Legal
Last updated: October 2026
These terms apply to the digital products and free tools offered by VALHERA, including THE MONEY RESET and the Debt-Free Date tool.
VALHERA products and tools are organizing and educational resources. They do not provide financial, tax, legal or investment advice, and they are not a substitute for professional advice. Your decisions about your money are your own, and you are responsible for them.
Results from our tools, including the Debt-Free Date tool, are estimates for general information only. Actual results depend on factors such as interest rate changes, fees and your own payments.
When you purchase a digital product, you receive a license for your own personal use. You may not resell, share, redistribute, upload or claim our files as your own, in whole or in part.
Purchases are made through Etsy. Because our products are digital downloads, they are not eligible for returns or exchanges. If you have a problem with your files, such as a file that won't download or open, contact us at hello@byvalhera.com or message us on Etsy and we'll help.
THE MONEY RESET is designed for Microsoft Excel on a computer. Compatibility with other apps may vary. See the product details in our Etsy shop.
To the maximum extent permitted by law, VALHERA is not liable for any loss or damage arising from the use of our products or tools. Nothing in these terms limits rights you may have under the law that cannot be limited.
See our Privacy Policy to learn how we handle information.
Questions? Email hello@byvalhera.com.