Terms of Service

These Terms of Service (“Terms”) govern your access to and use of BudgetForge (the “site”), an independent publication operated by BudgetForge. By accessing or using the site, you agree to be bound by these Terms. If you do not agree, please do not use the site.

Use of the site

You may access the site and use our calculators and editorial content for your own personal or business purposes. You agree not to misuse the site, including by attempting to gain unauthorised access, disrupting its operation, scraping it at a scale that degrades service for others, or using it for any unlawful purpose. No account is required to use the calculators.

Calculators and informational content

Our calculators and articles are provided for general informational purposes only. They produce estimates based on the inputs and assumptions you choose, and they do not constitute financial, legal, tax, or professional advice. You are responsible for verifying any figure before relying on it, and you should seek qualified advice for your specific circumstances.

Embedding our calculators

You may embed our calculators on your own website using the snippets we provide, free of charge, provided you do not alter or obscure their functionality, misrepresent their origin, or use them in a manner that is unlawful or harmful. We may update or discontinue any calculator at any time.

Intellectual property

The site, its content, calculators, design, and the BudgetForge name and marks are owned by BudgetForge or its licensors and are protected by intellectual-property laws. Except for the embedding permission described above, you may not copy, reproduce, or create derivative works from our content without our prior written consent.

User submissions

If you send us content through our contact form or other channels, you grant us a non-exclusive, royalty-free licence to use it for the purpose of responding to you and improving the site. You are responsible for ensuring that anything you submit is lawful and does not infringe the rights of others.

Third-party links

The site may link to third-party websites and resources that we do not control. We provide these links for convenience and are not responsible for the content, products, or practices of any third-party site.

Disclaimers

The site is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including warranties of accuracy, merchantability, or fitness for a particular purpose, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, BudgetForge will not be liable for any indirect, incidental, or consequential loss, or for any loss of profits, data, or business arising from your use of, or inability to use, the site or its calculators. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

Indemnification

You agree to indemnify and hold BudgetForge harmless from any claims, losses, or expenses arising from your misuse of the site or your breach of these Terms.

Governing law

These Terms are governed by the laws of the European Union member state in which BudgetForge is established, without regard to conflict-of-law rules. This does not deprive you of the protection afforded by the mandatory consumer-protection laws of your country of residence.

Changes to these terms

We may revise these Terms from time to time. The “Updated” date above reflects the latest revision, and continued use of the site after changes take effect constitutes acceptance.

Contact us

Questions about these Terms? Please use our contact form and we’ll get back to you.