Terms of Service

1. Introduction

Welcome to Budget Happiness. Budget Happiness is a free financial calculator that helps you visualize potential savings and investment scenarios. It is provided for educational and informational purposes only and does not constitute financial, investment, tax, or legal advice.

What this service is

• A calculator and projection tool that runs entirely in your browser.
• Educational content to help you think through budgeting and saving decisions.
• An optional email signup for product updates and early access.

What this service is not

• We do not provide custodial, transactional, brokerage, or investment management services.
• We do not hold, transfer, or manage your money or assets.
• Projections are estimates, not guarantees of any future result.

2. Acceptance of Terms

By accessing or using our website, calculator, or content, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy and Disclaimers. If you do not agree to these terms, please discontinue use of the service immediately.

3. Eligibility

• You must be at least 18 years old, or the minimum legal age in your jurisdiction, to use the service.
• You must have the legal capacity to enter into a binding agreement.
• You agree to use the service only for lawful purposes.

4. Scope of Service

Budget Happiness provides the following, all for informational purposes only:

Calculator and projections

• Tools that model hypothetical savings and investment scenarios based on inputs you provide.
• All results are illustrative, presented “as is,” without any guarantee of accuracy or outcome.

Educational content

• General information to help you understand budgeting and saving concepts.
• You are responsible for conducting your own due diligence and seeking qualified professional advice.

Limitations

• Projections do not account for every factor (such as inflation, fees, or taxes) unless stated.
• Nothing in the service should be construed as professional, certified, or personalized advice.

5. User Responsibilities

Accurate information

• Provide accurate information when you contact us or request early access.

Independent decision-making

• Do not rely solely on our content or calculator for financial decisions.
• Consult a qualified professional before acting on any projection.

Compliance with laws

• Use the service in compliance with all applicable laws and regulations.

6. Prohibited Activities

While using Budget Happiness, you agree not to:

• Use the service for fraudulent, unlawful, or unauthorized purposes.
• Interfere with the functionality or security of the website (e.g. hacking, phishing, malware).
• Impersonate any person or entity, or misrepresent your affiliation with Budget Happiness.
• Reproduce, copy, or distribute our content without prior written consent.

7. Limitation of Liability

• We are not responsible for any financial losses incurred as a result of reliance on our calculator, projections, or content. All decisions are made at your own risk.
• All content and tools are provided “as is” without warranties of any kind, express or implied.
• We are not liable for interruptions, delays, or technical issues, nor for indirect, incidental, or consequential damages arising from your use of the service.

8. Privacy and Data Protection

Your financial inputs are processed entirely in your browser and are never transmitted to or stored on our servers. Details on what limited data we do collect are set out in our Privacy Policy.

9. Important Disclaimers

• Budget Happiness is not a financial advisor, broker, or registered investment professional. The service does not provide financial, investment, tax, or legal advice.
• Projections are hypothetical and based on assumptions that may not reflect real-world conditions. Markets change and past performance does not predict future results.
• See our full Disclaimers page for more detail.

10. Termination of Service

We reserve the right to suspend or terminate access for users who violate these Terms or engage in prohibited activities. You may stop using the service at any time. Any data you have shared with us (such as an email address) will be handled in accordance with our Privacy Policy.

11. Revisions and Updates

We may modify these Terms from time to time to reflect changes to the service or legal requirements. Updated terms will show a revised effective date at the top of this page, and your continued use of the service constitutes acceptance of the revised terms.

12. Contact Information

Questions about these Terms? Contact us at legal@budgethappiness.com.