Last updated: November 10, 2026

Terms of Use

The short version. PromoPayoff is a spreadsheet tool that does promo math on the numbers you enter. It does not make decisions for you and is not financial, accounting, tax or legal advice. You have 30 days after you buy to ask for your money back, for any reason. The full terms below are what apply.

1. Who We Are

PromoPayoff is a brand operated by CastleClove Canada Inc., a federally incorporated Canadian corporation ("we", "us"). CastleClove Canada Inc. is the seller and the party to these terms. Contact: hello@promopayoff.ca.

These terms apply to promopayoff.ca, the free COGS Builder, and the paid PromoPayoff toolkit, sold as PromoPayoff Standard and PromoPayoff Pro (together, the "Products"). By using the site or buying or downloading a Product, you agree to these terms. If you buy for a company, you confirm you can accept these terms for it.

2. What You Get

  • The paid toolkit is a Microsoft Excel workbook (.xlsx). You download it right after checkout, and Gumroad also sends you a receipt email with the download link. It is a one-time purchase, not a subscription.
  • PromoPayoff Pro also includes the Pro Pack, a separate Excel workbook with links to public retailer websites, a promo calendar and a glossary of trade terms. This information comes from public sources, can change at any time and is provided for convenience only. We may email updated versions to Pro buyers, but we do not promise any update schedule.
  • The free COGS Builder is a separate Excel workbook offered at no charge. To download it, you give your email address through Gumroad.
  • The Products are designed for the desktop version of Microsoft Excel. Some features, such as sliders and charts, may not work in Excel for the web, Excel for Mac, Google Sheets or other spreadsheet apps.

3. Price and Payment

  • PromoPayoff Standard is $99 CAD and PromoPayoff Pro is $299 CAD, each paid once.
  • Checkout and payment are handled by Gumroad. We do not see or store your card details.
  • Any sales tax that applies is calculated and shown at checkout.

4. Refunds

  • You can ask for a full refund within 30 days of your purchase, for any reason.
  • To ask for a refund, email hello@promopayoff.ca from the address you used to buy. Refunds go back to the original payment method.
  • After a refund, please delete your copies of the toolkit. Your licence ends when the refund is issued.

5. Your Licence

When you buy the toolkit, you get a non-exclusive, non-transferable licence. People who work for the business that bought it may use it.

  • PromoPayoff Standard: for the internal business purposes of one business.
  • PromoPayoff Pro: for up to five brands, which may be your own or your clients' brands. You may use the toolkit and the Pro Pack to provide services for those brands, such as broker, consulting or agency work, and share the results with those clients.

You may not:

  • sell, resell, share, post, lend or give away the toolkit, the Pro Pack or a copy of either, in full or in part, including to a client;
  • with PromoPayoff Standard, use it to provide paid services to other companies, such as consulting or agency work, without our written permission;
  • with PromoPayoff Pro, use it for more than five brands without our written permission;
  • remove PromoPayoff names, logos or notices from it, or present it as your own work.

You may change the inputs, add your own data and save as many working copies as your business needs.

6. Ownership

We own the Products, including their formulas, layout, text, logo and design. Buying a licence does not transfer ownership. Your data stays yours: the data you type into the workbook stays on your computer and is not sent to us.

7. Not Advice

The Products are calculation tools. Their results are estimates based only on the numbers and choices you enter. We are not your accountant, auditor, financial advisor or lawyer, and nothing in the Products or on this site is professional advice. You alone decide whether to run a promotion, what to agree with a retailer, and how to price, report or account for it. Retailer terms, deal structures and tax treatment vary, so check important decisions with a qualified professional.

8. Your Responsibilities

  • Enter accurate, complete numbers. The results depend on them.
  • Check the results before you rely on them, especially before signing a retailer agreement or committing spend.
  • Keep your own backups of your files.

9. No Warranty

We work hard to make the Products accurate, but we provide them "as is". To the extent the law allows, we do not promise that they are error-free, that they will meet your needs, that they will work with every version of Excel, or that a promotion will achieve any result.

10. Limit of Liability

To the extent the law allows:

  • we are not liable for indirect, incidental, special or consequential losses, including lost profits, lost sales, trade spend, retailer deductions or lost data, even if we were told they were possible; and
  • our total liability for any claim about the Products is limited to the amount you paid us for the Product the claim is about. For the free COGS Builder, that amount is zero.

Nothing in these terms limits any rights you have under laws that cannot be limited by agreement.

11. Claims Caused by Your Use

To the extent the law allows, you agree to cover our reasonable losses and costs, including legal fees, from any claim by someone else that arises from your misuse of the Products, your breach of these terms, or the data and decisions you base on the Products.

12. Events Outside Our Control

We are not responsible for delays or failures caused by events outside our reasonable control, such as internet or email outages, failures of our service providers, natural disasters or government action. This does not change your right to a full refund within 30 days of purchase.

13. Emails

We send marketing emails only to people who ticked the box to receive them, or who bought from us in the last two years, as Canada's anti-spam law allows. Every marketing email includes a way to unsubscribe. Emails about an order you placed, such as delivery and refund messages, are sent as part of that order. See our Privacy Policy for how we handle your information.

14. Changes to These Terms

We may update these terms. The date at the top shows the latest version. The terms in place when you bought a Product apply to that purchase.

15. Governing Law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Any dispute will be heard in the courts of Ontario.

16. Transfer

You may not transfer your licence or these terms to anyone else without our written permission. We may transfer these terms to a company that takes over the PromoPayoff business, and your rights under them will continue.

17. If Part of These Terms Is Invalid

If a court finds any part of these terms invalid or unenforceable, that part will be limited or removed as little as needed, and the rest of these terms will stay in effect.

18. Entire Agreement

These terms and our Privacy Policy are the whole agreement between you and us about the Products. They replace any earlier discussions or emails about the Products.

19. Contact

Questions about these terms: hello@promopayoff.ca.