Terms of Service

Last updated 2026-10-29

In plain English

• By using Owner Math, you agree to these terms.
• Refunds: 30-day money-back guarantee: email us within 30 days of buying and we will refund the full amount, unless you have already exported a finished packet (a CPA, lender, investor or filing packet) with what you bought. Exporting one ends the refund window. The rule applies to each purchase on its own. If you refund an add-on, only the product you added is removed, and the one you already owned stays yours. If you refund a purchase of both products together, both are removed.
• There is nothing to cancel. You pay once and keep access for good. You can delete your account at any time.
• A price change never costs you more for what you already bought.
• Stripe takes your payment. We never see your card number.
• This is a software tool. It does not give tax, legal or financial advice.
• Keep your licence key private. Anyone who has it can reach your data.
• The most we owe you is what you paid us in the last 12 months.
• The laws of the State of California, United States apply.

This summary is here to make the page easier to read. It is not the full text. If the two ever seem to differ, the full text below is what counts.

The product

Owner Math is restaurant and small business planning software provided by TBG Strategic Consulting LLC. By creating an account or using the product you agree to these terms.

Plans and billing

Billing model: one payment per product for lifetime access, no subscription.

We sell two products: Owner Math for Restaurants and Owner Math for Business. You can buy one, or both together for one lower price. If you already own one, you can add the other later for a lower add-on price. Each is one payment for lifetime access, with unlimited locations. The price is shown on our pricing page and at checkout before you pay.

• Refunds. 30-day money-back guarantee: email us within 30 days of buying and we will refund the full amount, unless you have already exported a finished packet (a CPA, lender, investor or filing packet) with what you bought. Exporting one ends the refund window. The rule applies to each purchase on its own. If you refund an add-on, only the product you added is removed, and the one you already owned stays yours. If you refund a purchase of both products together, both are removed. See refunds.
• Cancellation. There is nothing to cancel. You pay once and keep access for good. You can delete your account at any time.
• Price changes. A price change never costs you more for what you already bought.

Payments are processed by Stripe. We never see or store your card number.

Not tax, legal or financial advice

Owner Math produces calculations and analysis from information you provide. It is a software tool, not a professional adviser, and nothing it outputs is tax, legal or financial advice. Decisions with money or legal consequence attached should be checked with a qualified professional who knows your situation. See our disclaimer.

Your responsibilities

• You are responsible for the accuracy of what you put into the product.
• Keep your licence key private. Anyone holding it can reach your data.
• Do not use the product to break the law or another party's terms.

What we owe you

We will make a reasonable effort to keep the product available and your data intact, and we will tell you without unreasonable delay if something goes wrong that affects you. We do not promise uninterrupted service.

Limitation of liability

To the extent the law allows, TBG Strategic Consulting LLC is not liable for indirect or consequential loss, and total liability is limited to what you paid in the twelve months before the claim.

Termination

You can stop using the product at any time. We may end an account that breaches these terms. On termination you can export your data — see the privacy policy for how long it is kept.

Governing law

These terms are governed by the laws of the State of California, United States, and disputes are heard in the state or federal courts of San Diego County, California.

Changes

We may update these terms. Material changes are announced by email before they take effect, and the date at the top of this page always reflects the current version.

Owner Math is operated by TBG Strategic Consulting LLC. Questions about this page: [email protected].