Terms of Service

Acceptance of Terms

By accessing and using butheps.digital, you accept and agree to be bound by the terms and provision of this agreement.

Description of Service

Butheps provides free educational resources about debt management strategies, specifically focusing on debt paydown methods like the snowball and avalanche approaches. Our tools and guides are for informational and educational purposes only.

Educational Content Only

All content, tools, calculators, and guides provided are for educational purposes and general information only. They do not constitute financial, legal, or professional advice. We do not provide financial services, debt counseling, or personalized financial planning.

No Financial Advice

Butheps does not provide financial advice, debt counseling services, or personalized financial recommendations. All information is educational in nature. For specific financial advice regarding debt management, always consult with qualified financial professionals.

Calculator and Tool Accuracy

While we strive to provide accurate educational tools, all calculations and results are examples only and should not be relied upon for actual financial decisions. Always verify calculations independently and consult professionals for personalized advice.

User Responsibilities

You agree to:

• Use the service for educational and lawful purposes only
• Provide accurate information when contacting us
• Not misuse or attempt to gain unauthorized access to our systems
• Understand that all content is educational, not personalized advice
• Seek professional advice for your specific financial situation

Limitation of Liability

Butheps shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our educational resources, even if we have been advised of the possibility of such damages. This includes any financial decisions made based on our educational content.

No Warranties

Our educational resources are provided "as is" without warranties of any kind. We make no representations about the accuracy, completeness, or suitability of the information for any particular purpose.

Intellectual Property

The content, tools, and design of this website are owned by Butheps or its licensors and are protected by copyright and other intellectual property laws. You may use our educational resources for personal, non-commercial learning purposes.

Third-Party Links

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

Modifications

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the service constitutes acceptance of the modified terms.

Governing Law

These terms shall be governed by and construed in accordance with Canadian law, without regard to conflict of law principles.

Contact Information

For questions about these Terms of Service, please contact us through our contact form.