Updated as of September 13th, 2021


These terms of use, as may be amended from time to time, apply to all our services directly or indirectly (through distributors) made available online. By accessing, browsing, and using our website (hereafter collectively referred to as the "Platform") or any of our applications through whatever platform (mobile) and/or by completing a transaction, you acknowledge and agree to have read, understood, and agreed to the terms and conditions set out below.

emodelfactory.com ("Website") is owned and operated by EMF Business Consultants Pvt. Ltd., with a registered address at A/471, Indira Nagar, Lucknow, India ("We", the "Operator" or "EMF"). The Terms of Use ("Terms") form a legally binding agreement ("Agreement") between EMF and the user ("You" or the "User").

In order to use our Website, the User must have reached the legal age of 18 (or the age of consent in your jurisdiction) and be able to form a legally binding contract. The use of this Website by minors is not permitted.

The following policy discloses Terms for using our Website. By accessing and browsing the Website, the User accepts, without limitation or qualification, to accept and adhere to the Terms of Use.

Use is only permitted where these Terms of Use do not violate the applicable laws in the User’s jurisdiction. If you do not agree to our Terms of Use, or these Terms are not valid in your legal jurisdiction, you must not use our Website.

The Purpose

The purpose ("Purpose") of our Website is to provide Users access to quality products, resources, and services related to financial modeling and financial planning projects through a subscription plan. For this Purpose, we provide products ("Products") and resources ("Resources"), together with the "Content", as well as Services ("Services") serving that Purpose.

  • Products are offered in the form of spreadsheet templates and other templates and custom financial models, mostly spreadsheet files in Excel which contain industry-specific and state of the art financial modeling know-how, which can be customised by the user within the website itself;
  • Resources are offered as information, in the form of articles, newsletters, book and course recommendations, blog, spreadsheets, documents which may help users to deal with their financial modeling projects:
  • Services include the preparation of tailor-made financial models and Content as per User requirements and by the team of EMF and Sub contractors.

The Purpose of our Website also consists in continuously improving our Content and Services. Our Website can only be used for the stated Purpose.


EMF does not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. This disclaimer applies to all information within this site, including but not limited to example models, Modules content, knowledge base articles, resources and models created through the software.

Privacy Statement

EMF respects the privacy of all its Website Users and is seriously committed to maintain and protect the confidentiality of personal data from its Users. The Privacy Statement, which rules the use of User data, forms an integral part of the Terms of Use.


Except as otherwise stated, all materials, which without limitation include spreadsheets and other templates, pictures, graphics, designs, videos, icons, and any other written materials found on and made available through www.emodelfactory.com are copyrighted, trademarked, controlled or licensed by emodelfactory, its affiliates, or by their respective creators.

As a User, you may not distribute, transmit, license, or publish the Website or its content for commercial purposes; may not remove any copyright, trademark, or any other proprietary notices from any part of our Website; and/or infringe upon our intellectual property rights by using our Website.

SpreadSheet Delivery

EMF doesn't guarantee delivery of the spreadsheet model within a specified time stated or not. However, we strive to provide the spreadsheet model as early as possible to ensure quality service to our users.

Website Termination

EMF rеѕеrvеs the right to diѕсоntinuе, alter, or stop publishing the Website and/or any of its services at any time in its ѕоlе diѕсrеtiоn without notice or explanation; and save to the extent expressly provided otherwise in thеѕе terms and conditions, you will not be entitled to any соmреnѕаtiоn or оthеr рауmеnt upon the diѕсоntinuаnсе or аltеrаtiоn of any Wеbѕitе ѕеrviсеѕ, or if EMF ѕtорs publishing the Wеbѕitе. Any refunds in this regard for suspension of any ongoing subscription will be solely on the discretion of EMF.

License And Permitted Use

By purchasing the Content or Services from EMF, the User receives a lifelong, royalty-free license to use the Content or Services as follows:

  • The duration of the license to use the spreadsheet downloaded or purchased via EMF is unlimited.
  • The User has the right to download, store, copy, edit, print & use the spreadsheets for personal or professional use.
  • Products are purchased "as is". The license does not entitle receiving future model updates.
  • Resources and example / sample models downloaded from the site can be used within your team provided that your team size does not exceed 20 persons.
  • All copyrights of the provided Content remain with the EMF.
  • The User is not allowed to publish our spreadsheet online, sell our spreadsheet, sub-license, commercialize or otherwise provide public access.
  • Reselling a Product or Service or any derivative, purchased or obtained from EMF, specifically is not permitted.
  • The intentional removal of security measures to protect downloaded files is not permitted and violates the intended use.
  • Refunds

  • Our Products, especially digital products such as "Excel Templates", and "Services" are sold "as is" and we cannot simply take them back. As such, we do not offer any refunds. However, in case the Products or Services have mistakes, issues, or are incorrect, we will happily receive feedback and will do our best to correct them. Simply email us at hello@emodelfactory.com and we will get touch in with you.
  • Disclaimer

    Our Website, Resources, Products, and Services are provided on an "as is" basis. EMF does not give any warranties or assurances that it will satisfy the User’s expectations or requirements. There is expressively no warranty provided for any eventual mistakes, omissions of the Content, or that all materials are accurate and up to date. The Content might have errors or omissions in it, be outdated, or not be applicable to the User’s specific situation.

    It is the responsibility of the User to select the appropriate Content suitable and applicable to his specific use case. EMF will do its best to keep a high-quality standard of the Content and Services offered via its Website and welcomes User input to improve the quality of our Content and Resources.

    Opinions, advice, statements, offers, or other information or Content made available through our Website, but not directly by EMF, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. EMF is not responsible for, the accuracy or reliability of any opinion, advice, or statement made by parties other than EMF.

    EMF or other associated parties will be liable for any direct or indirect damages or losses which might have occurred directly or indirectly by using the Website, Content, or Services from us. Any eventual liability and compensation of damages herewith are excluded.

    We cannot guarantee that our Website will be available at all times, as it might be affected by technical issues beyond our control. Where possible, we always try to give advance warning of maintenance issues that may result in Website down time but we shall not be obliged to provide such notice.


    These Terms of Use entail the entire agreement between the User(s) and EMF.

    If any part of this Agreement is held invalid or unenforceable, that portion of the Agreement will be construed consistent with applicable law. The remaining portions will remain in full force and effect. Any failure on the part of EMF to enforce any provision of this Agreement will not be considered a waiver of our right to enforce such provision. Our rights under this Agreement will survive any termination of this Agreement.

    You hereby agree that any cause of action related to or arising out of your relationship with EMF must commence within ONE year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

    EMF may assign or delegate these Terms of Service and/or the Company’s Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under the Terms of Service or Privacy Policy without EMF prior written consent, and any unauthorized assignment and delegation by you are void.

    Governing Law And Jurisdiction

    These Terms of Use are construed as per the applicable laws in India. All disputes shall be ruled by the courts of the city of Lucknow, India.

    Contact Us

    Please get in touch with us at hello@emodelfactory.com for any question you might have with respect to these Terms of Use.