Is it ok to take a excel spreadsheet that is not copyrighted and take some of the calculations and turn it into a software? The spreadsheet basically tells people based on their income and expenses what different loan programs they qualify for for their new mortgage if they wanted one. It also does some of the debt to income rations and tells you at what interest rate you qualify for. The spreadsheet it free to download off a company website right there on one of the pages. Is this ok if I take it and turn some of the features into a software? Isnt this what happens with all software programs? Thank you.