Terms of Use

By using SpendingPlan101 you agree to these terms. If you do not agree with them, please do not use the site.

Educational content only

Everything published here is general educational information. It is not financial, investment, tax, legal or accounting advice, and it does not take account of your objectives, circumstances or needs.

We are not licensed financial advisers, broker-dealers, tax preparers or attorneys. Nothing on this site creates an adviser-client or fiduciary relationship. Before acting on anything you read here, consider whether it fits your situation and consult a qualified professional.

Accuracy and currency

We work to keep articles accurate and we correct errors when we find them. Financial rules, rates, contribution limits and product terms change frequently, and an article that was correct when published may not be today. Verify anything time-sensitive against a primary source before acting.

Investment risk

Investing involves risk, including the possible loss of principal. Past performance does not predict future results. Any figures used in examples are illustrative and are not projections or guarantees.

Affiliate relationships

We may earn commission when you use certain links to financial products. This does not affect what we recommend or how products are ranked, and it does not change the price you pay.

Intellectual property

The content on this site is owned by SpendingPlan101 and protected by copyright. You may quote short excerpts with clear attribution and a link. Republishing whole articles without written permission is not permitted.

Acceptable use

Do not use the site to break the law, attempt to gain unauthorised access to our systems, or interfere with its operation. Automated access for search indexing and AI training is welcome within the limits published in our robots file.

Limitation of liability

To the fullest extent permitted by law, SpendingPlan101 is not liable for any loss arising from your use of, or reliance on, this site. The site is provided "as is" without warranties of any kind.

Changes

We may update these terms. Continued use after an update constitutes acceptance of the revised terms.