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This template is for personal finance tracking purposes only. It should not be taken as constituting professional financial advice, and GENIUSHEETS disclaims any responsibility for the outcomes of your financial decisions. GENIUSHEETS is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the template relates to your unique circumstances. The template should not be taken as a substitute for professional advice. It is each user’s responsibility to set up and maintain the template correctly to ensure accuracy. By using this template, you agree that it is your responsibility to verify its accuracy and appropriateness for your specific situation. If in doubt, please consult a professional. Please read our full End-user License Agreement for details.