of Sale or the License Agreement conflict with platform terms specifically applicable to consumer protection or mandatory law, the rule that is more protective of the consumer shall apply to that consumer.
12. Governing Law and Dispute Resolution
12.1 These Terms of Sale are governed by the laws of Italy, without regard to conflict-of-law principles.
12.2 Any dispute arising out of or relating to these Terms that cannot be resolved through good-faith negotiation shall be referred to and finally resolved by arbitration administered under the Rules of Arbitration of the Milan Chamber of Arbitration (CAM) by a sole arbitrator appointed in accordance with those rules. The seat of arbitration shall be Milan, Italy. The language of arbitration shall be English.
12.3 To the maximum extent permitted by applicable law, and except where such waiver is prohibited for consumer purchasers under mandatory consumer protection law, the parties waive any right to participate in a class action, collective arbitration, or other consolidated proceeding.
12.4 Nothing in this Section 12 limits any mandatory consumer rights of any consumer purchaser, including the right to bring proceedings in the courts of the consumer’s country of habitual residence to the extent required by applicable law.
13. General Provisions
13.1 Entire Agreement and Order of Precedence. These Terms of Sale, the License Agreement, the Disclaimer, and the Refund Policy constitute the entire agreement between the parties concerning the Licensed Product and supersede all prior agreements and understandings. In the event of conflict between these documents:
- (a) the License Agreement prevails in matters of intellectual property, scope of use, and prohibited uses;
- (b) these Terms of Sale prevail in matters of payment, delivery, platform interaction, and general transaction rules;
- (c) the Refund Policy prevails in matters of refund procedure and remedies for non-conformity; and
- (d) the Disclaimer prevails in matters of the nature of the Licensed Product, the absence of professional advice, and the absence of any advisory or fiduciary relationship.
13.2 Severability. If any provision is held unenforceable, the remaining provisions remain in full force and effect.
13.3 Amendments and Versioning. Licensor may amend these Terms of Sale prospectively and shall publish the current version on Licensor’s website at https://perelygin.expert/. Customers who purchased prior to an amendment are bound by the version in force at the time of their purchase, as recorded in their order confirmation.
13.4 Notices. Notices shall be sent to aisaas@perelygin.expert.
13.5 Language. These Terms are drafted in English. Any translation is for convenience only; the English version controls.