Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of EverydayBudd's website, calculators, tools, and content (collectively, the "Services"). By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Services

EverydayBudd provides free online calculators and educational content for:

• Financial planning (salary, mortgage, investment, tax calculators)
• Mathematical computations
• Scientific calculations
• Health and fitness metrics
• Everyday practical tools
• Educational blog articles and guides

All Services are provided free of charge with no registration required.

3. Disclaimer of Professional Advice

By using our calculators and tools, you acknowledge that you understand this disclaimer and will seek professional guidance for important financial, legal, or medical decisions.

4. Accuracy of Information

We strive to provide accurate and up-to-date information, but:

• Tax rates, regulations, and financial rules change frequently
• Calculators provide estimates based on the information you provide
• Results may vary based on individual circumstances
• We do not guarantee the accuracy, completeness, or timeliness of any information

You are responsible for verifying all calculations and information before making any financial decisions.

5. User Responsibilities

When using EverydayBudd, you agree to:

• Use the Services for lawful purposes only
• Not attempt to interfere with, disrupt, or damage the Services
• Not use automated systems (bots, scrapers) to access the Services excessively
• Not reverse engineer, decompile, or attempt to extract source code
• Not misrepresent your affiliation with EverydayBudd
• Verify all calculation results independently

6. Intellectual Property Rights

All content, features, and functionality on EverydayBudd are owned by us or our licensors:

7. Limitation of Liability

• Errors or inaccuracies in calculation results
• Financial losses resulting from use of our Services
• Decisions made based on information from our website
• Interruptions or unavailability of Services
• Data loss or security breaches (though we don't store your data)
• Third-party content or external links

You use EverydayBudd at your own risk. We provide the Services "as is" without warranties of any kind, express or implied.

8. External Links and Third-Party Content

Our website may contain links to external websites and third-party resources. We are not responsible for the content, accuracy, or practices of these external sites. Clicking on external links is at your own risk, and you should review the terms and privacy policies of any third-party sites you visit.

9. Modifications to Services

We reserve the right to:

• Modify, suspend, or discontinue any part of the Services at any time
• Update calculation formulas to reflect current regulations
• Add or remove features without notice
• Change these Terms of Service (with notice via the "Last Updated" date)

Your continued use of the Services after changes constitutes acceptance of the new Terms.

10. Indemnification

You agree to indemnify and hold harmless EverydayBudd, its operators, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use or misuse of the Services
• Your violation of these Terms
• Your violation of any rights of another party
• Financial decisions made based on our calculators

11. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of the Services shall be resolved through:

1. Good faith negotiation between the parties
2. Mediation if negotiation fails
3. Binding arbitration or court proceedings as a last resort

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Contact Information

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

14. Summary