Terms of Use

1. Acceptance of Terms

By accessing and using Spending Reality Check ("the tool"), you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use the tool.

2. Disclaimer

The calculations and results provided by this tool are for informational and entertainment purposes only and do not constitute financial, investment, or professional advice. Results are based on the inputs you provide and simplified assumptions (e.g., 7% annual investment return, 22 working days per month).

Always consult a qualified financial advisor before making significant financial decisions.

3. No Warranty

The tool is provided "as is" without any warranties of any kind. We do not guarantee the accuracy, completeness, or reliability of any calculations or information displayed.

4. Limitation of Liability

In no event shall Spending Reality Check, its creators, or contributors be liable for any decisions made based on the information provided by this tool. You use the tool at your own risk.

5. Intellectual Property

The tool's design, code, and content are protected by copyright. You may not reproduce, distribute, or create derivative works without explicit permission.

6. Changes to Terms

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

7. Contact

For questions about these terms, contact us at zstwtfan@163.com.