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Macros Required - Budget Tool Business Excel 30

This software uses macros and has been digitally signed.

Macros must be enabled for the software to function.

To adjust macro security levels from Excel go Tools, Macro, Security, Security Level. It is
recommended that you select Security Level as Medium. When you open software with macros and
Security Level is set as Medium you are presented with a message advising that the software contains
macros with a prompt to Disable or Enable Macros

If macros are disabled you cannot access the Input Sheet.

You should close this software and reopen, do not disable macros.

Additional detail on macros is available in Microsoft Excel Help.

By proceeding you acknowledge acceptance of our


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Copyright © Bizpep 2010 - www.bizpeponline.com.
Welcome
Budget Tool Business Excel 30
Initial input is in blue cells on the Input Sheet. Use the tabs at the bottom of the window to select the Input
Sheet. Non-input cells are protected to maintain formula integrity.
Software licensed to
Not Licensed, Evaluation Mode.
In Evaluation Mode the software is reset on close.
Payment is required to register and fully enable software.
For Software Support and additional Business Support Software visit:
www.bizpeponline.com

Order Now for immediate online delivery and receive a 30 day money back guarantee for just:
US$69.00
Single User Non-Commercial License - Multi-user licenses attract a 30% discount.
Secure online payment is available at:
http://www.bizpeponline.com/BudgetToolReg.html

As soon as your transaction is completed you will receive Registration Details by return email.
When you have your Registration Details click here.

This will register and fully enable your software.

Software which is not correctly licensed exposes individuals and business to serious risk.
by proceeding you acknowledge acceptance of our Terms and Conditions.

Copyright © Bizpep 2010 - www.bizpeponline.com.


Input - Budget Tool Business Excel 30
Blue cells require input. Yellow cells may be overwritten if desired. For instructions
place your mouse over the red markers or view the Instruction Sheet.
### BK
Budget Title BT
B T YTD Rem FY B T
Show Details Show Year
Valu Percentag

Categori
es Base & Growth
es
es Revenue
Include Current Current Current Current
Copy to New Sheet Year YTD Mths Mths Left Full Year YT
12 0
Delete Selection Delete Sheet Reset

Add a Revenue Category

Add a Revenue Line


Title Revenue RA
RI
Total Revenue 0 0 0 RAT
Add Variable Cost Category
Percent
Moneta
Add a Variable Cost Line
ry
Title Variable Costs VA
VI
Total Variable Costs 0 0 0 VAT

Add Fixed Cost Category

Add Fixed Cost Line


Title Fixed Costs FA
FI
Total Fixed Costs 0 0 0 FAT
Profit/Surplus 0 0 0 PAT
T
###
### Example New Sheet
B T M M M M M
Apr-10 May-10 Jun-10 Jul-10 Aug-10
Title Revenue
Product Sales 11,568 12,678 14,644 15,025 15,406
Percent of Year 6.5% 7.2% 8.3% 8.5% 8.7%
Service Income 15,424 16,904 19,525 20,033 20,541
Percent of Year 6.5% 7.2% 8.3% 8.5% 8.7%

Total Revenue 26,991 29,581 34,168 35,058 35,947


Percent of Year 6.5% 7.2% 8.3% 8.5% 8.7%
Title Variable Costs
Product Costs 5,776 6,330 7,312 7,502 7,693
Percent of Month 21.4% 21.4% 21.4% 21.4% 21.4%
Service Costs 8,252 9,043 10,446 10,718 10,990
Percent of Month 30.6% 30.6% 30.6% 30.6% 30.6%

Total Variable Costs 14,028 15,374 17,758 18,220 18,682


Percent of Month 52.0% 52.0% 52.0% 52.0% 52.0%
Fixed Costs
Administration 1,750 1,750 1,750 1,750 1,750
Percent of Month 6.5% 5.9% 5.1% 5.0% 4.9%
Salaries 4,375 4,375 4,375 4,375 4,375
Percent of Month 16.2% 14.8% 12.8% 12.5% 12.2%
Property Costs 3,500 3,500 3,500 3,500 3,500
Percent of Month 13.0% 11.8% 10.2% 10.0% 9.7%

Total Fixed Costs 9,625 9,625 9,625 9,625 9,625


Percent of Month 35.7% 32.5% 28.2% 27.5% 26.8%
Profit/Surplus 3,338 4,582 6,786 7,213 7,640
Percent of Month 12.4% 15.5% 19.9% 20.6% 21.3%
M M M M M M M Y
Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Full Year

