Terms of Service & Disclaimer

1. Acceptance of Terms

By accessing and using the Budget Analyzer application ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. No Financial Advice

The Budget Analyzer is a calculation and analysis tool designed to help you organize and visualize your financial data. It is NOT a substitute for professional financial advice.

2.1 Budget Suggestions

Any budget suggestions, recommendations, or guidelines provided by this tool (including but not limited to the 50/30/20 rule calculations) are general guidelines only and may not be appropriate for your specific financial situation. These suggestions are based on common financial principles but do not take into account your individual circumstances, goals, or risk tolerance.

2.2 Loan Calculator

The home loan calculator provides illustrative calculations only. The results shown are estimates based on the information you provide and standard loan calculation formulas. Actual loan terms, interest rates, and payment schedules may vary. You should consult with your lender or a qualified financial advisor before making any decisions regarding your mortgage or loan payments.

2.3 No Investment Advice

This tool does not provide investment advice, recommendations, or solicitations to buy or sell any securities or financial instruments. Any calculations or projections should not be construed as investment advice.

3. Accuracy and Reliability

While we strive to provide accurate calculations and analysis, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, reliability, or suitability of the information and calculations
• The accuracy of transaction categorization
• The applicability of budget suggestions to your situation
• The correctness of loan calculations or projections

Any reliance you place on such information is strictly at your own risk.

4. Limitation of Liability

To the fullest extent permitted by law, PromptITEasy.com, its operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use the Service
• Any errors or omissions in the calculations or analysis
• Any financial decisions made based on information from this tool
• Any loss or damage resulting from reliance on the Service

5. Privacy and Data Security

5.1 Local Processing

All data processing occurs locally in your browser. Your financial data is never transmitted to our servers, stored in the cloud, or shared with third parties.

5.2 No Data Collection

We do not collect, store, or have access to your financial information, bank statements, or transaction data. All processing happens on your device.

5.3 Browser Storage

The application may use browser localStorage to remember your preferences (such as category mappings in keyfiles). This data remains on your device and can be cleared at any time through your browser settings.

6. User Responsibilities

You are responsible for:

• Ensuring the accuracy of data you input into the tool
• Verifying that your bank statement CSV files are correctly formatted
• Reviewing and correcting any transaction categorizations
• Consulting with qualified professionals for financial decisions
• Maintaining the security of your own device and data
• Not using this tool for any illegal or unauthorized purpose

7. No Warranties

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

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

We do not warrant that the Service will be uninterrupted, error-free, or free from viruses or other harmful components.

8. Third-Party Services

This tool may use third-party libraries (such as jsPDF for PDF generation). We are not responsible for the privacy practices or content of any third-party services. Your use of third-party services is subject to their respective terms of service and privacy policies.

9. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

10. Changes to Terms

We reserve the right to update these Terms of Service at any time. The "Last Updated" date at the top of this page will reflect the most recent changes. Your continued use of the Service after any changes constitutes acceptance of the new terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws. Any disputes arising from or relating to these terms or the Service shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

12. Contact Information

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

Email: promptiteasy@gmail.com

13. Acknowledgment

By using the Budget Analyzer, you acknowledge that:

• You have read and understood these Terms of Service and Disclaimer
• You understand that this tool does not provide financial advice
• You will consult with qualified professionals before making financial decisions
• You use this tool at your own risk
• You will not hold PromptITEasy.com liable for any financial losses or decisions