Terms of Service

1. Acceptance of Terms

By accessing and using the Budget Planner platform ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Budget Planner for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modifying or copying the materials
• Using the materials for any commercial purpose or for any public display
• Attempting to decompile or reverse engineer any software contained on the Service
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or "mirroring" the materials on any other server

3. Financial Disclaimer - IMPORTANT

Important Disclosures:

• No Professional Relationship: Using our calculators does not establish a financial advisor-client relationship or any professional relationship with Budget CalcPro.
• Educational Purpose Only: All tools and information are provided for educational purposes to help you understand financial concepts and make informed decisions.
• Results May Vary: Calculator results are estimates based on the inputs you provide. Actual results may differ significantly based on market conditions, personal circumstances, and other factors.
• Consult Professionals: Before making any financial decisions, including but not limited to investments, loans, insurance, tax planning, or retirement planning, you should consult with qualified professionals such as a financial advisor, tax professional, attorney, or accountant.
• Past Performance: Historical financial data and projections are not guarantees of future results.
• Market Risks: All investments carry risk, including potential loss of principal. Market conditions change, and past performance does not guarantee future results.
• Your Responsibility: You are solely responsible for your financial decisions and their consequences. Budget CalcPro is not liable for any financial losses or damages resulting from the use of our calculators or information.

4. General Disclaimer

The materials on Budget Planner are provided on an 'as is' basis. Budget Planner makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

5. Limitations

In no event shall Budget Planner or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Budget Planner, even if Budget Planner or a Budget Planner authorized representative has been notified orally or in writing of the possibility of such damage.

6. Accuracy of Materials

The materials appearing on Budget Planner could include technical, typographical, or photographic errors. Budget Planner does not warrant that any of the materials on its website are accurate, complete, or current. Budget Planner may make changes to the materials contained on its website at any time without notice.

7. Links

Budget Planner has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Budget Planner of the site. Use of any such linked website is at the user's own risk.

8. Modifications

Budget Planner may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

9. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United States, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

10. Subscription Terms

Premium subscriptions are billed on a recurring basis. You will be charged on a monthly or annual basis depending on your selected plan. Your subscription will automatically renew unless you cancel it or we cancel it. You must cancel your subscription before it renews in order to avoid being charged for the next billing period.

11. Contact Information

If you have any questions about these Terms of Service, please contact us through the contact information provided on our website.