16,664 17,066 17,469 13,168 13,465 12,778 17,070 177,000


9.4% 9.6% 9.9% 7.4% 7.6% 7.2% 9.6% 100.0%
22,219 22,755 23,292 17,558 17,953 17,038 22,760 236,000
9.4% 9.6% 9.9% 7.4% 7.6% 7.2% 9.6% 100.0%

38,883 39,822 40,761 30,726 31,418 29,816 39,830 413,000


9.4% 9.6% 9.9% 7.4% 7.6% 7.2% 9.6% 100.0%

8,321 8,522 8,723 6,575 6,723 6,381 8,524 88,382


21.4% 21.4% 21.4% 21.4% 21.4% 21.4% 21.4% 21.4%
11,887 12,174 12,461 9,393 9,605 9,115 12,177 126,260
30.6% 30.6% 30.6% 30.6% 30.6% 30.6% 30.6% 30.6%

20,208 20,696 21,184 15,969 16,328 15,496 20,700 214,642


52.0% 52.0% 52.0% 52.0% 52.0% 52.0% 52.0% 52.0%

1,750 1,750 1,750 1,750 1,750 1,750 1,750 21,000


4.5% 4.4% 4.3% 5.7% 5.6% 5.9% 4.4% 5.1%
4,375 4,375 4,375 4,375 4,375 4,375 4,375 52,500
11.3% 11.0% 10.7% 14.2% 13.9% 14.7% 11.0% 12.7%
3,500 3,500 3,500 3,500 3,500 3,500 3,500 42,000
9.0% 8.8% 8.6% 11.4% 11.1% 11.7% 8.8% 10.2%

9,625 9,625 9,625 9,625 9,625 9,625 9,625 115,500


24.8% 24.2% 23.6% 31.3% 30.6% 32.3% 24.2% 28.0%
9,050 9,501 9,952 5,132 5,464 4,695 9,505 82,858
23.3% 23.9% 24.4% 16.7% 17.4% 15.7% 23.9% 20.1%
BK
BT
B T
YT
RA
RL
RLP
RL
RLP
RI
RAT
RLP
VA
VL
RLP
VL
RLP
RI
VAT
RLP
FA
FL
RLP
FL
RLP
FL
RLP
RI
FAT
RLP
PAT
RLP
T
Example New Sheet
45,000

40,000

35,000

30,000

25,000

20,000 Row 11 Row 31

15,000

10,000

5,000

0
Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11
Example New Sheet
Instructions - Budget Tool Business Excel 30
Overview
Outline The Budget Tool Business provides a streamlined and effective means to generate a budget for
up to five years. Full flexibility allows you to add Revenue, Variable Cost and Fixed Cost
categories and lines to suit any business. Operation is via an easy to use toolbar and function
buttons. The budget can be displayed in any combination of month, quarter, or year. Change
indicators provide means to adjust revenue and costs year on year with initial default values
applied to minimize input requirements and simplify use. Full what if and sensitivity analysis is
available by varying the Change indicators. Budgets can be freely formatted for printing and
graphing. The Budget Tool Business is suitable for both existing and proposed businesses.
Additional business support software and details are available at the Bizpep Online Web Site:

Contact Details For questions, suggestions, support or additional business software please visit:
http://www.bizpeponline.com/
Input
All input is on the Input sheet. Blue cells require input. Yellow cells may be overwritten if desired. Place your mouse over the
red markers on the Input sheet for details. Following is a Step by Step outline and function details. Functions are activated
by buttons and check/option boxes. Toggle between sheets using the tabs at the bottom of the window.

Step 1 - Set Up Input an identifier for your budget in the Budget Title cell. To build your budget you require base
revenue and cost data. If you are budgeting for an existing business this can be current profit and
loss details. If you are budgeting for a new venture you require estimates for fixed costs and
variable costs. If your base data only covers a portion of a year input the number of months the
data applies for in in blue cell below YTD Months. Data for the remaining months will be
calculated. If you are using data for a full year input 12 in the blue cell below YTD Months. To
remove added lines select the line to delete and use Delete Selection. To start a new budget use
Reset.

