Legal Disclaimer

All budget calendar planning materials, tutorials, guides, and educational content provided by NeonodeSystem are intended solely for educational and informational purposes. These resources are designed to help individuals understand basic financial planning concepts and develop personal budgeting skills.

Our educational materials should not be considered as professional financial advice, investment recommendations, or guaranteed financial strategies. Individual financial situations vary significantly, and what works for one person may not be suitable for another.

NeonodeSystem, its employees, contractors, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of our educational materials or services. This includes but is not limited to financial losses, missed opportunities, or decisions made based on our content.

While we strive to provide accurate and up-to-date information, NeonodeSystem makes no warranties or representations regarding the completeness, accuracy, or reliability of any content on our website or in our educational materials.

All information is provided "as is" without warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Financial regulations, tax laws, and economic conditions change frequently, and our content may not reflect the most current developments.

Users are responsible for verifying information independently and ensuring that any financial strategies align with current laws and regulations in their jurisdiction. We recommend consulting with qualified professionals before making significant financial decisions.

NeonodeSystem is not a licensed financial advisor, investment firm, or tax preparation service. Our educational content does not constitute professional financial, legal, or tax advice. We strongly recommend consulting with qualified professionals for personalized guidance regarding your specific financial situation.

Our role is purely educational – to provide general information and tools that may help you understand budgeting concepts. We cannot and do not provide personalized financial advice or recommendations specific to your situation.

By using NeonodeSystem's educational materials and services, you acknowledge that financial planning involves inherent risks and that you are solely responsible for your financial decisions. You understand that budgeting success depends on factors including personal discipline, changing life circumstances, and economic conditions.

Our website may contain links to external websites or reference third-party resources for educational purposes. NeonodeSystem does not endorse, control, or assume responsibility for the content, accuracy, or practices of these external sites.

Links to third-party websites are provided solely for convenience and educational value. Users access external sites at their own risk and should review the terms of service and privacy policies of any third-party websites they visit.

NeonodeSystem reserves the right to modify, update, or discontinue any aspect of our educational materials or services without prior notice. We may revise our disclaimer, terms of service, or educational content to reflect changes in our services or legal requirements.

Continued use of our website and educational materials after any modifications indicates your acceptance of the updated terms and conditions. We encourage users to review this disclaimer periodically to stay informed of any changes.