Terms of Use & Disclaimer

1. Acceptance of Terms

By accessing or using FamilyBudgetCalc.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the Site. We may update these Terms from time to time without notice. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

2. Description of Service

FamilyBudgetCalc.com provides free, browser-based budget calculation tools, including but not limited to:

• Monthly household budget calculator
• 50/30/20 budget planner
• Zero-based budget calculator
• Sinking fund planner
• Debt payoff comparison tool
• Saved budget scenarios (local storage only)

All calculations are performed locally in your web browser. No data is transmitted to or stored on our servers.

3. No Financial Advice Disclaimer

The content, calculations, and tools provided on this Site are for informational and educational purposes only and do not constitute:

• Financial advice, planning, or counseling
• Investment advice or recommendations
• Legal advice of any kind
• Tax advice or preparation services
• A substitute for professional financial consultation

All budget calculations are based on user-provided inputs and general financial guidelines (such as the 50/30/20 rule). Individual financial situations vary widely. The Site's outputs may not be suitable for your specific circumstances.

You should consult a qualified financial advisor, Certified Financial Planner (CFP), or tax professional before making any financial decisions based on the output of this Site.

4. Accuracy of Information

While we strive to ensure that all calculations and information on this Site are accurate, we make no warranties or guarantees regarding:

• The accuracy, completeness, or reliability of any calculation results
• The suitability of any budget recommendation for your personal situation
• The currentness of any external links or references
• That the Site will be error-free or uninterrupted

All calculations are provided "as is" and should be independently verified before reliance. Budget planning involves many factors beyond the scope of this tool. We recommend cross-checking results with a qualified professional.

5. Privacy and Data Storage

FamilyBudgetCalc.com does not collect, store, or transmit any personal or financial information to our servers. All data you enter (income, expenses, debt amounts, saved scenarios) is stored exclusively in your web browser's local storage on your own device.

• We have no access to your financial data
• Clearing your browser data will permanently delete saved scenarios
• We do not use cookies for tracking or advertising
• We do not integrate with any bank accounts or financial institutions

For full details, please see our Privacy Policy.

6. User Responsibilities

By using this Site, you agree to:

• Use the Site for lawful purposes only
• Not attempt to reverse-engineer, hack, or interfere with the Site's operation
• Not use the Site to process data on behalf of third parties as a commercial service without our written consent
• Understand that you are solely responsible for any financial decisions you make based on the Site's output
• Acknowledge that saved budget scenarios are your responsibility to back up (via CSV export)

7. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, icons, and software code, is the property of FamilyBudgetCalc.com and is protected by applicable copyright and trademark laws.

You may:

• Use the calculator tools for personal, non-commercial purposes
• Share links to the Site on social media or websites

You may not:

• Copy, reproduce, or redistribute the Site's code or design without permission
• Present any part of the Site as your own work
• Use the Site's name or logo in a manner that suggests endorsement without written consent

8. External Links

This Site may contain links to external websites (such as CFPB.gov, Federal Reserve, or other financial education resources). These links are provided for convenience and informational purposes only. We:

• Do not control the content of external sites
• Are not responsible for the accuracy or reliability of external content
• Do not endorse any products or services linked from this Site

Access external links at your own risk. We recommend reviewing the privacy policies and terms of any external site you visit.

9. Limitation of Liability

To the maximum extent permitted by law, FamilyBudgetCalc.com and its operators shall not be liable for any:

• Direct, indirect, incidental, or consequential damages arising from your use of the Site
• Financial losses or decisions made based on the Site's output
• Errors or omissions in calculation results
• Loss of data stored in your browser's local storage
• Interruption or unavailability of the Site for any reason

Your sole remedy for dissatisfaction with the Site is to stop using it. This limitation applies regardless of whether we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless FamilyBudgetCalc.com and its operators from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Site or your violation of these Terms.

11. Changes to the Site

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms at any time. The updated Terms will be posted on this page with a new "Last Updated" date.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and, where applicable, the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

13. Contact

If you have any questions about these Terms of Use, please contact us:

• By email: 18999737@qq.com