Terms of Use
Please read these terms carefully before using our tools.

1. Acceptance of Terms

By accessing and using Budgeti-Scape (the "Website") and its financial calculators or tools (the "Services"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please refrain from using our Services.

2. No Financial Advice

3. Use of Services

The Services are provided "as is" and "as available." While we strive for high accuracy in our calculators, we do not guarantee that the results will be error-free or reflect the exact terms offered by financial institutions. Bank policies, interest rates, and fee structures change frequently and vary by lender.

4. Data Privacy & Financial Information

Budgeti-Scape is committed to your privacy:

• Spend Tracker: When you upload bank CSV files, your transaction data is processed on our secure servers to generate insights but is never stored. Once your session ends or the analysis is complete, the ephemeral data is cleared.
• Calculators: Any values entered into our calculators (loan amounts, interest rates, etc.) are processed during your active session and are not saved to our databases.
• Custom Tags: Any manual categorization or "tags" you create are stored locally in your browser's cache/memory and remain under your control.

5. Intellectual Property

All content on Budgeti-Scape, including logos, text, graphics, and the unique logic behind our calculators, is the property of Budgeti-Scape and is protected by copyright and intellectual property laws. You may use the tools for personal, non-commercial purposes only.

6. Limitation of Liability

Budgeti-Scape and its operators shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our Services, or any decisions made based on the calculations provided by our tools.

7. External Links

Our website may contain links to third-party websites. Budgeti-Scape is not responsible for the content or privacy practices of these external sites.

8. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Services signifies your acceptance of the updated terms.