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Last updated: 2026-08-14

1. Acceptance

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2. Educational publisher — not advice

The Site provides educational information and interactive tools of general and regular circulation. Nothing on the Site is individualized financial, investment, tax, legal or accounting advice, and nothing constitutes a recommendation that any strategy, product, transaction, or course of action is suitable for any specific person. Budget & Savings is not a registered investment adviser, broker-dealer, credit counselor, tax preparer, or financial planner.

To the extent any content touches on securities or investing, the Site operates as a bona fide publication of general and regular circulation within the meaning of the publisher's exclusion in Section 202(a)(11)(D) of the Investment Advisers Act of 1940. Content is impersonal and not tailored to any reader's circumstances.

3. Calculators and tools

Calculator results are estimates produced from the figures you enter and simplified, stated assumptions (for example, constant interest rates and monthly compounding). They are illustrations for comparison, not predictions, quotes, or offers. Investment values can decline; savings rates change; program rules change.

4. Government programs and third-party resources

Descriptions of assistance programs are educational summaries. Eligibility depends on income, household size, disability status, age, location, and other factors, and programs change by state and year. The official government or nonprofit page linked from each description is the sole authority. The Site is not affiliated with any government agency and never charges for, nor assists with, benefit applications.

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6. Acceptable use

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7. Limitation of liability

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8. Intellectual property

9. Changes

These terms may be updated; the date above reflects the current version. Continued use after changes constitutes acceptance.