Disclaimer

Informational use only

SmartMoneyBudget provides budgeting, financial organisation, and reporting tools for informational purposes only.

SmartMoneyBudget does not provide:

• Financial advice
• Credit advice
• Investment advice
• Tax advice
• Accounting advice
• Legal advice

Users should seek advice from qualified professionals before making financial decisions.

No Direct Access to Financial Accounts

SmartMoneyBudget does not currently connect directly to banks, credit unions, mortgage providers, or other financial institutions.

The platform does not access online banking accounts or banking credentials.

Budget reports, forecasts, and insights are generated from information manually entered or uploaded by users.

Future bank connectivity features may only be introduced after appropriate legal permissions, licensing requirements, regulatory approvals, and security controls have been established.

User Responsibility

Users are responsible for:

• Information they enter into the platform
• Information they upload
• Decisions made using platform outputs

SmartMoneyBudget does not guarantee financial outcomes, savings results, debt reduction outcomes, investment performance, or financial success.