Disclaimer

The information provided on the True North Budgeting website and within the True North Budgeting application is for general informational purposes only. By using our website or application, you acknowledge and agree to the terms of this Disclaimer.

1. Brand Identity and Ownership

Cash Compass LLC operates under the True North Budgeting brand. The company is registered in the United States with registration number 23914005. All brand assets, including the True North Budgeting name, logo, and associated materials, are the exclusive property of Cash Compass LLC.

2. No Financial Advice

True North Budgeting is a personal financial management tool. It is not a financial advisor, tax consultant, investment platform, or legal service. The application and website do not provide financial, investment, tax, or legal advice. Any financial decisions you make based on information or tools provided by True North Budgeting are made at your own risk and discretion.

We strongly recommend consulting with qualified financial professionals before making significant financial decisions.

3. Limitation of Liability

To the fullest extent permitted by applicable law, Cash Compass LLC, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of or inability to use the website or application
• Any errors, inaccuracies, or omissions in the content or functionality
• Loss of data, including financial data stored locally on your device
• Any unauthorized access to or alteration of your device or data
• Any financial decisions made based on information provided by the Service
• Any interruption or cessation of the Service

You acknowledge that the application operates offline and stores data locally on your device. Cash Compass LLC is not responsible for data loss resulting from hardware failure, software conflicts, or user error. You are solely responsible for maintaining backups of your data.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information on our website and in our application, Cash Compass LLC makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website or in the application.

Any reliance you place on such information is strictly at your own risk. We reserve the right to make changes to the website and application content at any time without notice.

5. Intellectual Property

All content on the True North Budgeting website and within the application, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Cash Compass LLC or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The True North Budgeting name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Cash Compass LLC. You may not use such marks without the prior written permission of Cash Compass LLC.

6. Third-Party Content and Links

Our website may contain links to third-party websites or services that are not owned or controlled by Cash Compass LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

The inclusion of any link does not imply endorsement, approval, or recommendation by Cash Compass LLC. You acknowledge and agree that Cash Compass LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services.

7. RSS Feeds

If you use RSS feeds provided by True North Budgeting, the following conditions apply:

• RSS content may not be modified, deleted, or fully redistributed without permission.
• Links within RSS feeds must direct to the True North Budgeting website.
• Attribution must include 'News by True North Budgeting' or display the company logo unmodified.
• Cash Compass LLC reserves the right to discontinue RSS feeds at any time.

8. Submissions

Any materials, ideas, suggestions, or other content you submit to Cash Compass LLC through the website or by any other means grant Cash Compass LLC a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, publish, translate, distribute, and display such content in any media.

9. Confidential Information and Privacy

For information about how we collect, use, and protect your personal data, please refer to our Privacy Policy . Our privacy practices are governed by our Privacy Policy, which is incorporated into this Disclaimer by reference.

10. Linked Sites

Our website may contain links to third-party websites that are independently developed and maintained. Cash Compass LLC does not warrant the accuracy, completeness, or usefulness of the content on linked sites and does not endorse or assume responsibility for their content or practices. Accessing linked sites is at your own risk.

11. Use at Your Own Risk

Your use of the True North Budgeting website and application is at your sole risk. The Service is provided on an "as is" and "as available" basis. Cash Compass LLC expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

12. Indemnification

You agree to defend, indemnify, and hold harmless Cash Compass LLC, its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from your breach of these terms, your use of the website, or any violation of applicable law.

13. Recourse

If you are dissatisfied with the True North Budgeting website or any of its content, your sole and exclusive remedy is to discontinue using the website. This constitutes your complete and exclusive remedy.

14. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Arizona, United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona.

15. Changes to This Disclaimer

Cash Compass LLC reserves the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website or application after any changes constitutes your acceptance of the revised Disclaimer.

16. Miscellaneous Terms

Cash Compass LLC reserves the right to amend this Disclaimer at any time without prior notice. These terms constitute the entire agreement between you and Cash Compass LLC regarding the subject matter herein. The failure of Cash Compass LLC to enforce any provision shall not be construed as a waiver of such provision. All documents and communications are provided in English.

17. Contact

If you have questions about this Disclaimer, please contact us: