Terms & Conditions - BudgetAtlas

1. Agreement to Terms

By accessing and using BudgetAtlas ("the Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Service.

2. Description of Service

BudgetAtlas is a free, web-based budget planning tool that allows users to:

Create and manage monthly budget plans
Track income and expenses using predefined categories
Apply the 50/30/20 budgeting rule
Export budget reports as PDF files
Store budget data locally in their browser
Export and import budget data for backup purposes

The Service is provided "as is" and is designed as a forward-planning tool, not a transaction tracker or financial advisor.

3. No Account Required

BudgetAtlas does not require user registration or account creation. You can use the Service immediately without providing personal information. All budget data is stored locally on your device using browser localStorage.

4. Eligibility

You must be at least 13 years old to use BudgetAtlas. If you are under 18, you should have parental or guardian consent before using the Service.

5. User Responsibilities

When using BudgetAtlas, you agree to:

Use the Service for lawful purposes only
Not attempt to interfere with, disrupt, or compromise the Service
Not use automated scripts or bots to access the Service
Not attempt to reverse engineer or decompile any part of the Service
Backup your data regularly using the export feature (we do not store or backup your data)
Take responsibility for the accuracy of data you enter

6. Data Storage and Backup

Your budget data is stored exclusively on your device using browser localStorage. BudgetAtlas does not store, backup, or have access to your financial data. You are solely responsible for:

Creating backups of your budget data using the export feature
Maintaining the security of your device
Understanding that clearing browser data will delete your budgets
Understanding that we cannot recover lost or deleted data

7. No Financial Advice

BudgetAtlas is a budgeting tool only. It does not provide financial advice, investment recommendations, or professional financial services. The information and calculations provided by the Service are for planning purposes only and should not be considered as:

Financial, investment, or legal advice
A substitute for professional financial planning
Guaranteed accurate financial projections

Always consult with qualified financial professionals for personalized financial advice.

8. Intellectual Property

All content, features, and functionality of BudgetAtlas (including but not limited to text, graphics, logos, code, and software) are owned by BudgetAtlas and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without express written permission.

9. Disclaimer of Warranties

BudgetAtlas is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

Warranties of merchantability or fitness for a particular purpose
Warranties that the Service will be uninterrupted, error-free, or secure
Warranties regarding the accuracy or reliability of calculations
Warranties that your data will not be lost

10. Limitation of Liability

To the maximum extent permitted by law, BudgetAtlas and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Loss of data or budget information
Loss of profits or financial losses based on budget plans
Service interruptions or downtime
Errors in calculations or budgeting recommendations
Reliance on information provided by the Service

You use the Service entirely at your own risk.

11. Service Availability

We strive to maintain the availability of BudgetAtlas but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:

Scheduled maintenance
Technical issues or server problems
Security threats or attacks
Third-party service disruptions

We are not responsible for any losses resulting from service unavailability.

12. Modifications to the Service

We reserve the right to modify, suspend, or discontinue BudgetAtlas (or any part of it) at any time, with or without notice. We may also add or remove features, change functionality, or update the Service as needed.

13. Modifications to Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new terms.

14. Third-Party Services

BudgetAtlas uses the following third-party services:

Google Analytics: For anonymous usage tracking (see our Privacy Policy)
CDN Services: For loading JavaScript libraries (jsPDF, Chart.js, Tailwind CSS)

We are not responsible for the practices of these third-party services. Please review their terms and privacy policies.

15. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and BudgetAtlas regarding the use of the Service.

18. Contact Information

If you have questions about these Terms and Conditions, please contact us:

Email:
Contact Form: https://budgetatlas.co.uk/contact.php

Summary

BudgetAtlas is a free, privacy-first budgeting tool. We don't store your data, require accounts, or provide financial advice. You're responsible for backing up your budget data and understanding that we cannot recover lost information. The Service is provided "as is" without warranties. Use it responsibly as a planning tool.