Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
 

Intellectual Property
 

The Service, Product and its original content, features and functionality are and will remain the exclusive property of Owning Your Budget and its licensors.

Links To Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Owning Your Budget.

Owning Your Budget has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Owning Your Budget shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Conversely, should Owning Your Budget links appear in any other individual’s, business’s or entity’s website, program, product or services, it does not constitute Owning Your Budget’s formal endorsement of them, their business or their website either.
 

Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
 

Disclaimer

Please read this Website Disclaimer carefully. We reserve the right to change this Website Disclaimer at any time without notice, and by using the Website and its Content you are agreeing to the Website Disclaimer as it appears, whether or not you have read this language. If you do not agree with this Website Disclaimer, please do not use our Website or its Content.  This website and its content are owned by Owning Your Budget.
 

For Education and Informational Purposes Only
 

The information provided in or through our Website, Programs, Products and Services is for educational and informational purposes only and is made available to you as self-help tools for your own use.
 

Not Legal or Financial Advice
 

The information contained in our Website, Programs, or Services is not intended to be a substitute for legal or financial advice that can be provided by your own attorney, accountant, and/or financial advisor. We cannot be held responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. The law varies by state, and it is constantly changing, and therefore it affects each individual and business in different ways. As a result, it is recommended to seek outside financial and/or legal counsel relating to your specific circumstances as needed. You are hereby advised to consult with your tax consultant, accountant or lawyer for any and all questions and concerns you have, may have, or hereafter have regarding your own income and taxes, and any and all information presented by our Website, Programs or Services pertaining to your specific financial and/or legal situation.

Personal Responsibility 
 

Our Website, Programs, Products, and Services aim to accurately represent the information provided. You are acknowledging that you are participating voluntarily in using our Website, Programs, Products, and Services, and you alone are solely and personally responsible for your results. You agree to use your own due diligence and judgment before applying any recommendation or advice that you may receive on or through our Website, Programs, Products, and Services. You acknowledge that you take full responsibility for your health, life, and well-being and for all decisions now and in the future.
 

No Guarantees 
 

We educate, support, and assist you in reaching your own goals, but your success depends solely on your own effort, dedication, and follow-through. We cannot predict that you will attain a particular result, and you accept and understand that results are different for each individual. You fully agree that there are no guarantees as to the specific outcome or results you can expect from using the information you receive on or through this Website.

 

Advertising and Sponsors
 

Owning Your Budget may work with companies to provide you with awesome content and/or services. We only use companies that align with Owning Your Budget values. As an Amazon Associate we earn from qualifying purchases.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Canada without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.
 

Changes
 

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
 

Contact Us

If you have any questions about these Terms, please contact Us.