Terms of Service

1. Acceptance of Terms

By accessing or using ExpenseTrackerFree.com, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the website.

2. Informational & Educational Use Only

ExpenseTrackerFree.com provides general calculation tools and budgeting utilities. The calculations, formulas, and estimates presented on this site are for personal informational and educational purposes only. They do not constitute certified financial, tax, or investment advice.

3. User Responsibility & Local Data

Because ExpenseTrackerFree.com operates client-side on your local device, you are responsible for maintaining backups of your financial entries (via the provided JSON export feature). We cannot recover lost local browser data resulting from clearing browser cookies or cache.

4. Disclaimer of Warranties

The web application is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied.

5. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the website following any changes constitutes acceptance of the new terms.