Personal use
Use the file for yourself: your resume, your invitations, your own planner. You may not use it for a client or in anything you sell.
Commercial use
Use the file for your business or for your clients: websites, presentations, marketing, documents you send. You may not resell or share the file itself.
Extended licence
Use the file in products you sell, where the file is part of the value: printed goods, packaging, merchandise, templates for your own customers.
What no licence allows
Reselling, sharing or giving away the original file, or claiming it as your own work.