Legal

Disclaimer

Last updated: April 2026

No Financial, Investment, or Legal Advice

MindsBudget is an educational financial tool. Nothing on this platform — including the dashboard, research summaries, economic commentary, weekly briefs, or any other content — constitutes personalized investment advice, financial planning advice, tax advice, or legal advice.

All content is provided for general informational and educational purposes only. You should not rely on any content from MindsBudget to make financial decisions. Consult a licensed financial advisor, tax professional, or attorney before making any decision that affects your financial situation.

Research & Macro Commentary

MindsBudget Research provides general economic commentary derived from publicly available data sources including Federal Reserve releases, Bureau of Labor Statistics data, and financial market indicators. This commentary is:

Not forward-looking in the sense of predicting market outcomes
Not a recommendation to buy, sell, or hold any security
Not guaranteed to be accurate, complete, or timely
Subject to the limitations of the underlying data and models used

Model confidence does not mean certainty. Where MindsBudget Research expresses a regime classification (e.g., "cautious," "stable") or signal tier, this reflects historical pattern similarity — not a guarantee of future economic conditions. Surprise direction for any economic release is always unknown pre-release.

Spending & Transaction Analysis

Spending summaries, category classifications, recurring charge detection, and cash flow estimates are generated automatically from data you upload. These outputs may contain errors, misclassifications, or omissions. MindsBudget does not verify the accuracy of categorization against your actual financial situation.

Do not use automated spending summaries as the sole basis for budgeting decisions, loan applications, or tax filing. Always verify against your official bank statements and consult qualified professionals as needed.

No Fiduciary Relationship

Using MindsBudget does not create a fiduciary, advisory, or professional relationship between you and MindsBudget or its operators. We are a software tool, not a registered investment advisor, broker-dealer, financial planner, tax advisor, or attorney.

External Data & Third-Party Sources

MindsBudget may display or reference data from third-party sources. We do not control and are not responsible for the accuracy, availability, or completeness of any third-party data. All third-party data is used for general context only.

Limitation of Liability

To the maximum extent permitted by applicable law, MindsBudget and its operators shall not be liable for any financial losses, damages, or adverse outcomes arising from your use of this platform or reliance on any content generated by it.

Contact

Questions about this disclaimer: mindsbudgetofficial@gmail.com