Last updated: November 2026. By using Personal Finance Basic (personalfinancebasic.com), you agree to these Terms of Use. If you do not agree, please do not use this website.
Use of this website
Personal Finance Basic provides general educational information about budgeting, saving, debt and income. It is not financial, investment, tax or legal advice, and it does not create a professional relationship between you and the site or its author. You are responsible for decisions you make based on the content. Please see the Disclaimer page for the full statement.
Content and intellectual property
Unless stated otherwise, the articles, guides and calculators on this site are the property of Personal Finance Basic. You may read, share a link to, or quote a short extract with credit, but you may not copy, republish or sell the full content without permission.
Calculators and tools
Any calculator on this site gives estimates based on the numbers you enter and the assumptions shown on the page. Results are not guarantees, and actual loan payments, interest or investment returns may differ. Always confirm figures with your lender, bank or a qualified professional before acting.
Affiliate links and advertising
Some pages may contain affiliate links or advertising. If you click a link or buy through it, the site may earn a commission at no extra cost to you. See the Affiliate Disclosure page and the Privacy Policy for more detail.
Acceptable use
You agree not to use this site to break the law, to send spam, to try to damage the site or its security, or to misrepresent the content as professional advice. We may restrict access if use of the site harms other visitors or the site itself.
External links
This site may link to other websites. We are not responsible for their content, policies or practices, and a link does not mean we endorse that site.
Limitation of liability
To the extent allowed by law, Personal Finance Basic is not liable for loss or damage arising from your use of, or reliance on, the content of this site. Nothing in these terms limits rights that cannot be limited by law.
Changes to these terms
We may update these Terms of Use from time to time. The updated version will be posted on this page with a new last-updated date. Continued use of the site after an update means you accept the updated terms. Questions about these terms can be sent through the Contact page.