Terms of Service

1. Acceptance of Terms

By accessing or using SphereBudget (spherebudget.com), you agree to be bound by these Terms of Service. If you do not agree to all terms and conditions, you must discontinue use of the service immediately.

2. Description of Service

SphereBudget provides free web-based financial calculators, monthly budget planners, expense trackers, debt payoff simulators (Snowball & Avalanche methods), savings goal organizers, and educational personal finance articles. The service is provided "as is" and "as available."

3. User Accounts & Registration

You may register an account using an email address and a secure password (minimum 8 characters). You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. We reserve the right to terminate accounts that violate our safety policies.

4. User Responsibilities

You agree to provide accurate financial figures for calculation purposes, safeguard your local session data, and use the service in compliance with all applicable local and federal laws.

5. Prohibited Uses

• Reverse engineering, decompiling, or attempting to extract proprietary algorithms.
• Automated scraping, crawling, or systematic data extraction without written consent.
• Introducing viruses, trojans, worms, or malicious scripts.
• Using the platform for fraudulent, deceptive, or money laundering simulations.

6. Intellectual Property

All trademarks, interface designs, logos, software algorithms, illustrations, and editorial articles are the exclusive property of SphereBudget. You are granted a limited, revocable, non-exclusive license for personal, non-commercial use.

7. Disclaimer & Limitation of Liability (No Financial Advice)

SphereBudget is not a licensed financial advisor, broker, or tax consultant. All calculations, models, and articles are provided strictly for educational and self-directed planning. We assume no liability for investment losses, taxation discrepancies, or debt payoff variances resulting from your use of the application.

8. Indemnification

You agree to indemnify and hold harmless SphereBudget, its officers, employees, and licensors against any third-party claims or expenses resulting from your violation of these Terms.

9. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Continued access to SphereBudget following any revisions constitutes your acceptance of the new Terms.

11. Contact Legal

For formal legal correspondence, reach our compliance team at legal@spherebudget.com or support@spherebudget.com.