Terms of Use

Effective November 10, 2026

Who we are

examinedlife.us (the "Site") is operated by Punchline Cards, LLC of Oklahoma City, Oklahoma ("we," "us"). By buying from the Site or checking the box at checkout, you agree to these Terms. If you don't agree, please don't use the Site.

What you're buying

Our products are digital files: spreadsheets (.xlsx), fillable PDF organizers and fillable PDF guides. Nothing is shipped. After payment, you can download your files from the confirmation page and from the links we email you. You must be at least 18 years old to make a purchase.

Your license

When you buy a product, we grant you a personal, non-exclusive, non-transferable license to download, use, fill in and modify it for your own personal, household or own-business use, and to print copies for that use. You may share a filled-in copy with your own advisors, family members, executor or lender.

You may not resell, share, upload, sublicense or distribute the files or any blank or template version of them, offer them as part of another product or template, or remove our copyright notices. The files, their layout, formulas and text are owned by Punchline Cards, LLC and protected by copyright.

Not professional advice

Our products organize information and perform calculations based on what you enter. They are not legal, tax, accounting, investment, lending or real estate advice, and they are no substitute for a professional who knows your situation. Calculations are estimates; your lender's, tax preparer's or adviser's figures control. Tax categories are provided for convenience and may not fit every situation or reflect later changes in law.

Our guides summarize laws, forms, agency rules and common practices as of the date stated in each guide, mostly for Oklahoma. Laws, forms, fees and deadlines change, and the guides are not medical advice or a substitute for an attorney, physician or the official source. Confirm anything time-sensitive with the agency or professional involved.

The Just in Case Estate & Life Organizer is not a will, trust, power of attorney, advance directive or any other legal instrument, and filling it in does not create, revoke or change one. Those documents must meet the legal requirements of your state. Consult an attorney licensed in your state.

Prices and payment

Prices are in U.S. dollars and shown before checkout. Payments are processed by Stripe; we never see or store your full card number. Promo codes have no cash value, are limited to one per order and may expire or be withdrawn.

Refunds

Because files are delivered instantly, sales are final except where the law requires otherwise. If a file is defective, won't open in a supported program, or doesn't match its description, email help@punchlinecards.com within 30 days of purchase and we'll fix it or refund you.

Your information and files

Information you type into a downloaded file stays in that file on your device; we don't receive it. Please keep your filled-in files somewhere secure. Our Privacy Policy explains what we collect when you buy.

Disclaimers

The products and Site are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement, and we don't warrant that calculations will be error-free or suit your purpose. You are responsible for checking results before relying on them.

Limitation of liability

To the fullest extent the law allows, we won't be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data or opportunities, arising from the products or the Site. Our total liability for any claim is limited to the amount you paid for the product involved.

Governing law

These Terms are governed by the laws of the State of Oklahoma and applicable federal law, without regard to conflict-of-law rules. Any dispute relating to the Site, a product or these Terms will be brought only in the state or federal courts located in Oklahoma County, Oklahoma, and you consent to the jurisdiction of those courts. Either party may bring an individual claim in small claims court instead.

Changes and contact

We may update these Terms; the version in effect when you buy applies to that purchase. Questions: help@punchlinecards.com.