Step 2 - Revenue To add base revenue select a row within the revenue area and click Add a Revenue Line or Add a
Revenue Category. Name the revenue and input the base value. You can add as many revenue
categories or lines as you require.
Step 3 - Variable Variable costs can be input as monetary values or percentages of revenue. Select you desired
Costs input in the Input Set for box. If you select Input Set for Percent you must also select Percentages
in the Show Details box. To add base variable costs select a row within the costs area and click
Add a Variable Cost Line or Add a Variable Cost Category. Name the variable cost and input the
base value. You can add as many variable cost categories or lines as you require.

Step 4 - Fixed Costs To add base fixed costs select a row within the costs area and click Add a Fixed Cost Line or Add
a Fixed Cost Category. Name the fixed cost and input the base value. You can add as many fixed
cost categories or lines as you require.
Step 5 - Forecast To build your budget for following years select year 1 in the Show Year box. Then for Year 1
Data select Change and Months. Input the first month for your budget. In the Change column blue cells
input your default increase / decrease (Inc/Dec) for revenue, variable costs, and fixed costs to
indicate the percentage change year on year. For variable costs this percentage change applies to
the variable cost percentage of revenue. For revenue and fixed costs it applies to the value. For
the first 11 months in Year 1 input a percentage by month value (% by Mth) in the blue cells to
indicate the percentage of annual revenue each month contributes.

Step 6 - Refine The values in your Inc/Dec and % by Mth cells are applied as defaults to generate a full five year
budget. For each individual revenue or cost line you can over write the default value. All yellow
cells can be adjusted as required. Once you have completed your budget Copy to New sheet to
save. This will display your budget with all the level of detail you currently have on show and will
include current year data if selected. This sheet includes values and formula allowing further
adjustments if required. You can then plot the revenue and profit levels for the displayed view and
print as required.

Budget Identifier Input an identifier for your budget.


Yellow Labels You can change the default labels in yellow cells if desired.
Number of Months Input the number of months that you have data for. If you have revenue and expense data for 6
months input 6 in this cell. Then input your data in this column. If you input less than 12 data for
the remaining year will be calculated. To use your own full year data set this cell to 12 and input
your full year data in this column. To build a budget for a new business set this cell to 12 and input
projected revenue for your first month multiplied by 12 to set a base point. Year 1 revenue will
grow monthly from this point according to the annual % Change Increase/Decrease you apply.
Input Variable Costs as a Monetary amount (12 x first month costs for a new business) or as a
Percent of revenue and input Fixed Costs for a full year.

Show Details Click the boxes to Show or Hide detail.


Show Year Click the boxes to Show or Hide detail.
Copy to New Sheet Copy to New Sheet will save your completed budget to an new sheet in the form of the current
layout. This may take a couple of minutes, increasing with the size of your budget.
1. Set the budget to the required display, i.e. Show Years, Percentages etc.
2. Select Include Current Year if you wish to include current year data.
3. Click Copy to New Sheet.
You will be asked to input a Sheet Name and your budget will be saved to this sheet.
From this sheet you can format and print as required. Blue cells indicate values that have been
pasted and can be changed, other cells include formulas and should not be changed. To Update
the Budget Chart with your New Sheet data select the New Sheet tab and then select the Budget
Chart tab. The Budget Chart Plots the Total Revenue and Profit for all data columns included in
the previously selected new sheet except the last column. The last column is usually full year data.
If you wish to plot full year data include a Variation column after the last full year data. You can
include you own charts by inserting them in the New Sheet.

Please note that the first column and the second column from the end of your budget will include
identifiers used in formula. These columns should not be modified. All required lines should be
added on the Input Base Data Sheet before you copy to the New Sheet. If you delete or add
columns or rows in the new sheet formulas may be corrupted. Formulas will also produce error
results when the source data columns are not included i.e. the variation formulas will not work if
the previous year is not included in the new sheet.

Delete Selection Select a cell in the Line or Category you wish to delete. Click Delete Selection. This will delete all
rows associated with the selected line or category. You can only delete rows that have been
added.
Delete Sheet Delete Sheet allows you to delete sheets that have been added using the Copy to New Sheet
function. It only removes added sheets.
Reset Reset removes all added detail and data, returning the Input Base Data sheet to its initial state.
Before a new budget is commenced Reset to clear previous data.
Add a Revenue Category Revenue
and Add a can
Revenue
be added
Linewithin categories or as individual lines. To define a revenue category
select a cell within the revenue area and click Add a Revenue Category. You can then name your
category and add additional revenue lines within it. If categories are not required select a cell
within the revenue area and click Add a Revenue Line.
For each revenue line input a title and a value for the Current Year, Year to Date. The number of
months for the Year to Date must be input in the blue cell at the top of the column.
Revenue Revenue for the each of the budget years consists of 2 components. Base Revenue, which is the
same as the previous year (no change year on year), and Growth Revenue, which is the
difference between the previous year and the budget year. Base Revenue is allocated to each
month according to its Percentage by Month (% by Mth). The default value assumes all months
contribute equal revenue giving 8.3333% (1/12) for all months. This is unlikely as the revenue of
most businesses tends to vary due to seasonal influences such as weather, holiday periods, etc.
You should adjust these values to reflect monthly revenue variations in your business.

