Terms of Use

Acceptance of Terms

By accessing or using BudgetWise ("the Service"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the Service. We reserve the right to update these terms at any time. Continued use of the Service after changes are posted constitutes your acceptance of the revised terms.

Description of the Service

BudgetWise is a free, browser-based personal finance calculator that helps users apply the 50/30/20 budgeting framework to their income and expenses. The Service is provided for educational and informational purposes only. All calculations run entirely in your browser — no financial data is transmitted to or stored on our servers.

Permitted Use

You may use BudgetWise for your own personal, non-commercial budgeting and financial planning purposes. You agree not to:

• Use the Service in any way that violates applicable laws or regulations.
• Attempt to reverse-engineer, modify, or create derivative works based on the Service without permission.
• Use automated tools, bots, or scrapers to access or extract content from the Service.
• Misrepresent the outputs of BudgetWise as professional financial advice.
• Use the Service for any unlawful or fraudulent purpose.

No Account Required

BudgetWise does not require you to create an account or provide any personal information to use the Service. No financial data you enter is saved between sessions. When you close or refresh the browser tab, all data is cleared.

Not Financial Advice

The Service is an educational tool only and does not constitute financial, investment, tax, or legal advice. BudgetWise is not a licensed financial adviser, and no information provided by the Service should be relied upon as a substitute for professional financial guidance tailored to your personal circumstances. Please read our full Disclaimer for details.

Accuracy of Information

While we strive to keep tax rates, budgeting guidelines, and other information up to date, BudgetWise makes no warranties — express or implied — about the accuracy, completeness, or fitness for a particular purpose of any information or calculations provided. Tax legislation changes frequently, and estimates may not reflect your actual obligations. Always verify figures with official sources such as the ATO or IRS.

Intellectual Property

All content, design, text, and code comprising BudgetWise — including the BudgetWise name, logo, and visual identity — are the intellectual property of their respective owners and are protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from the Service without express written permission.

Limitation of Liability

To the fullest extent permitted by law, BudgetWise and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use the Service, including any reliance on information or calculations provided. The Service is provided "as is" without warranty of any kind.

Third-Party Links

The Service may contain links to third-party websites. These links are provided for convenience only. We have no control over the content, privacy practices, or terms of those sites and accept no responsibility for them. Linking to a third-party site does not constitute an endorsement.

Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia, without regard to conflict of law principles. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

Contact

If you have questions about these Terms of Use, please contact us at hello@budgetwise.com.au.