These Terms of Service & Disclaimer explain the rules for using The Cozy Budget. We’ve kept the legal bits as readable as we can, but they’re still important — please take a moment to read them.
Effective date: June 3, 2026
The Cozy Budget (thecozybudget.com) is operated by Fuente Empresarial S.A.S. (“we,” “us,” or “our”). The terms below govern your access to and use of this website (the “Site”) and all content on it.
Acceptance of these terms
By accessing or using the Site, you agree to be bound by these Terms of Service & Disclaimer and by our Privacy Policy. If you do not agree with any part of these terms, please do not use the Site. We may update these terms from time to time, and your continued use of the Site after changes are posted means you accept the revised terms.
Educational content only — not financial advice
The Cozy Budget provides general educational and informational content only. Nothing on this Site is, or should be taken as, financial, investment, tax, accounting, or legal advice.
Nora shares her personal experiences, opinions, and general money-education content to help you think more clearly about your finances. She is not a licensed financial advisor, certified financial planner, accountant, tax professional, or attorney, and no content on the Site creates a professional–client relationship of any kind. The information here is general in nature and does not take into account your individual circumstances, goals, or needs.
Before making any financial decision, you should consult a qualified professional who can review your specific situation. You are solely responsible for your own financial choices and their outcomes.
No guarantees of results
Everyone’s financial situation is different. While we share strategies and stories that worked for us and others, we make no promises or guarantees about the results you will achieve. Your outcomes depend on many factors outside our control, including your income, expenses, discipline, and circumstances. Past results — ours or anyone else’s — are not a guarantee of future results. Any examples, numbers, or figures shared on the Site are for illustration only.
Intellectual property
Unless otherwise noted, all content on the Site — including articles, text, graphics, logos, images, and the overall look and feel — is owned by Fuente Empresarial S.A.S. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may read, share links to, and quote brief excerpts of our content with proper attribution and a link back to the original page. You may not republish, reproduce, sell, or distribute our content in whole or in substantial part without our prior written permission. If you’d like to feature or reference our work, email us at hello@thecozybudget.com — we’re usually happy to talk.
Third-party links
The Site may contain links to third-party websites, products, or services that we do not own or control. We provide these links for convenience and information only. We are not responsible for the content, accuracy, policies, or practices of any third-party site, and including a link does not imply our endorsement. When you leave the Site, you do so at your own risk, and we encourage you to review the terms and privacy policies of any site you visit.
Advertising and affiliate links
The Site displays advertising (including Google AdSense) and may contain affiliate links. If you click an affiliate link and make a purchase, we may earn a small commission at no additional cost to you. This never affects the price you pay, and it never changes what we honestly recommend. For full details, please see our Advertising & Affiliate Disclosure.
Limitation of liability
To the fullest extent permitted by law, the Site and all content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of accuracy, merchantability, or fitness for a particular purpose. To the fullest extent permitted by law, Fuente Empresarial S.A.S., The Cozy Budget, and its contributors will not be liable for any direct, indirect, incidental, consequential, or other damages arising out of or related to your use of (or inability to use) the Site or its content, including any decisions you make based on that content. Your sole and exclusive remedy if you are dissatisfied with the Site is to stop using it.
Changes to these terms
We reserve the right to modify or replace these Terms of Service & Disclaimer at any time. When we make changes, we will update the “Effective date” above. It is your responsibility to review these terms periodically. Your continued use of the Site after any changes constitutes acceptance of the updated terms.
Governing law
These terms are governed by and construed in accordance with applicable law of the United States, without regard to conflict-of-law principles. Any disputes arising from or relating to the Site or these terms shall be subject to the exclusive jurisdiction of the appropriate courts having authority over such matters. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Contact us
If you have any questions about these terms, please reach out at hello@thecozybudget.com.