The amount of Growth Revenue is determined by the revenue Increase/Decrease (Inc/Dec)


percentage applied. Growth Revenue is distributed across the months by considering the
Percentage by Month and the Compounding Growth Affect. If you secure one new customer a
month to generate your Growth Revenue then in month 1 you have Growth Revenue from one
new customer, in month 2 you have Growth Revenue from 2 new customers (the customer
secured in month 1 and the customer secured in month 2). This Compounding Growth Affect is
adjusted by the Percentage by Month to calculate the amount of Growth Revenue allocated to
each month. Imagine the Percentage by Month for month 2 is half that of month 1 due to seasonal
factors halving the number of customers in month 2. The average number of new customers you
could secure in month 2 will also be halved by this downturn in demand resulting in a decrease in
the amount of Growth Revenue that can be secured.
Add a Variable Cost Category,
Variable
Addcosts
a Variable
vary with
costrevenue.
Line, andOnly
Input
include
Set forthese costs in this area. Input for variable costs
can be as a percentage of revenue (Percent) or a monetary amount (Monetary). To apply your
required input select either Percent or Monetary. If you select Percent you must also select
Percentages in Show Details so you can input your percentage data.
Variable costs can be added within categories or as individual lines. To define a variable cost
category select a cell within the variable cost area and click Add a Variable Cost Category. You
can then name your category and add additional variable cost lines within it. If categories are not
required select a cell within the variable cost area and click Add a Variable Cost Line.
For each variable cost line input a title and a value for the Current Year, Year to Date.
Variable Costs Variable cost amounts are calculated as a percentage of revenue for the corresponding period.
During a year variable cost values vary with revenue but their percentage remains constant.
Increase / Decrease (Inc/Dec) percentages apply to the variable cost percentage not the variable
cost amount. For example if current revenue is $100, and variable costs are $40 or 40%. For the
following year I set the revenue Inc/Dec to 100% (doubling revenue to $200) and I set the variable
cost Inc/Dec to 50%. This increases the variable cost percentage to 60% giving a variable cost
value of $120 (60% of $200).
Add Fixed Cost Category Fixed
and Add
costs
Fixed
remain
Costconstant
line (up to a point) regards of revenue variations. Only include these costs
in this area.
Fixed costs can be added within categories or as individual lines. To define a fixed cost category
select a cell within the fixed cost area and click Add a Fixed Cost Category. You can then name
your category and add additional fixed cost lines within it. If categories are not required select a
cell within the variable cost area and click Add a Fixed Cost Line.
For each fixed cost line input a title and a value for the Current Year, Year to Date. The number of
months for the Year to Date must be input in the blue cell at the top of the column.
Fixed Costs Fixed cost values are constant during the year they do not vary with revenue. Monthly fixed cost
values are calculated as 1/12 of annual fixed costs
Increase / Decrease (Inc/Dec) percentages apply to the fixed cost value. For example if current
fixed costs are $50 and for the following year I set the fixed cost Inc/Dec to 10% fixed costs will
increase to $55 regardless of revenue.
Profit/Surplus Profit/Surplus is Revenue less Variable Costs less Fixed Costs.
Inc/Dec Revenue Input a Revenue Increase / Decrease (Inc/Dec) percentage for the year. This is the percentage
change in revenue year on year.
For example if Current Year revenue is $100 and revenue Inc/Dec is set to 20%. Revenue for
Year 1 will be $120. This will consist of $100 Base Revenue distributed according to the
Percentage by Month (% by Mth) and $20 Growth Revenue distributed according to the
Percentage by Month and the Compounding Growth Affect.
Year 1 revenue Increase / Decrease percentages are applied as default values to all added Year
1 revenue lines and as the default for following years. You can overwrite these if desired.
Inc/Dec Variable Costs Input a Variable Cost Increase / Decrease (Inc/Dec) percentage for the year. This applies to the
variable cost percentage not the variable cost value.
For example if current revenue is $100, and variable costs are $40 or 40%. For the following year
I set the revenue Inc/Dec to 100% (doubling revenue to $200) and I set the variable cost Inc/Dec
to 50%. This increases the variable cost percentage to 60% giving a variable cost value of $120
(60% of $200).
Year 1 variable cost Increase / Decrease percentages are applied as default values to all added
Year 1 variable cost lines and as the default for following years. You can overwrite these if
desired.
Inc/Dec Fixed Costs Input a Fixed Cost Increase / Decrease (Inc/Dec) percentage for the year. This applies to the fixed
cost value.
For example if current fixed costs are $50 and for the following year I set the fixed cost Inc/Dec to
10% fixed costs will increase to $55 regardless of revenue.
Year 1 fixed cost Increase / Decrease percentages are applied as default values to all added Year
1 fixed cost lines and as the default for following years. You can overwrite these if desired.
Budget Start Month Input the first month for your budget in month year format (e.g. Apr 01).
Budget following Months Month Cells are calculated as the previous month plus 31 days. Year 1 month labels are applied
to all following years. You can overwrite these cells if desired.
% by Month For the first 11 months of the year input the Percentage by Month (% by Mth) to indicate the
percentage of annual revenue each month would provide if there was no revenue growth. The
percentage for the 12th month of the year is calculated to ensure the annual total is 100%. Use
the 12th month percentage as a check on your inputs. The initial value is 8.3% (1/12) for all
months.
% by Month

