Agreement to Terms

By accessing or using the services provided by Home Budget Lab (hereinafter referred to as "the Company", "we", "us", or "our"), you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you should not use our services.

Intellectual Property Rights

All content, features, and functionality on our website, including but not limited to text, graphics, logos, and software, are owned by the Company or licensed to us and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may not use, reproduce, distribute, or create derivative works from any of our content without our prior written permission.

User Restrictions and Acceptable Use

You agree to use our services solely for lawful purposes and in accordance with these Terms. You agree not to:

• Use the service in any way that violates any applicable law or regulation.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the service.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to our services, the server on which our site is stored, or any server, computer, or database connected to our services.

Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) our services.
• Any conduct or content of any third party on our services.
• Any content obtained from our services.
• Unauthorized access, use, or alteration of your transmissions or content.

Disclaimers

Our services are provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that our services will be uninterrupted, secure, or error-free.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the courts located in London, United Kingdom.

Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of any changes by posting the updated Terms on our website. Your continued use of our services after any changes to the Terms constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for any changes.

Contact Information

If you have any questions about these Terms, please contact us:

• Email: contact@homebudgetlab.com
• Phone: +44 20 7946 0958
• Mailing Address: 34 Financial Plaza, Suite 100, London, EC2N 2DB, United Kingdom