Last Updated: [July 2025]

Welcome to Moneyment.io. By accessing or using our website (https://moneyment.io), its calculators, templates, services, and content, you agree to be bound by the following Terms and Conditions. Please read them carefully before using the site.

If you do not agree to these terms, you must not access or use the website.

1. Acceptance of Terms

By using Moneyment.io, you confirm that you are at least 18 years of age and capable of entering into a legally binding agreement. These Terms apply to all visitors, users, and others who access or use the website.

2. Services Offered

Moneyment.io offers a variety of personal and business finance tools, including:

  • Budgeting, savings, and investment calculators
  • Debt and loan estimators
  • Excel templates for advanced financial tracking
  • Custom financial tool development on request
  • Informational content, articles, and blog posts
  • Third-party advertisements (e.g., Google AdSense)

These tools are intended for informational and planning purposes only. They do not constitute financial, legal, or investment advice.

3. Disclaimer of Financial Advice

All tools, templates, and content on this site are provided “as-is” for informational use only. While we strive for accuracy, results generated by calculators or templates may not reflect real-world performance.

You should consult a certified financial advisor or tax professional before making any major financial decisions. Moneyment.io is not liable for any financial loss, errors, or misinterpretations resulting from the use of our services.

4. Intellectual Property

All content, design, branding, tools, code, templates, graphics, and written material on Moneyment.io are the intellectual property of Moneyment and its creators unless otherwise noted. You may not reproduce, distribute, modify, or republish any material without express written permission.

Licensed Excel templates are for personal or business use only and must not be resold, redistributed, or repackaged.

5. User Responsibilities

By using our services, you agree not to:

  • Use the site for unlawful or harmful purposes
  • Attempt to breach or bypass site security
  • Misuse our tools, forms, or templates
  • Submit false or misleading information
  • Copy, reverse engineer, or replicate our tools or data
  • Use automation, bots, or scraping methods to extract site content

Violation of these terms may result in access restrictions, legal action, or permanent bans.

6. Third-Party Links and Ads

Moneyment.io may include links to third-party websites or display ads (e.g., Google AdSense). We do not control or endorse these third-party sites and are not responsible for their content, terms, or privacy practices. Interactions with external websites are at your own risk.

7. Data Usage and Privacy

By using this website, you agree to our Privacy Policy, which outlines how we collect, store, and use personal and non-personal data. We use cookies and may collect anonymous usage statistics for analytics and ad targeting.

To learn more, visit our full Privacy Policy.

8. Template Downloads and Custom Orders

Moneyment.io may offer paid or free downloadable Excel templates, and users can also request custom templates or tool development. All files are delivered electronically. Refunds are not offered once files are delivered unless otherwise agreed upon.

By submitting a custom request or form, you agree to provide accurate information and use the files only for the intended purpose.

9. Limitation of Liability

Moneyment.io, its creators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of the site, tools, or templates. This includes but is not limited to financial loss, incorrect calculations, or loss of data.

10. Indemnification

You agree to indemnify and hold harmless Moneyment.io and its affiliates from any claims, damages, liabilities, losses, or expenses (including legal fees) arising out of your use of the site, violation of these Terms, or infringement of any third-party rights.

11. Changes to These Terms

We may update or modify these Terms of Service at any time without prior notice. Changes will be effective immediately upon posting. Continued use of the site after changes constitutes acceptance of the revised terms.

You are responsible for reviewing these Terms regularly.

12. Termination

We reserve the right to suspend or terminate access to the website or its services at our discretion, without prior notice, for any reason, including violation of these Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Country or State], without regard to its conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].

14. Contact Us

If you have any questions about these Terms or anything related to Moneyment.io, please contact us:

Email: moneyment.io@gmail.com
Website: https://moneyment.io