Terms & Conditions

1. Acceptance of Terms

Welcome to Family Budget Planning for New Parents. These Terms and Conditions govern your access to and use of our website, services, and content. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access the website or use our services.

For the purposes of these Terms and Conditions:

• "We," "us," and "our" refer to Family Budget Planning for New Parents.
• "You" and "your" refer to the user or viewer of our website.
• "Website" refers to the domain familybudgetplanning.com and all associated subdomains.
• "Services" refers to all financial planning tools, resources, consultations, and other offerings provided through our website.

2. Website Use and Conditions

2.1 Account Registration

Some portions of our website and services may require you to create an account. When you create an account, you agree to:

• Provide accurate, current, and complete information about yourself as requested.
• Maintain and promptly update your account information to keep it accurate, current, and complete.
• Keep your account credentials confidential and not share them with any third party.
• Be solely responsible for all activities that occur under your account.
• Notify us immediately of any unauthorized use of your account or any other breach of security.

We reserve the right to terminate your account at our discretion without notice if we believe you have violated these Terms and Conditions.

2.2 Eligibility

You must be at least 18 years of age to use our website and services. By using our website and services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

2.3 Prohibited Activities

When using our website and services, you agree not to:

• Violate any applicable laws, regulations, or third-party rights.
• Use our website or services for any illegal or unauthorized purpose.
• Attempt to gain unauthorized access to any portion of the website, other accounts, or computer systems or networks connected to our website.
• Use any automated means, including bots, scrapers, or spiders, to access our website or collect any information from our website.
• Interfere with or disrupt the operation of our website or the servers or networks used to make our website available.
• Transmit any viruses, malware, or other types of malicious code, or any content that may harm our website or other users.
• Engage in any conduct that restricts or inhibits any person from using or enjoying our website.

3. User Responsibilities and Conduct

3.1 Accuracy of Information

When using our services, you are responsible for ensuring that all information you provide to us is accurate, complete, and up-to-date. We rely on the information you provide to deliver our services, and inaccurate information may lead to inappropriate or ineffective financial advice.

3.2 Respectful Communication

When interacting with our team or other users through our website, you agree to communicate in a respectful and professional manner. We do not tolerate harassment, discrimination, or abusive behavior toward our staff or other users.

3.3 Financial Decisions

While we strive to provide accurate and helpful financial information and advice, you are ultimately responsible for your own financial decisions. Our services are intended to be educational and informative, not a substitute for professional financial advice tailored to your specific situation. We recommend consulting with a qualified financial advisor before making significant financial decisions.

4. Intellectual Property Rights

4.1 Our Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, software, and the compilation of all content, is our property or the property of our content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our website and services for personal, non-commercial purposes. This license does not include:

• The right to reproduce, distribute, publicly display, or publicly perform our content.
• The right to modify or create derivative works based on our content.
• The right to use our content for any commercial purpose.
• The right to remove any copyright, trademark, or other proprietary notices from our content.

4.3 User-Generated Content

If you submit content to our website, such as comments, testimonials, or feedback, you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media. You represent and warrant that you own or control all rights to the content you submit and that your content does not violate these Terms and Conditions or any applicable law.

5. Limitation of Liability

5.1 Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our website or services will be uninterrupted, error-free, or completely secure, or that any defects will be corrected. We make no warranties about the accuracy, reliability, completeness, or timeliness of the content, services, software, text, graphics, links, or communications provided on or through our website.

5.2 Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from:

• Your use or inability to use our website or services.
• Any unauthorized access to or use of our servers and/or any personal information stored therein.
• Any interruption or cessation of transmission to or from our website.
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our website by any third party.
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through our website.

In no event shall our total liability to you for all claims exceed the amount paid by you, if any, for accessing our website or using our services during the 12 months preceding your claim.

6. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time, effective upon posting the updated terms on our website. Your continued use of our website after any such changes constitutes your acceptance of the new Terms and Conditions.

We will make reasonable efforts to notify you of significant changes to these Terms and Conditions by posting a notice on our website or sending you an email. However, it is your responsibility to review these Terms and Conditions periodically to stay informed of any updates.

7. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: