📝 Simple summary: Use Budget Planner freely and responsibly. The tool is for personal finance guidance only — not professional financial advice.
1. Acceptance of Terms
By accessing or using Budget Planner ("the Tool"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Tool.
2. What Budget Planner Is
Budget Planner is a free, browser-based personal finance tool designed to help individuals understand and manage their monthly budget. It uses the 50/30/20 budgeting framework as a guideline.
The Tool is intended for personal, non-commercial educational use.
3. Not Financial Advice
Budget Planner is not a licensed financial advisor, investment advisor, or tax consultant. All calculations, scores, suggestions, and chat responses are for general guidance and educational purposes only.
Do not make major financial decisions — investments, loans, insurance — based solely on this tool. Always consult a qualified financial professional for personalized advice.
4. Accuracy of Information
While we strive to provide helpful and accurate budgeting guidance, Budget Planner makes no guarantees about the accuracy, completeness, or suitability of any information provided.
The 50/30/20 rule and other guidelines are general frameworks that may not apply to every individual's unique financial situation.
5. Your Data & Responsibility
All data you enter is stored only in your browser's Local Storage. You are responsible for the accuracy of information you enter. We have no access to your data and cannot be held responsible for data loss due to browser clearing, device changes, or other technical issues.
6. Free to Use
Budget Planner is offered completely free of charge. We reserve the right to introduce optional premium features in the future, but the core budgeting tool will always remain free.
7. Intellectual Property
The name Budget Planner™, its design, code, content, and features are the intellectual property of the Budget Planner team. You may not copy, redistribute, or create derivative works without explicit written permission.
8. Prohibited Use
- 🚫 Do not use the tool to provide financial advice to others for commercial gain
- 🚫 Do not attempt to reverse engineer or exploit the application's code for malicious purposes
- 🚫 Do not misrepresent the tool's outputs as certified financial or investment advice
9. Disclaimer of Liability
Budget Planner is provided "as is" without any warranties. We are not liable for any financial loss, damage, or adverse decisions made based on the use of this tool.
10. Changes to Terms
We may update these Terms at any time. Continued use of the Tool after changes constitutes acceptance of the new Terms. The "Last updated" date at the top reflects the most recent revision.
11. Governing Law
These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in India.
12. Contact
Questions about these Terms? Visit our Contact page.