📋 Terms of Use

Last Updated: June 15, 2026

Please read these Terms of Use carefully before using SmartBudget. By accessing or using our website, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing and using SmartBudget, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our website.

2. Use of Calculators

All calculators and tools provided on SmartBudget are for informational and educational purposes only. The results are estimates based on the data you input and should not be considered as professional financial advice.

• We do not guarantee the accuracy of any calculation for your specific situation
• Always consult with a qualified financial advisor before making major financial decisions
• Interest rates, market conditions, and personal circumstances vary

3. No Financial Advice

SmartBudget is not a financial advisory service. The content on this site, including calculators, tips, and guides, is for general educational purposes only. We are not responsible for any financial decisions you make based on information from this site.

4. Intellectual Property

All content on SmartBudget, including text, graphics, logos, calculators, and code, is the property of SmartBudget and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

5. User Conduct

When using our site, you agree not to:

• Use the site for any illegal purpose
• Attempt to interfere with the proper functioning of the site
• Submit false or misleading information
• Reproduce, duplicate, copy, sell, or exploit any portion of the site without authorization

6. Disclaimer of Warranties

SmartBudget is provided "as is" without any warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or secure.

7. Limitation of Liability

In no event shall SmartBudget be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the site or reliance on any information provided.

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated date. Continued use of the site after changes constitutes acceptance of the new terms.

9. Governing Law

These terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

11. Indemnification

You agree to indemnify, defend, and hold harmless SmartBudget and its affiliates from any claims, damages, losses, or expenses arising out of your use of the site or violation of these terms. This includes but is not limited to legal fees, damages, and settlements resulting from your actions or content submitted through the site.

12. Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

13. Entire Agreement

These terms constitute the entire agreement between you and SmartBudget regarding your use of the site and supersede any prior agreements or understandings. No waiver of any provision of these terms will be effective unless in writing and signed by an authorized representative of SmartBudget.

10. Contact

For questions about these Terms of Use, please contact us.