Terms of Use

1. Acceptance of Terms

By creating an account and using MindsBudget, you agree to these Terms of Use. If you do not agree, please do not use the service.

2. Not Financial Advice

MindsBudget provides informational analysis of financial data that you upload. All scores, insights, recommendations, and outputs are for informational purposes only. They do not constitute financial advice, investment advice, tax advice, legal advice, or any other professional advice.

MindsBudget is not a registered investment adviser, broker-dealer, financial planner, or any other type of financial professional. Nothing in the service should be construed as a recommendation to buy, sell, or hold any financial product.

Always consult a qualified financial professional before making significant financial decisions.

3. Accuracy Disclaimer

The accuracy of MindsBudget analysis depends entirely on the quality and completeness of the data you upload. We make no guarantee that:

• Transaction categorisation is correct for your specific transactions.
• Financial health scores reflect your complete financial picture.
• Recommendations are appropriate for your individual circumstances.
• Analysis results are free from errors introduced by reading or processing your files.

You are responsible for verifying any outputs before acting on them.

4. Your Responsibilities

You agree to:

• Upload only files that you have the right to use and analyse.
• Not attempt to access other users' accounts or data.
• Not use the service for any unlawful purpose.
• Keep your account login details secure and do not share them.
• Provide accurate information when creating your account.

5. Intellectual Property

MindsBudget and its original content, features, and functionality are owned by MindsBudget and protected by applicable intellectual property laws. You may not copy, modify, or distribute the service without express written permission.

Your uploaded data remains yours. By uploading it, you grant MindsBudget a limited, non-exclusive license to process it solely for the purpose of providing the service to you.

6. Limitation of Liability

To the maximum extent permitted by applicable law, MindsBudget and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — the service, including any financial losses resulting from decisions made based on MindsBudget outputs.

7. Service Availability

We provide MindsBudget "as is" and "as available" without warranty of any kind. We do not guarantee uninterrupted or error-free operation. We reserve the right to modify or discontinue the service at any time with reasonable notice.

8. Changes to Terms

We may update these Terms from time to time. Material changes will be reflected in the effective date above. Continued use of the service after changes are posted constitutes acceptance of the updated Terms.

9. Contact

Questions about these Terms? Email support@mindsbudget.com.

Also see our Privacy Policy and About page.