Privacy Policy

Last Updated: September 6, 2026

Welcome to SheetsWell — Clear Your Debt. Master Your Cash.

At SheetsWell, we believe managing money should be simpler, more practical, and less stressful. We provide free Google Sheets and Excel templates, educational articles, calculators, guides, and other resources designed to help you organize your budget, manage debt, build savings, and track your net worth.

Your privacy matters to us. This Privacy Policy explains what information we may collect when you visit or use SheetsWell.com, how we may use that information, when it may be shared, and the choices you have regarding your information.

By using our website, you agree to the practices described in this Privacy Policy. If you do not agree with this policy, please discontinue use of the website.

1. Who We Are

SheetsWell is a personal finance education and resources website founded by Satyajit Srichandan.

Website: SheetsWell
Tagline: Clear Your Debt. Master Your Cash.
Contact: hello@sheetswell.com

SheetsWell is not a bank, lender, investment firm, accounting firm, or licensed financial advisory service.

The information provided through this website is intended for general educational and informational purposes only. Nothing on SheetsWell should be considered personalized financial, investment, tax, legal, accounting, credit, or other professional advice.

2. Information We May Collect

Depending on how you use our website, we may collect limited information.

Information You Provide Voluntarily

You may choose to provide information when you:

• Contact us by email
• Subscribe to an email newsletter, if available
• Request or download a template
• Submit feedback or questions
• Participate in surveys, forms, or other website features
• Communicate with us about our content or resources

This information may include your name, email address, and any other information you voluntarily include in your message or submission.

Please avoid sending sensitive personal or financial information through our contact forms or email unless it is specifically necessary for your request. SheetsWell does not need your bank account numbers, passwords, credit card numbers, Social Security numbers, or similar sensitive credentials to provide our general website resources.

Information Collected Automatically

When you visit SheetsWell, certain technical information may be collected automatically by our website, hosting provider, analytics services, advertising partners, or similar technologies.

This may include information such as:

• IP address
• Browser type and version
• Device type
• Operating system
• General geographic region
• Referring website
• Pages viewed
• Approximate time spent on pages
• Date and time of visits
• Website interactions
• General usage and diagnostic information

This information is generally used to understand how visitors use our website, maintain website security, identify technical problems, and improve the overall user experience.

3. Financial Information and Templates

SheetsWell provides budgeting, debt payoff, savings, and net worth tracking templates intended to help you organize your own financial information.

If you download or use one of our Google Sheets or Excel templates, you may enter your own financial information into that file. SheetsWell does not automatically receive or collect the information you enter into your personal copy of a spreadsheet simply because you downloaded or used the template.

For example, if you enter your income, expenses, debts, account balances, or savings goals into a spreadsheet stored in your personal Google Drive or on your own device, that information is under your control and is subject to the privacy practices and security of the service or device where you store it.

We strongly recommend that you do not share completed spreadsheets containing sensitive financial information publicly or with people you do not trust.

4. How We Use Information

We may use information collected through SheetsWell for legitimate website and business purposes, including to:

• Provide and maintain our website and resources
• Respond to questions and requests
• Deliver requested downloads or communications
• Improve our templates, articles, calculators, and educational resources
• Understand website traffic and visitor behavior
• Monitor website performance
• Detect, prevent, and investigate fraud, abuse, or security issues
• Maintain website functionality
• Communicate important updates about our services or policies
• Send newsletters or other communications when you have voluntarily subscribed
• Comply with applicable legal obligations

We do not need to know your personal financial situation to provide most SheetsWell resources.

5. Cookies and Similar Technologies

SheetsWell may use cookies, pixels, local storage, analytics tools, or similar technologies.

Cookies are small files or pieces of information stored on your device that can help a website remember preferences, understand usage patterns, and improve functionality.

Cookies may be used for purposes such as:

• Website functionality
• Security
• Analytics
• Understanding traffic and usage
• Remembering preferences
• Measuring the effectiveness of content or marketing
• Advertising, where applicable

You can generally control or disable cookies through your browser settings. However, disabling certain cookies may affect the functionality or appearance of some parts of the website.

Third-party services used on our website may also place their own cookies or similar technologies according to their respective privacy policies.

6. Analytics and Third-Party Services

We may use third-party services to help operate, analyze, secure, or improve SheetsWell.

These services may include website analytics, hosting, email delivery, embedded content, advertising, spam prevention, payment processing, or other technology providers.

Third-party providers may process certain information according to their own privacy policies and terms. We do not control the privacy practices of independent third-party services.

If you interact with a third-party service through SheetsWell — for example, by clicking an external link, using an embedded tool, or downloading a file hosted by another provider — that interaction may be governed by the third party’s privacy policy.

We encourage you to review the privacy policies of third-party services before providing them with personal information.

7. Google Sheets and External Links

Some SheetsWell templates may be provided through Google Sheets or other third-party platforms.

