No. The download starts right away, with no account, no email, and no watermark.
Do the totals add up automatically in Word?
No. Word is a document, not a spreadsheet, so you type the totals in yourself. If you would rather have the maths done for you, use the Excel template or the free online generator.
Can I restyle it with my own branding?
Yes. It is an ordinary Word document, so you can change the fonts, colours, and layout, and drop in your logo.