Terms & Conditions

Effective Date: February 5, 2026

By using BudgetMule, you agree to these Terms & Conditions. If you do not agree, do not use the platform.

1. Description of Service

BudgetMule is a free financial budgeting and tracking platform that allows users to upload financial data and generate budgeting insights.

2. No Financial Advice

BudgetMule is a software tool only. We do not provide financial, investment, tax, or legal advice.

All projections and calculations are informational only. You are solely responsible for financial decisions made using this platform.

3. User Responsibilities

• Maintain account security
• Provide accurate data
• Keep login credentials confidential
• Use the platform lawfully

4. Data Accuracy Disclaimer

BudgetMule does not guarantee the accuracy of projections, categorization, or financial outcomes.

5. Limitation of Liability

To the fullest extent permitted by law, BudgetMule shall not be liable for financial losses, data inaccuracies, or service interruptions.

6. Service Availability

We may modify, suspend, or discontinue features at any time without notice.

7. Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms.

8. Governing Law

These Terms are governed by the laws of Ontario, Canada.

9. Intellectual Property

All platform content and branding belong to BudgetMule and may not be copied or reproduced without permission.

10. Changes to Terms

We may update these Terms at any time. Continued use constitutes acceptance of updated Terms.