Terms of Use
Use of this website is governed by the terms of use set forth below. You will be required to agree with these terms the first time you access a budget, or when accessing your budget after we change these terms of use.

These Terms of Use were last updated on January 7,2014
By accessing and using budgetninjas.com (the "Web Site"), you agree to be legally bound by these Terms of Use and you represent that you are 18 years or older, or are a student using the Web Site strictly for educational purposes. If any of these terms are unacceptable to you, you may not access the Web Site until agreement has been reached between you and Budget Ninjas as to the applicable terms of use. The terms "you" and "User" refer to anyone who accesses the Web Site.

As you browse through the Web Site you may access other Web Sites that are subject to different terms of use. When you use those sites, you may be legally bound by the specific terms of use posted on such sites. If there is a conflict between these Terms of Use and those other terms of use, the other terms of use will govern with respect to use of such pages.

Subject to applicable laws and regulations, Budget Ninjas LLC ("Budget Ninjas"), may change these Terms of Use at any time without notice, at which time you will be required to accept the revised Terms of Use before access is allowed.

Budget Ninjas grants you a non-exclusive, non-transferable, limited license to access and use the Web Site for the fees, if applicable, and under the terms set forth below. The content of the Web Site made accessible by Budget Ninjas on the Web Site includes, but is not limited to, financial calculators, text, data, reports, images, photos, graphics, graphs, charts, animations and video (collectively, the "Content").

The Content may be used only for non-commercial use.

User Content made available on budgetninjas.com
Material that appears on the Web Site that is entered by you or other Users, or that is otherwise made accessible by other than Budget Ninjas, is referred to as "User Content" or "Other Content"). Use of Other Content is governed by Section 6 below.

Intellectual Property Rights and Unlawful Use
The Content is the property of Budget Ninjas or its providers, and is protected by copyright and other intellectual property laws. All trade names, trademarks, service marks and other product and service names and logos on the Web Site and within the Content are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Any of the trademarks, service marks or logos (collectively, the "Marks") displayed on the Web Site may be registered or unregistered marks of Budget Ninjas or others. Nothing contained on this Web Site should be construed as granting any license or right to use any of the Marks displayed on the Web Site without the express written permission of Budget Ninjas or a third party owner of such Marks. You shall honor all reasonable requests by Budget Ninjas to protect Budget Ninjas proprietary interests in the Budget Ninjas Web Site and the Content. Illegal and unauthorized uses of the Marks or any other Content are strictly prohibited.

NOTE: Use of Content on this Web Site may be periodically monitored to assure compliance with these Terms of Use. Budget Ninjas reserves the right to discontinue access to this Web Site either with or without notice if Budget Ninjas has a reasonable basis to believe that a User is accessing or using Content in violation of these Terms of Use.

You expressly agree not to:
ʉۢuse or attempt to use any "deep-link," "scraper," "robot,""bot," "spider," "data-mining," "computer code" or any other automated device, program, tool, algorithm,process, or methodology or manual process having similar processes or functionality, to access, acquire, copy, or monitor any portion of the Web Site, any data or Content found on or accessed through the Web Site or any Other Content without the prior express written consent of Budget Ninjas;
ʉۢobtain or attempt to obtain through any means any materials or information on the Web Site that have not been intentionally made publicly available either by their public display on the Web Site or through their accessibility by a visible link on the Web Site;
ʉۢviolate the restrictions in any robot inclusion headers on this Web Site or in any way bypass or circumvent any other measure employed to limit or prevent access to the Web Site or its Content;
ʉۢviolate the security of the Web Site or attempt to gain unauthorized access to the Web Site, data, materials, information, computer systems or networks connected to any Budget Ninjas server, through hacking, password mining or any other means;
ʉۢinterfere or attempt to interfere with the proper working of the Web Site or any activities conducted on or through the Web Site, including accessing any data, content or other information prior to the time that it is intended to be available to the public on the Web Site;
ʉۢtake or attempt any action that, in the sole discretion of Budget Ninjas, imposes or may impose an unreasonable or disproportionately large load or burden on the Web Site or Budget Ninjas infrastructure.

