Terms of Service

By accessing or using Budget Folders (the "Service"), available at budgetfolders.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes your acceptance of the revised Terms. We will update the "Last Updated" date at the top of this page when changes are made.

Budget Folders provides free, browser-based financial calculators for educational and informational purposes. Our calculators cover topics including mortgage payments, loan amortization, investment projections, retirement planning, tax estimates, and budgeting.

All calculations are performed entirely within your browser. Budget Folders does not receive, store, or transmit any financial data you enter into our calculators.

The calculators, results, explanations, and all other content on Budget Folders are provided for educational and informational purposes only. Nothing on this site constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

Calculator results are estimates based on simplified models and the inputs you provide. They do not account for your complete financial situation, individual circumstances, applicable laws, or other factors that a qualified professional would consider.

You should not make financial, investment, tax, or legal decisions based solely on results from this Service. Always consult a qualified financial advisor, CPA, tax professional, or attorney before making significant financial decisions.

You may use Budget Folders for personal, non-commercial purposes. You may share links to our calculators and reference our content with attribution.

You may not: (a) copy, reproduce, or redistribute our calculators or source code without permission; (b) use automated tools to scrape or crawl the Service; (c) attempt to reverse-engineer or extract our proprietary logic; (d) use the Service in any way that violates applicable laws; (e) misrepresent the source or accuracy of calculator results.

We strive to ensure our calculators use standard, well-established financial formulas and reflect current tax laws and rates. However, we make no warranty that the calculations are accurate, complete, current, or suitable for any particular purpose.

Financial formulas can vary by institution, jurisdiction, and circumstance. Tax brackets, interest rate environments, and financial regulations change over time. Results should be verified independently before being relied upon.

If you believe a calculator contains an error, please contact us at [email protected].

The Budget Folders name, logo, website design, written content, and underlying calculator code are owned by Budget Folders and protected by applicable intellectual property laws.

You retain all rights to the data you enter into our calculators. Since we do not transmit or store that data, no license grant is necessary.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that results obtained from the Service will be accurate or reliable.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BUDGET FOLDERS AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, LOST PROFITS, OR LOST DATA.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Our calculators and educational content may include links to third-party websites such as the IRS, Consumer Financial Protection Bureau, or Federal Reserve. These links are provided for informational purposes only.

Budget Folders does not endorse and is not responsible for the content, accuracy, or privacy practices of third-party websites. You access third-party links at your own risk.

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at budgetfolders.com/privacy.

We reserve the right to suspend or terminate access to the Service for any user who violates these Terms, at our sole discretion and without prior notice.

We may also discontinue the Service or any part thereof at any time without notice. We will not be liable to you or any third party for any termination of access.

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration or in a court of competent jurisdiction.

If you have questions about these Terms, please contact us at [email protected].