Terms & Conditions

Last updated: January 15, 2026

1. Acceptance of Terms

By accessing www.budgetfinancewealth.com ("the Site") or engaging Budget Finance Wealth LLC ("Budget Finance Wealth," "we," "us"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please discontinue use of the Site. These terms apply to all visitors, enquiry submitters, and clients.

2. Description of Services

Budget Finance Wealth provides, either directly or through licensed partners:

• Investment advisory and financial planning services (delivered under a written advisory agreement).
• Facilitation of personal loans, credit lines, and mortgage loans through licensed partner lenders.
• Tax advisory services delivered by affiliated CPA professionals.
• Insurance guidance through licensed agents and A-rated carriers.

3. No Financial Advice via the Website

Content on the Site — including blog-style text, rate ranges, and illustrative figures — is provided for general informational purposes only and does not constitute personalized investment, legal, tax, or lending advice. No advisory relationship is created until you sign a written engagement agreement. Always consult a qualified professional regarding your specific circumstances before acting on any general content.

4. Eligibility

You must be at least 18 years old and a resident of the United States to submit enquiries or enter service agreements. Loan products are subject to credit approval, income verification, and applicable state licensing; advertised rates and ranges are illustrative and not a commitment to lend.

5. Advisory Fees & Billing

Advisory subscriptions are billed monthly at the rates published on the Site ($49, $149, or $399 per month, with discounted annual billing where offered). Fees may be changed with 30 days' written notice to existing clients. Subscriptions may be cancelled anytime with 30 days' notice; partial months are not prorated unless required by law. Advisory agreements govern in the event of any conflict with these Terms.

6. Loan Services via Partner Lenders

Budget Finance Wealth is not a lender. All loans are originated, underwritten, and funded by licensed partner lenders. Rates, fees, terms, and approvals are determined solely by those lenders and disclosed in your loan documents before you sign. We receive compensation from lending partners in some cases, which is disclosed upon request and never affects the rate you are offered.

7. Client Responsibilities

You agree to: (a) provide accurate, current information in all forms and applications; (b) safeguard your account credentials; (c) promptly notify us of unauthorized account activity; and (d) use the Site and our services lawfully, without attempting to disrupt, scrape, or reverse-engineer our systems.

8. Intellectual Property

All content on the Site — text, design, graphics, logos, "Budget Finance Wealth" branding, and code — is the property of Budget Finance Wealth LLC and protected by U.S. copyright and trademark law. You may view and print pages for personal, non-commercial use. Any other reproduction or distribution requires our prior written consent.

9. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains what we collect and how we protect it. We never sell personal information.

10. Disclaimers & Limitation of Liability

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability and fitness for a particular purpose. To the maximum extent permitted by law, Budget Finance Wealth LLC and its officers, employees, and partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content. Our total aggregate liability for any claim shall not exceed the fees you paid to us in the twelve months preceding the claim. We do not warrant that the Site will be uninterrupted or error-free.

11. Indemnification

You agree to indemnify and hold harmless Budget Finance Wealth LLC from claims, damages, and reasonable legal costs arising from your breach of these Terms, your misuse of the Site, or information you provide that is false or misleading.

12. Dispute Resolution & Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles. The parties shall first attempt good-faith resolution for 30 days. Any unresolved dispute shall be settled by binding arbitration in Bowie, Maryland, under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction. You agree to arbitrate on an individual basis — not as part of a class action. This agreement to arbitrate does not waive any non-waivable rights under applicable state or federal law.

13. Termination

We may suspend or terminate your access to the Site for conduct that violates these Terms or threatens the security of our systems. Sections 8, 10, 11, and 12 survive termination. Client relationships terminate according to the terms of your signed advisory or service agreement.

14. Changes to These Terms

We may revise these Terms from time to time. The "Last updated" date above reflects the current version, and continued use of the Site after changes constitutes acceptance. Material changes affecting active clients will be communicated by email with advance notice.

15. Severability

If any provision of these Terms is held unenforceable, the remaining provisions continue in full force, and the unenforceable provision is modified to the minimum extent necessary to make it enforceable.