Terms and Conditions

Last updated: January 2026

Welcome to Forecast My Cashflow. By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree to all the terms, please do not use the site.

1. Description of Service

Forecast My Cashflow provides a free, browser-based calculator for personal budgeting and educational purposes. The tool allows you to:

  • Create cashflow forecasts by entering income and expense items
  • Compare different scenarios (best, base, worst case)
  • View projections in charts and tables
  • Export data for personal use

The service is provided free of charge. We may display advertisements to support the operation of the site.

2. Educational Purpose Only

This tool is designed exclusively for educational exploration and personal budgeting practice. It is NOT:

  • Financial advice or guidance
  • Investment advice or recommendations
  • Tax advice or planning
  • Legal advice of any kind
  • A regulated financial service

Always consult qualified professionals (financial advisors, accountants, lawyers) for important financial decisions. The outputs of this tool are estimates based on your inputs and should never be the sole basis for financial decisions or treated as financial guidance.

3. User Responsibilities

When using this site, you agree to:

  • Use the service only for lawful, personal, and educational purposes
  • Provide accurate information when using the calculator
  • Not attempt to disrupt, hack, or interfere with the service
  • Not scrape, copy, or republish content from the site without permission
  • Not use the site to engage in any illegal activity
  • Not attempt to access systems or data you are not authorized to access

4. Intellectual Property

All content on this site, including text, graphics, logos, design elements, and software, is owned by or licensed to Forecast My Cashflow and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

You retain ownership of any data you enter into the calculator. Since data is stored locally in your browser, you maintain full control over it.

5. Data and Privacy

Your use of the site is also governed by our Privacy Policy. Key points:

  • Your cashflow data is stored locally in your browser, not on our servers
  • We cannot access, recover, or view your financial data
  • We use analytics to improve the service
  • We may display ads through third-party networks

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

  • The service will be uninterrupted or error-free
  • Results will be accurate or reliable
  • The quality of any information will meet your expectations
  • Any errors in the service will be corrected

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FORECAST MY CASHFLOW AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

  • Any direct, indirect, incidental, or consequential damages
  • Financial losses based on using the tool's outputs
  • Decisions made based on the forecasts generated
  • Loss of data or business interruption

You use this tool entirely at your own risk. You are solely responsible for any decisions you make based on the tool's outputs.

8. Third-Party Links and Services

The site may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites. Advertisements displayed on the site are provided by third-party networks and are subject to their own terms.

9. Modifications to Service and Terms

We reserve the right to modify, suspend, or discontinue any part of the service at any time without notice. We may also update these Terms and Conditions. Changes become effective when posted. Your continued use of the site after changes means you accept the updated terms.

10. Termination

We may terminate or restrict your access to the site at our sole discretion, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

11. Governing Law

These terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these terms or your use of the site shall be resolved in accordance with applicable law.

12. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

13. Contact Information

For questions about these terms, please contact us at info@forecastmycashflow.com.