Are the other editions included?

No. This delivery contains only the separately sold Private Google Sheets Web App.

Is this official accounting or regulated software?

No. No interest, service charge or lending, no bank or e-wallet collection, no automatic reminders to members, no legal agreement or contract template, and no credit scoring or default enforcement of any kind.

Can I resell or share it?

No. The license permits internal use and customization for one business only.

Can a member hold two slots?

Yes. Set the slot count to two. They contribute double each cycle and appear twice in the payout order.

What if someone misses a contribution?

Simply do not record one. The cycle shows a shortfall and that member's ledger shows arrears until they pay.

Does it charge interest?

No. A paluwagan is not a loan. The workbook records contributions and payouts only.

Paluwagan PH - Private Google Sheets Web App

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Paluwagan PH - Private Google Sheets Web App — ShopLinks PH

Paluwagan PH - Private Google Sheets Web App

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How to Run a Paluwagan Without the Arguments About Who Paid

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