Year 1 Percentage by Month values are applied as default values to all added revenue lines and
following years. You can overwrite these if desired.
Copyright © Bizpep 2010 - www.bizpeponline.com.
Terms and Conditions
Budget Tool Business Excel 30
Software licensed to
Not Licensed, Evaluation Mode.
In Evaluation Mode the software is reset on close.
Payment is required to register and fully enable software.
by
Bizpep
Copyright © Bizpep 2010 - www.bizpeponline.com.
Build 20100128
For Software Support and additional Business Support Software visit:
www.bizpeponline.com

Order Now for immediate online delivery and receive a 30 day money back guarantee for just:
US$69.00
Single User Non-Commercial License - Multi-user licenses attract a 30% discount.
Secure online payment is available at:
http://www.bizpeponline.com/BudgetToolReg.html
As soon as your transaction is completed you will receive Registration Details by return email.

When you have your Registration Details click here.

This will register and fully enable your software.


Software which is not correctly licensed exposes individuals and business to serious risk.

1. Outline

The Budget Tool Business provides a streamlined and effective means to generate a budget for up to five
years. Full flexibility allows you to add Revenue, Variable Cost and Fixed Cost categories and lines to suit any
business. The budget can be displayed in any combination of month, quarter, or year. Change indicators
provide means to adjust revenue and costs year on year with initial default values applied to minimize input
requirements and simplify use. Full what if and sensitivity analysis is available by varying the Change
indicators. Budgets can be freely formatted for printing and graphing.

2. Scope

Conditions of use apply to all Bizpep services, software, and information presented. They cover all Bizpep
principles, employees, distributors and other associated parties.

Use acknowledges acceptance. Full copyright is maintained by Bizpep.

3. Evaluation

Software is provide free for Evaluation.


In Evaluation Mode the software is reset on close.
All added budget lines and New Sheets are deleted and cannot be saved.
Registering software removes the reset on close allowing data to be saved.
For software registered with a Non-Commercial License all other features including cell and macro protection
are the same as in evaluation software. All non-input cells and macros remain protected to ensure the integrity
of the formula and programming.
For software registered with a Commercial License an additional calculation sheet named Worksheet is
displayed and all calculation sheets are protected without a password. This allows them to be unprotected to
view the underlying formula and undertake minor refinements. All macros remain protected

4. Install / Uninstall

This software is in Microsoft Excel format. To run this software you must have Excel installed on your
computer and macros must be enabled.
If software is downloaded as a standard Compressed Zip file (with a .zip extension) it requires unzipping for
use. Trial Zip software is available free from www.winzip.com.
If software is downloaded as a Self-Extracting SetUp file (with a .exe extension) when you run the downloaded
file it will extract and install the Excel program.
Once you have extracted the Excel file you can run the software from the program icons or by simply opening
the Excel file.

