Disclaimer

This Disclaimer applies to everything published under the TidyCents brand — the Money Leak Score, TidyBudget, TidyExpenses, TidyEnvelopes, Budget Plan Agent, Money Reset, printables, worksheets, the TidyCents letter, every article and guide, and any other tool or content offered under the TidyCents name (together, the "Tools"). Please read it before you rely on anything you find here.

1. Information only — not advice

Everything on this site — every Tool, every calculation, every article, every score, and every plan generated by Budget Plan Agent — is provided strictly for general informational and educational purposes. None of it is financial, investment, tax, accounting, or legal advice. None of it is written or reviewed by a licensed financial planner, accountant, or attorney on your behalf. Nothing here takes into account your personal financial situation, your goals, or your risk tolerance, no matter how specific the numbers you enter look.

2. No advisor relationship

Using a Tool, reading an article, or receiving output from Budget Plan Agent does not create a financial-advisor, accountant, attorney, or fiduciary relationship between you and TidyCents, Applings Studio, or DMT STUDIO. We are not your financial advisor. We are not acting in a fiduciary capacity toward you at any point.

3. Not a recommendation to act

Nothing on this site is a recommendation to buy, sell, hold, borrow, lend, spend, save, or invest in any particular way, in any specific account, product, or asset. Budgets, scores, "leaks," suggested adjustments, and action plans generated by the Tools are illustrative outputs based on the numbers you provide — they are not instructions, and we are not telling you what to do with your money. Any decision you make after using a Tool or reading an article is made entirely at your own discretion and your own risk.

4. No guarantee of accuracy or results

We aim for the Tools and articles to be genuinely useful and correct, but we make no warranty — express or implied — that any calculation, benchmark, score, plan, or piece of content is accurate, complete, current, or suitable for your circumstances. Figures you type in are not verified by us. Where a Tool involves AI (such as Budget Plan Agent, which runs inside a third-party chat platform), outputs can vary between sessions and may contain errors — always sanity-check the numbers yourself. Past performance, hypothetical projections, and example scenarios shown anywhere on this site are not a guarantee of any future or personal result.

5. You are responsible for your own decisions

You are solely responsible for any financial, tax, legal, or investment decision you make, whether or not it was informed by a TidyCents Tool or article. We are not liable for any loss, damage, or missed opportunity arising from your use of, or reliance on, the Tools or content — including decisions to spend, save, invest, borrow, or forgo professional advice. If a situation is complex, time-sensitive, or high-stakes — taxes, debt settlement, estate planning, investing, bankruptcy, or anything with legal consequences — talk to a licensed professional before you act.

6. Third-party tools, links, and mentions

Articles and Tools may mention or link to third-party websites, software, or services (for example, government resources, other budgeting apps, or financial institutions). These mentions are for reference only and are not endorsements, and we don't control, verify, or take responsibility for third-party content, pricing, availability, or privacy practices. Visit third-party sites at your own discretion and review their own terms before using them.

7. No professional credentials implied

Neither TidyCents, Applings Studio, nor DMT STUDIO is a registered investment advisor, broker-dealer, accounting firm, or law firm, and nothing on this site should be interpreted as implying otherwise. Any professional-sounding output from a Tool (including Budget Plan Agent) reflects the instructions we've written, not a credentialed opinion.

8. Relationship to our other policies

This Disclaimer works alongside, and doesn't replace, our Terms of Use and Privacy Policy — read all three for the full picture. Where this Disclaimer and the Terms of Use both address liability, the broader limitation in the Terms of Use also applies.

9. Changes to this Disclaimer

We may update this Disclaimer from time to time as the Tools and content change. The "Last updated" date above reflects the most recent revision. Continued use of the Tools after a change means you accept the updated Disclaimer.

10. Contact

Questions about this Disclaimer can be sent to hello@applings.studio.