Terms of service

These terms govern your use of moneyguidance.site (the "site"), published by The Budget Compass ("we", "us"). By using the site you agree to them. If you do not agree, please stop using the site.

#1. What this site is

The site publishes general financial education for a United States audience. It is an information resource and nothing more. It is not a financial advisory service, a brokerage, a lender, a bank, an insurance producer, a tax preparation service, a debt relief company, a credit repair organization or a law firm, and we do not hold ourselves out as any of those. We are not registered or licensed in any of those capacities in any jurisdiction.

Nothing on this site creates a client, advisory or fiduciary relationship between you and us. See our full disclaimer, which is incorporated into these terms.

#2. No advice, no reliance

Content on this site is general in nature and does not take account of your objectives, financial situation, tax position, jurisdiction or needs. It is not a recommendation to buy, sell, hold or apply for any product, security or service.

You are solely responsible for your own financial decisions. Before acting on anything you read here, you should verify the current position with the primary source and, where the decision matters, obtain advice from a qualified professional who is able to consider your specific circumstances.

#3. Accuracy and currency

We take considerable care with accuracy and cite primary sources throughout. However, rules, rates, limits, thresholds and products change frequently, and content may become out of date between reviews. Figures are stated as of the date shown on each page. We make no warranty that any content is complete, current or free of error, and we may change or remove content at any time without notice.

#4. Calculators and tools

The calculators on this site run in your browser and are illustrative learning tools. They use simplified models that ignore fees, taxes, promotional rates, variable rates, compounding conventions other than monthly, and lender underwriting rules. Their output is an estimate for educational purposes only and must not be relied upon as a quote, an offer, a projection of actual results, or the basis of a financial decision.

#5. Intellectual property

All content on this site — text, layout, design, code, calculators and graphics — is owned by The Budget Compass or used with permission, and is protected by copyright and other laws.

You may: read, print and share links to our pages freely; quote short extracts for review, comment, teaching or news reporting, with clear attribution and a link to the original page.

You may not, without our written permission: republish substantial portions of our content; copy guides in whole or in part onto another site, in print, or into a newsletter or app; use our content to train, fine-tune or ground a commercial machine learning model or generative service; scrape the site systematically; or present our content as your own or as the product of another organization.

#6. Acceptable use

You agree not to use the site to break any law; to attempt to gain unauthorised access to any system; to interfere with the site's operation; to introduce malicious code; to place an unreasonable load on the infrastructure through automated requests; or to misrepresent your affiliation with us.

#7. External links

The site links to third-party websites, principally government agencies and official publications, so that you can verify what we say. We do not control those sites, do not endorse them merely by linking, and are not responsible for their content, accuracy, availability or privacy practices. Visiting them is at your own risk.

#8. Advertising

The site is supported by third-party advertising. Advertisements are selected and served by advertising networks, not by us. The appearance of an advertisement is not an endorsement, recommendation or verification of the advertiser, its products or its claims, and we have no responsibility for the content of advertisements or for any dealing between you and an advertiser. Evaluate any advertised offer as carefully as you would any other.

#9. Disclaimer of warranties

The site is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement. We do not warrant that the site will be uninterrupted, secure or error-free.

#10. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, savings, data, goodwill or opportunity, arising out of or connected with your use of, or inability to use, the site or its content — including any decision you make in reliance on it — whether the claim is based in contract, tort, statute or otherwise, and whether or not we were advised of the possibility of such loss.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

#11. Indemnity

You agree to indemnify and hold harmless The Budget Compass and its contributors from any claim, loss, liability or expense arising from your misuse of the site or breach of these terms.

#12. Changes to these terms

We may revise these terms at any time by posting an updated version on this page with a new "last updated" date. Continued use of the site after a revision constitutes acceptance of it.

#13. Governing law and severability

These terms are governed by the laws applicable in the jurisdiction in which the publisher is established, without regard to conflict of law principles, and without depriving you of any mandatory consumer protection afforded by the law of your place of residence. If any provision is found unenforceable, the remainder continues in full effect.

#14. Contact

Questions about these terms: hello@moneyguidance.site.