Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your use of PlanMyWallet's website and services. By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part of these terms, you may not access our services.

PlanMyWallet ("we," "our," or "us") provides financial calculators and educational resources to help users make informed financial decisions. Our services are provided "as is" and "as available."

Description of Services

PlanMyWallet provides the following services:

• Financial calculators for rent affordability, home buying, and rent vs buy comparisons
• Educational content and resources about personal finance
• Articles and financial planning tips
• Interactive tools and calculators

All calculations and tools are provided for educational and informational purposes only. They should not be considered as financial advice.

User Responsibilities

By using our services, you agree to:

• Use our services only for lawful purposes
• Provide accurate information when using our calculators
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt our services
• Not use our services to transmit harmful or malicious code
• Respect intellectual property rights
• Not use our services for commercial purposes without permission

Disclaimers

Not Financial Advice

The information provided on PlanMyWallet is for educational and informational purposes only. Our calculators and tools are not intended to provide financial, legal, or tax advice. We strongly recommend consulting with qualified professionals before making any financial decisions.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or reliability of any information on our website. Market conditions, interest rates, and other factors change frequently and may affect the accuracy of our calculations.

No Warranties

Our services are provided "as is" without any warranties, express or implied. We disclaim all warranties, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the accuracy or reliability of our calculators
• Warranties that our services will meet your specific requirements

Limitation of Liability

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

• Loss of profits, data, or use
• Business interruption
• Financial losses resulting from decisions made based on our calculators
• Damages arising from the use or inability to use our services

Our total liability to you for any claims arising from the use of our services shall not exceed the amount you paid us, if any, in the twelve months preceding the claim.

Intellectual Property

All content on PlanMyWallet, including but not limited to text, graphics, logos, calculators, and software, is the property of PlanMyWallet or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Modify or create derivative works based on our content
• Use our trademarks or logos without written consent
• Reverse engineer our calculators or software

You retain ownership of any content you submit to us, but you grant us a license to use, modify, and display such content in connection with our services.

Privacy

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

Links to third-party sites do not constitute an endorsement or recommendation by PlanMyWallet.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our services will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive termination.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of the United States.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Contact Us

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