1. Acceptance of Terms

By browsing this site, using our interactive tools, or downloading templates, you agree to comply with and be bound by these Terms and our Privacy Policy.

2. Educational Purpose Only

All materials are intended to help users model and organize personal cash flows. They do not constitute formal fiduciary, investment, or legal advice.

3. Use of Calculators and Templates

You are granted a revocable, non-exclusive license to use the calculators and templates for personal, non-commercial financial planning.

4. Intellectual Property

The design, logo, content, guides, and software code of My Real Budget are the exclusive property of My Real Budget and protected by international intellectual property laws.

5. Limitation of Liability

In no event shall My Real Budget be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our tools.

6. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the website following changes represents acceptance of updated terms.