Disclaimer

Educational Content Only

All content, tools, calculators, guides, and resources provided by Butheps are for educational and informational purposes only. They are not intended as financial, legal, or professional advice and should not be relied upon for making financial decisions.

No Financial Advice

Butheps does not provide financial advice, debt counseling services, credit repair services, or personalized financial planning. We do not offer financial products or services of any kind. For specific financial advice regarding debt management, always consult with qualified financial professionals.

Calculator and Tool Limitations

Our debt paydown calculators and educational tools provide examples and estimates only. Results may not reflect actual financial outcomes and should not be used as the basis for financial decisions. Factors affecting debt repayment include:

• Changes in interest rates over time
• Variations in minimum payment requirements
• Personal financial circumstances and income changes
• Additional fees, penalties, or charges
• Tax implications of debt management strategies

No Guarantees or Warranties

We make no representations or warranties about the accuracy, completeness, or reliability of the information provided. Debt management outcomes vary significantly based on individual circumstances, and we cannot guarantee any specific results.

Individual Circumstances Vary

Every person's financial situation is unique. What works for one person may not be appropriate for another. Factors to consider include:

• Total debt amounts and types
• Income stability and amount
• Credit score and history
• Emergency fund status
• Family and dependent obligations
• Provincial and federal tax considerations

Professional Consultation Recommended

Before implementing any debt management strategy, we strongly recommend consulting with:

• Licensed financial advisors or planners
• Non-profit credit counseling services
• Qualified accountants for tax implications
• Legal professionals if facing serious debt issues

No Affiliation Disclaimer

Butheps is not affiliated with any banks, credit unions, debt management companies, credit counseling services, or financial institutions unless explicitly stated. We do not receive compensation for recommending specific financial products or services.

Canadian Context

While our content focuses on Canadian debt scenarios, laws, regulations, and financial practices vary by province and territory. Always verify information with local financial professionals and relevant regulatory bodies.

Use at Your Own Risk

Your use of our educational tools and information is at your own risk. We are not responsible for any financial decisions made based on the information or calculations provided on our website.

External Links and Resources

Our website may contain links to external educational resources and websites. We are not responsible for the content, accuracy, privacy practices, or availability of these external sites.

Updates and Changes

Information on our website may be updated or changed at any time without notice. Debt management strategies and financial best practices evolve, so we recommend checking for the most current information regularly.

Emergency Financial Situations

If you are facing serious financial hardship, bankruptcy, or legal action related to debt, seek immediate professional help from qualified financial counselors, legal professionals, or licensed insolvency trustees.

Contact Us

If you have questions about this disclaimer or our educational services, please contact us through our contact form.