Terms & Conditions

Last updated: January 1, 2026

Welcome to BudgetWijzer. These Terms and Conditions govern your use of our website and the financial planning services provided by BudgetWijzer. By accessing our website or using our services, you agree to comply with and be bound by these terms. If you disagree with any part of these terms, you must not access our website or use our services.

1. Interpretation and Definitions

In these Terms and Conditions:

• "Affiliate" means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
• "Country" refers to: Netherlands
• "Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to BudgetWijzer, Koningin Julianaplein 15, 2595 AA, Den Haag, Netherlands.
• "Device" means any device that can access the Service such as a computer, a cellphone, or a digital tablet.
• "Service" refers to the Website.
• "Terms and Conditions" (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
• "Third-party Social Media Service" means any services or content (including data, information, products, or services) provided by a third-party that may be displayed, included, or made available by the Service.
• "Website" refers to BudgetWijzer, accessible from https://budgetwijzer.com
• "You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You must not access the Service.

3. Nature of Services

BudgetWijzer provides educational financial literacy services, budget allocation tools, and general financial guidance. We are not a registered investment advisor, broker-dealer, or tax advisor. The information provided on this website is for informational and educational purposes only and should not be construed as professional financial advice.

You acknowledge and agree that:

• Any financial decisions you make are your sole responsibility.
• We do not guarantee specific results, such as debt reduction or savings growth, as these depend on individual circumstances.
• You should consult with a qualified professional before making complex financial decisions.

4. User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a Third-Party Social Media Service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

5. Privacy Policy and Personal Data

Your use of our Service is also subject to our Privacy Policy. Please review our Privacy Policy, which also governs the Service and informs users of our data collection practices.

Our Privacy Policy outlines the types of personal data we collect, how we use it, and your rights regarding your personal data. By using our Service, you consent to the collection and use of information in accordance with our Privacy Policy.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of BudgetWijzer and its licensors. The Service is protected by copyright, trademark, and other laws of both the Netherlands and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of BudgetWijzer.

7. Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by BudgetWijzer.

BudgetWijzer has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that BudgetWijzer shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

8. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us at [email protected].

9. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall BudgetWijzer, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product.

10. Governing Law

The laws of the Netherlands, excluding its conflicts of law rules, shall govern this Agreement and your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

11. Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

12. Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as otherwise stated herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

13. Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us: