Digital Products
All products sold through Hoda Finance (hodacfo.com) are digital downloads delivered via Gumroad. Because digital files are immediately accessible upon purchase, all sales are final. No refunds are issued except where required by applicable consumer protection law.
Upon purchase you receive a personal, non-transferable licence to use the file for your own professional or business purposes. You may not resell, redistribute, sublicense, or share the file with others.
No Professional Advice
All tools, templates, calculators, and content on this site are educational and professional resources only. Nothing on this site constitutes investment advice, tax advice, accounting advice, or legal advice. The outputs of any tool depend entirely on the inputs you provide. You are responsible for verifying all calculations and consulting a qualified professional before making financial, tax, investment, or legal decisions.
Specific disclaimers apply to individual products:
- DCF Valuation Model — does not constitute a recommendation to buy or sell any security.
- Tax tools (Self-Employed Tax Tracker, 1099 Tax Calculator) — calculations are estimates based on US federal tax law. State tax treatment varies. Not a substitute for professional tax filing advice.
- UAE VAT 201 Return Tracker — output must be verified by a qualified tax agent before submission to the FTA. Not endorsed by the FTA.
- Etsy Profit Tracker — fee rates are verified periodically but may change. Not affiliated with or endorsed by Etsy Inc.
Intellectual Property
All content on this site — including tool designs, methodology documentation, copy, and visual assets — is the intellectual property of Hoda Elmorshidy. You may not reproduce, publish, or distribute any content from this site without written permission.
Accuracy of Information
Tax rates, fee schedules, regulatory references, and financial data are updated periodically but may not reflect the most current information at the time of your use. Always verify figures against primary sources (IRS publications, FTA guidelines, Etsy fee schedules, SEC filings) before relying on them for decisions.
Governing Law
These terms are governed by the laws of the United Arab Emirates. Any dispute arising from the use of this site or its products shall be subject to the jurisdiction of the courts of Dubai, UAE.
Changes to These Terms
These terms may be updated from time to time. Continued use of this site after any change constitutes acceptance of the revised terms. The date at the top of this page reflects the most recent update.
Contact
Questions: Hoda.elmorshidy@gmail.com