Disclaimer

This Disclaimer applies to the use of BudgetFlow (BudgetFlow Canada Limited) and its content. We provide information and tools for general educational and budgeting purposes only. Your use of our website and services is subject to these terms, and we encourage you to review them carefully before accessing our platform.

General Disclaimer

We provide our digital budgeting applications and spreadsheet tools on an "as-is" basis without warranties of any kind. While we strive to ensure accuracy and reliability, we cannot guarantee that all information on our platform is current, complete, or error-free. We do not warrant that our services will meet your specific needs, be uninterrupted, secure, or free from technical issues.

Our content is designed to help Calgary students and other users develop healthy financial habits and improve their budgeting skills. However, individual financial circumstances vary, and results may differ based on personal situations, market conditions, and external factors beyond our control.

No Professional Financial Advice

The information, tools, and resources available through our platform are provided for educational purposes only and should not be considered professional financial, investment, tax, or legal advice. We are not licensed financial advisors, accountants, or legal professionals. Nothing on our website constitutes a recommendation to buy, sell, or hold any financial product or investment.

Before making significant financial decisions, we strongly encourage you to consult with qualified financial advisors, tax professionals, or legal experts who can assess your individual circumstances. We cannot be held responsible for financial decisions made based on information found on our platform.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. This includes loss of profits, data, goodwill, or other intangible losses.

Your total liability to us for any claims arising from your use of our platform shall not exceed the amount you have paid us in the past twelve months, or one hundred dollars, whichever is less. Some jurisdictions do not allow the limitation or exclusion of liability, so some of these restrictions may not apply to you.

Third-Party Content and Links

Our platform may contain links to third-party websites, applications, and resources. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of these external sites. Your access to and use of third-party platforms are subject to their terms of service and privacy policies. We encourage you to review those terms before engaging with external content.

Changes to This Disclaimer

We may update this Disclaimer at any time to reflect changes in our services, legal requirements, or other circumstances. Your continued use of our platform following the publication of revised terms constitutes your acceptance of those changes. We recommend checking back regularly to stay informed of any updates.