When you access an external platform, you are leaving the SheetsWell website and may become subject to that platform’s terms and privacy practices.

SheetsWell does not control how Google or another third-party platform collects, stores, or processes information. Please review the applicable third-party privacy policy for more information.

Similarly, SheetsWell may contain links to other websites, resources, products, or services. These external websites operate independently from SheetsWell, and we are not responsible for their privacy practices, content, security, or policies.

8. Email Communications

If you voluntarily subscribe to a SheetsWell newsletter or email list, we may use your email address to send educational content, updates, new templates, useful resources, or other communications related to SheetsWell.

You can unsubscribe from marketing or newsletter emails at any time by using the unsubscribe option included in the email or by contacting us at hello@sheetswell.com.

We may retain certain information about your subscription or unsubscribe request so that we can honor your communication preferences.

9. How We Share Information

We do not sell your personal information simply because you use SheetsWell.

We may share limited information with trusted service providers when reasonably necessary to operate and improve the website. For example, service providers may assist with hosting, analytics, email delivery, security, website functionality, or other technical operations.

We may also disclose information when we believe it is reasonably necessary to:

• Comply with applicable laws or legal processes
• Respond to lawful requests from authorities
• Protect the rights, property, or safety of SheetsWell, our visitors, or others
• Detect or prevent fraud, abuse, or security threats
• Enforce our website terms and policies
• Support a business transaction such as a merger, acquisition, restructuring, or sale of assets

Any sharing of information will be limited to what is reasonably necessary for the relevant purpose where practicable.

10. Data Security

We take reasonable steps to protect information collected through SheetsWell from unauthorized access, misuse, alteration, disclosure, or destruction.

However, no website, online service, electronic transmission, or storage system can be guaranteed to be completely secure.

For this reason, we cannot promise absolute security of information transmitted to or stored through the website.

Please also take reasonable precautions when using our financial templates. Do not publicly share spreadsheets containing sensitive information such as account details, personal identification information, or private financial records.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, maintaining records, resolving disputes, preventing abuse, complying with legal obligations, and enforcing agreements.

The specific retention period may vary depending on the type of information and why it was collected.

Information that is no longer reasonably necessary may be deleted, anonymized, or otherwise disposed of where appropriate.

12. Your Privacy Choices and Rights

Depending on where you live and applicable privacy laws, you may have certain rights concerning your personal information.

These may include the right to:

• Ask what personal information we hold about you
• Request correction of inaccurate information
• Request deletion of certain personal information
• Withdraw consent where processing is based on consent
• Opt out of certain marketing communications
• Object to or restrict certain processing
• Request access to your information
• Exercise other rights provided by applicable law

These rights may be subject to legal exceptions and limitations.

To make a privacy-related request, contact us at:

hello@sheetswell.com

We may need enough information to reasonably verify your request before taking action. We will handle legitimate requests in accordance with applicable law.

13. Children’s Privacy

SheetsWell is intended for a general audience and is not specifically directed toward children.

We do not knowingly seek to collect personal information from children where doing so would violate applicable law.

If you believe that a child has provided personal information to us inappropriately, please contact us at hello@sheetswell.com, and we will consider appropriate steps to address the situation.

14. International Visitors

SheetsWell may be accessible from countries around the world. Depending on where you live, your information may be processed or stored in a country different from your own.

Privacy and data protection laws can vary between jurisdictions. Where applicable, we will take reasonable steps to handle personal information in accordance with applicable legal requirements.

15. Financial Disclaimer

SheetsWell operates in the personal finance education space, but we are not a licensed financial advisory service.

Our articles, calculators, spreadsheets, examples, recommendations, and other materials are provided for general educational and informational purposes.

Nothing on SheetsWell constitutes personalized financial, investment, tax, legal, accounting, lending, credit, or other professional advice.

Financial decisions depend on individual circumstances, goals, income, expenses, debts, risk tolerance, laws, and other factors. You should independently evaluate information and, where appropriate, consult a qualified professional before making significant financial decisions.

The privacy practices described in this policy do not change the educational nature of the information provided by SheetsWell.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, technology, services, business practices, or applicable legal requirements.

When we make changes, we will update the “Last Updated” date at the top of this page.

We encourage you to review this Privacy Policy periodically so you remain informed about how information may be handled.

Your continued use of SheetsWell after changes are posted may constitute acceptance of the updated policy to the extent permitted by applicable law.

17. Contact Us

If you have questions about this Privacy Policy, your personal information, our website practices, or a privacy-related request, we are happy to hear from you.

SheetsWell
Founder: Satyajit Srichandan
Email: hello@sheetswell.com
Website: SheetsWell.com

We aim to keep privacy simple, transparent, and understandable — just as we aim to make personal finance easier to manage.

Clear Your Debt. Master Your Cash.