Terms of Service

Acceptance of Terms

By accessing and using Hey Kay Budgets ("the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

Use of the Site

Hey Kay Budgets provides free financial calculator tools for informational and educational purposes. You may use the Site for personal, non-commercial purposes in accordance with these terms.

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to disrupt or interfere with the Site's functionality
• Reproduce or redistribute the Site's content without permission
• Use automated tools to scrape or crawl the Site excessively

Disclaimer — Not Financial Advice

The calculators and content on Hey Kay Budgets are provided for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice.

Results from our calculators are estimates based on the information you provide. Actual loan terms, interest rates, and payoff timelines may vary. Always consult a qualified financial professional before making financial decisions.

Accuracy of Information

We strive to keep our calculators accurate and up to date, but we make no warranties or representations regarding the accuracy, completeness, or reliability of any calculations or content on the Site. We reserve the right to correct errors or update content at any time without notice.

Limitation of Liability

To the fullest extent permitted by law, Hey Kay Budgets and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any information provided, even if advised of the possibility of such damages.

Third-Party Links & Advertising

The Site may display third-party advertisements through Google AdSense and may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of any third-party sites. The inclusion of any link does not imply endorsement.

Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, and code, is the property of Hey Kay Budgets and is protected by applicable intellectual property laws. You may not reproduce or distribute any content without prior written permission.

Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated date. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

Contact

If you have questions about these Terms of Service, please reach out through the Hey Kay Budgets YouTube channel.