Terms of Use

By accessing and using the website simple-budget-web.com (the "Site"), you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please discontinue use of the Site immediately.

These Terms of Use apply to all visitors and users of the Site, regardless of the manner in which they access it. They govern your use of all content, features, and services available through the Site.

Simple Budget reserves the right to modify these terms at any time. Changes take effect upon publication on this page. Continued use of the Site after any modification constitutes your acceptance of the updated terms.

All content published on this Site is strictly informational and educational in nature. Simple Budget provides general information about financial education approaches, age-appropriate financial concepts for children, and frameworks for structuring family conversations about money.

Nothing on this Site constitutes financial advice, investment advice, legal advice, or any other form of professional advice tailored to your individual circumstances. The information provided is general in nature and is not a substitute for personalised professional guidance.

Simple Budget makes no representations or warranties about the accuracy, completeness, or suitability of the information on this Site for any particular purpose. You use the information at your own discretion and risk.

The educational frameworks and guides described on this Site are intended as general starting points. Every family's financial situation and every child's developmental stage is unique. What works in one context may not work in another.

You may access and use this Site for personal, non-commercial, informational purposes only. Specifically, you agree not to:

• Reproduce, distribute, or republish any content from this Site without prior written permission from Simple Budget.
• Use the Site in any way that violates applicable Ecuadorian laws or regulations.
• Attempt to gain unauthorised access to any part of the Site or its underlying systems.
• Use automated tools, bots, or scrapers to extract content from the Site.
• Transmit any harmful, disruptive, or malicious code through the Site.
• Misrepresent your identity or affiliation when using the Site's contact features.

Simple Budget reserves the right to restrict access to the Site for any user who violates these terms or who uses the Site in a manner that is harmful to others or to the integrity of the Site.

All content on this Site, including but not limited to text, graphics, logos, icons, images, and the overall design and compilation of the Site, is the property of Simple Budget or its content suppliers and is protected by applicable intellectual property laws in Ecuador and internationally.

The Simple Budget name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Simple Budget. You may not use these marks without prior written permission.

You are permitted to print or download extracts from this Site for your personal, non-commercial use, provided that you do not modify the content and you retain any copyright or other proprietary notices. Any other use of the content requires written authorisation from Simple Budget.

To the fullest extent permitted by applicable law, Simple Budget shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content.

This includes, without limitation, damages for loss of profits, loss of data, or any other intangible losses, even if Simple Budget has been advised of the possibility of such damages.

Simple Budget does not warrant that the Site will be available at all times, free from errors, or free from viruses or other harmful components. We take reasonable steps to maintain the Site's availability and security but cannot guarantee uninterrupted access.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Ecuadorian law.

This Site may contain links to third-party websites for informational purposes. These links do not constitute an endorsement of those websites or their content. Simple Budget has no control over the content, privacy practices, or availability of external sites.

When you leave this Site via an external link, you are subject to the terms and privacy policies of the destination website. We encourage you to review the terms and privacy policies of any third-party site you visit.

Simple Budget accepts no responsibility for any loss or damage that may arise from your use of external websites linked from this Site.

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Ecuador, including but not limited to the Código Civil, the Ley de Comercio Electrónico, Firmas Electrónicas y Mensajes de Datos, and any other applicable legislation.

Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the competent courts of Ecuador. You agree to submit to the personal jurisdiction of such courts for the purpose of resolving any dispute.

Simple Budget reserves the right to modify, suspend, or discontinue any aspect of this Site at any time without notice. This includes the right to add, remove, or alter content, features, and services.

We may update these Terms of Use from time to time. The date of the most recent revision is shown at the top of this page. We recommend reviewing these terms periodically. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

If you have questions about these Terms of Use, please contact us at info@simple-budget-web.com.