### 1. Scope of Use

These terms and conditions describe the permitted use of the website, limited to informational access regarding startup budget planning and related concepts. No content constitutes advice, recommendation, or endorsement.

### 2. Permitted Use

All users agree to access content solely for general informational purposes. No section is intended for personalized or professional guidance.

### 3. User Responsibility

Users are responsible for their engagement with the site and should independently verify any information as needed.

All site content is subject to change or removal at any time without prior notice. Updates may occur to reflect changing practices or legal requirements.

No warranties or guarantees are provided regarding the accuracy, completeness, or suitability of content for any particular purpose.

No part of the website constitutes legal, financial, or professional advice. Users should seek appropriate guidance from qualified professionals for specific issues.

Liability for the use of information from the site is strictly limited according to Philippine law. No indemnity is offered by the site or its operators.

Intellectual property rights for site content are retained by the website and its contributors. No content may be reproduced or redistributed without permission.

### 9. Governing Law

Any disputes relating to the use of the site are governed exclusively by Philippine law and jurisdiction. No other legal authority applies.

If any provision is found invalid or unenforceable, the remainder of the terms will continue to be effective and enforceable.