No system files are changed when you use this software. To uninstall run the Uninstall program or simply
delete all associated files.

5. Purchase

Payment is required to register and fully enable software.


Order Now for immediate online delivery and receive a 30 day money back guarantee for just:
US$69.00
Single User Non-Commercial License - Multi-user licenses attract a 30% discount.

Payment is online at:


http://www.bizpeponline.com/BudgetToolReg.html

Upon receipt of payment Bizpep will provide by return email registration details to register the software.
Registering software removes the reset on close allowing data to be saved.
For software registered with a Non-Commercial License all other features including cell and macro protection
are the same as in evaluation software. All non-input cells and macros remain protected to ensure the integrity
of the formula and programming.
For software registered with a Commercial License an additional calculation sheet named Worksheet is
displayed and all calculation sheets are protected without a password. This allows them to be unprotected to
view the underlying formula and undertake minor refinements. All macros remain protected

6. License

Number of Licenses
The number of licenses you purchase is the maximum Number of Users and the maximum Number of
Computer Systems the purchased software can be installed on or that can access the software if on a
network.
If you purchase a single user license (Quantity set to 1) the software must only be accessible from one
computer and there must only be one user.
To run the software on more than one computer, a network, or provide for additional users you must purchase
a Multi-user license by setting the purchase quantity to the required number of user licenses.
Multi-user licenses attract a 30% discount.

Non-Commercial License
This license is for non-commercial private and internal business use only. It does not cover the commercial
use of software for inter-business support, advice, or consulting.
Registering software removes the reset on close allowing data to be saved.
All other features including cell and macro protection are the same in evaluation and registered Non-
Commercial software.
All non-input cells and macros remain protected to ensure the integrity of the formula and programming.

Commercial License
This license allows the commercial use of software for inter-business support, advice, or consulting.
Registering software removes the reset on close allowing data to be saved. It also provides authorization for
Commercial use.
Once you have registered your software with your Commercial license calculation sheets are protected without
a password. To unprotect a calculation sheet from the sheet go Review, Unprotect Sheet when using Excel
2007 or Tools, Protection, Unprotect Sheet when using Excel 97-2003. An additional calcualtion sheet named
Worksheet is also displayed and includes underlying formula and calculations. Unprotecting the sheets allows
you to view the underlying formula and undertake minor refinements. All non calculation sheets and macros
remain password protected. Any changes to formula may impact on the validity of the software. It is
recommended that you save a master copy to ensure you always have a valid version.
Source License
This license allows you to access and modify all software code including macros. For additional details please
submit your request at:
www.bizpeponline.com/ContactUs.html

7. Software Support

Bizpep offer support for operation and application of registered software. Simply submit your support request
at:
www.bizpeponline.com/ContactUs.html

8. Intellectual Property

Bizpep retain all intellectual property rights. It is prohibited to use the software, concepts, formats, and systems
obtained from Bizpep in any manner outside their intended use as designed and defined by Bizpep.

You may not modify, translate, reverse engineer, decompile, disassemble or create derivative works based on
Bizpep software, services or concepts.

9. Hold Harmless

Bizpep provide tools to support business. The specific suitability of these tools must be independently
assessed.
Services including software, concepts, formats, and systems are provided as is and with no warranties of any
kind, whether expressed or implied.
The user must assume the entire risk of using Bizpep software or services, and agrees to hold Bizpep
harmless from any claims or losses relating to service or software use.
In no event shall Bizpep, its principals, distributors, employees, or other associated parties, be liable for any
incidental, consequential, or punitive damages whatsoever relating to software or service use.
In addition use of software and services is entirely at the users risk, and use acknowledges that Bizpep is held
harmless from any claims or losses relating to software or services provided.

10. Distribution

You may freely distribute this software in Evaluation form without Registration Codes. Any software distributed
must require the user to provide payment to Bizpep to maintain the software as originally designed.

You may not sell or require payment in any form for Bizpep software. Evaluation software must be distributed
without cost or penalty to the user.

All rights of any kind which are not expressly granted are entirely and exclusively reserved to and by Bizpep.

11. Contact Details

For software support and to contact us please submit your request at:
www.bizpeponline.com/ContactUs.html
Additional business support software and online help are available at:
www.bizpeponline.com

Copyright © Bizpep 2010 - www.bizpeponline.com.

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