As part of the registration process, you must select a user name and password and provide Budget Ninjas with other accurate, complete, and updated information. Please see our Privacy Notice and the Registration and Logon screens for information regarding how this information will be used and maintained.

You are entirely liable for activities conducted by you or anyone else in connection with your browsing and use of the Web Site. If you are dissatisfied with the Web Site or with these Terms of Use, your sole and exclusive remedy is to stop using the Web Site. Neither Budget Ninjas nor any third party provider will pay you any damages in connection with your browsing or use of the Web Site.

Neither Budget Ninjas, nor its affiliates, nor their third party providers guarantee the accuracy, completeness, timeliness or availability of any information provided through this Web Site. Budget Ninjas, its affiliates or their third party providers and their directors, officers, shareholders, employees or agents are not responsible for any errors or omissions, regardless of the cause, or for the results obtained from the use of such information. BUDGET NINJAS, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall Budget Ninjas, its affiliates or their third party providers and their directors, officers, shareholders, employees or agents be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of such information even if advised of the possibility of such damages.

Users of the information provided through this Web Site should not rely on any of it in making any investment decision. Budget Ninjas does not act as a fiduciary or an investment advisor.

You may, through hypertext or other computer links, gain access to Web sites operated by persons other than Budget Ninjas. Such hyperlinks are provided for your reference and convenience only, and are the exclusive responsibility of such Web sites' owners. You agree that Budget Ninjas is not responsible for the content or operation of such Web sites, and that Budget Ninjas shall have no liability to you or any other person or entity for the use of third party Web sites. Except as described below, a hyperlink from this Web Site to another Web site does not imply or mean that Budget Ninjas endorses the content on that Web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other Web sites to which you link from this Web Site. Budget Ninjas assumes no responsibility for the use of the software on the Web Site and shall have no liability whatsoever to any person or entity for the accuracy or completeness of any outcome generated by such software.

The User grants to Budget Ninjas the non-exclusive right to use all material entered into the Web Site by the User in accordance with the current Privacy Policy published on the Web Site.
The User agrees to indemnify Budget Ninjas and any third party data providers, from all damages, liabilities, costs, charges and expenses, including reasonable attorneys' fees, that Budget Ninjas, their affiliates, employees, and authorized representatives may incur as a result of either: (i) the User's breach of this Agreement; or (ii) material entered into the Budget Ninjas Web Site with the use of the User's screen name or password.

Subject to applicable laws and regulations, Budget Ninjas may discontinue or change the Budget Ninjas Web Site, or its availability to you, at any time. The terms of this Agreement will survive any such discontinuation.

This Agreement constitutes the entire agreement between the parties relating to the Web Site and supersedes any and all other agreements, oral or in writing, with respect to the Web Site. The failure of Budget Ninjas to insist upon strict compliance with any term of this Agreement shall not be construed as a waiver with regard to any subsequent failure to comply with such term or provision. This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this Agreement shall be governed by the laws of the United States of America and South Carolina State. The parties agree that the State and Federal courts of South Carolina shall be the exclusive forums for any dispute arising out of this Agreement and the parties hereby consent to the personal jurisdiction of such courts.

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I work hard to make budgeting easy AND fun. Follow Budget Ninjas on facebook to get the latest news, tips, and advice. You'll find Ninja Nuggets, posts sharing timely advice, and the Budget Buddies comic series, where I try to put a little humor on the serious subject of money management. We welcome your advice and tips as well as we build an army of budget ninjas. Hope to see you there!

- Dennis K Byrd.

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Dennis K Byrd
16 King Eider Way
Taylors, SC 29687 United States
Telephone: +1 864 303 0910
E-mail: info@budgetninjas.com