Terms of Use
Last Updated: July 9, 2026
1. Introduction
Welcome to Budget Fact, available at budgetfact.com. These Terms of Use govern your access to and use of the Budget Fact website, including its articles, features, resources, and other content.
Budget Fact is an editorial website that publishes informational content about personal finance topics such as smart spending, debt management, saving, budgeting, financial decision-making, and future planning.
By accessing or using Budget Fact, you agree to these Terms of Use. If you do not agree with these Terms, please do not use the website.
2. Editorial and Educational Purpose
Budget Fact provides general educational and informational content. The website is designed to help readers better understand personal finance concepts, common money decisions, financial trade-offs, and practical planning topics.
Content on Budget Fact is not personalized financial, investment, legal, tax, accounting, or professional advice. Budget Fact does not know your full financial situation, goals, obligations, risk tolerance, or legal circumstances. You should consider your own circumstances and consult a qualified professional before making financial, legal, tax, investment, or other major decisions.
3. Use of the Website
You may use Budget Fact for personal, informational, and non-commercial purposes. You agree to use the website lawfully, responsibly, and in a way that does not interfere with the site’s operation, security, content, or other users.
You agree not to:
- misuse, damage, disrupt, or interfere with the website;
- attempt to gain unauthorized access to any part of the website, server, account, or system;
- scrape, copy, harvest, or extract website content or data through automated means without permission;
- reproduce, republish, modify, sell, or distribute Budget Fact content without prior written authorization;
- use the website for unlawful, misleading, harmful, or abusive purposes;
- submit false, inappropriate, infringing, or malicious content through any contact form or communication channel.
4. Intellectual Property
All content on Budget Fact, including articles, text, headings, graphics, logos, design elements, layout, and other website materials, is owned by Budget Fact or used with appropriate permission, unless otherwise stated.
You may view and read Budget Fact content for personal, non-commercial use. You may not copy, reproduce, republish, modify, distribute, display, sell, or exploit any content from the website without prior written permission, except where permitted by applicable law.
All trademarks, service marks, logos, and brand names appearing on the website belong to their respective owners.
5. User Submissions and Communications
If you contact Budget Fact, submit a question, send feedback, or provide other information, you are responsible for ensuring that your submission is accurate, lawful, and does not violate the rights of others.
By submitting content or communications to Budget Fact, you grant Budget Fact permission to review, respond to, and use the submission for website operation, editorial consideration, communication, or improvement purposes, subject to the Privacy Policy and applicable law.
Budget Fact is not required to publish, respond to, or act on any submission.
6. Advertising, Affiliate Links, and Third-Party Offers
Budget Fact may display advertisements, sponsored placements, affiliate links, or other third-party promotional content where applicable. If Budget Fact includes affiliate links, the site may earn a commission when readers click a link and make a qualifying purchase or take another qualifying action, at no additional cost to the reader.
Advertising, affiliate links, or sponsored references do not constitute financial advice, endorsement of a reader’s specific decision, or a guarantee of any product, service, or outcome.
Readers should review third-party terms, privacy policies, fees, conditions, and suitability before engaging with any external product, service, or offer.
7. Third-Party Links and Resources
Budget Fact may include links to third-party websites, tools, resources, services, articles, or offers for reader convenience or additional context. Budget Fact does not control third-party websites and is not responsible for their content, accuracy, availability, privacy practices, policies, products, or services.
The inclusion of a third-party link does not necessarily mean Budget Fact endorses, sponsors, or is affiliated with that third party.
8. Accuracy of Information
Budget Fact aims to publish clear, useful, and reliable editorial content. However, financial topics can change over time, and information may become outdated, incomplete, or inaccurate due to changes in laws, rates, products, policies, fees, economic conditions, or other factors.
Budget Fact does not guarantee that all content will always be current, complete, error-free, or suitable for your specific circumstances. Readers are encouraged to verify important information before making decisions.
9. No Guarantees
Budget Fact does not guarantee any financial outcome, savings result, debt reduction result, investment performance, credit outcome, approval, eligibility, or future financial condition based on use of the website or reliance on its content.
Any examples, explanations, or scenarios are provided for general informational purposes and may not apply to every reader.
10. Disclaimer of Warranties
Budget Fact is provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, Budget Fact makes no warranties or representations about the website’s availability, accuracy, reliability, security, completeness, or suitability for any particular purpose.
Budget Fact does not warrant that the website will operate without interruption, errors, security issues, viruses, or technical problems.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Budget Fact, its contributors, affiliates, service providers, and related parties will not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from or related to your use of, or inability to use, the website or its content.
This includes, without limitation, damages related to financial decisions, reliance on information, website interruptions, technical issues, third-party links, advertising, affiliate offers, or external websites.
Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.
12. Indemnification
You agree to defend, indemnify, and hold harmless Budget Fact, its contributors, affiliates, service providers, and related parties from and against any claims, losses, liabilities, damages, costs, or expenses arising from your misuse of the website, violation of these Terms, violation of applicable law, or infringement of any rights of another person or entity.
13. Website Changes and Availability
Budget Fact may update, modify, suspend, or discontinue any part of the website at any time without notice. This may include changes to articles, categories, features, design, availability, advertising, or other site elements.
Budget Fact is not responsible if any part of the website is unavailable at any time.
14. Changes to These Terms
Budget Fact may update these Terms of Use from time to time. When updates are made, the “Last Updated” date at the top of this page will be revised.
Your continued use of Budget Fact after changes are posted means you accept the updated Terms. If you do not agree with the updated Terms, you should stop using the website.
15. Governing Law and Jurisdiction
The specific governing law and jurisdiction for Budget Fact have not been provided. Before publication, Budget Fact should confirm the appropriate legal jurisdiction for the website operator.
Until that information is confirmed, these Terms are intended to apply to the fullest extent permitted by applicable law. Nothing in these Terms is intended to limit any rights you may have under laws that apply to you.
16. Contact Us
If you have questions about these Terms of Use, contact Budget Fact at:
Email: info@budgetfact.com
By using Budget Fact, you acknowledge that you have read, understood, and agreed to these Terms of Use.