Disclaimer

Not Financial or Tax Advice

ibexel Budget is a personal budgeting tool provided for informational purposes only. Nothing on this platform constitutes financial, tax, investment, accounting, or legal advice. The information and calculations presented by this application should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

You should consult a qualified financial adviser, tax professional, or other relevant expert before making any financial decisions.

Tax Rates and Calculations

Tax rates, thresholds, and calculations displayed within this application are estimates only. They are provided for general reference and planning purposes and may not reflect your actual tax liability.

Tax law is complex and varies significantly depending on individual circumstances. In particular, you are responsible for independently verifying:

• Your tax residency status in each relevant jurisdiction
• Any levies, surcharges, or additional taxes that may apply to you
• The application of any tax treaties between countries that may affect your obligations
• Any changes to tax rates or legislation since the data in this application was last updated

We strongly recommend consulting a registered tax professional or the relevant tax authority in your jurisdiction to confirm your obligations.

Exchange Rates

Currency exchange rates displayed within this application are indicative only and are sourced from bundled reference data. They may not reflect current live market rates and should not be used as the basis for currency transactions or financial decisions. For accurate exchange rates, please consult a licensed currency provider or financial institution.

Accuracy of Your Data

You are solely responsible for the accuracy, completeness, and currency of any data you enter into ibexel Budget. The application performs calculations based on the information you provide; any errors or omissions in your input will affect the results. We accept no liability for decisions made on the basis of inaccurate or incomplete data entered by you.

No Warranty

This application is provided "as is" without warranty of any kind. While we endeavour to keep information accurate and up to date, we make no representations or warranties — express or implied — regarding the completeness, accuracy, reliability, or suitability of the information and calculations provided.

Contact

If you have any questions about this disclaimer, please contact us at [email protected].