📌 Please read these Terms carefully. By accessing or using OsasuOnline at osasu.online, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our website or use our services.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and osasu.online ("Company," "we," "us," or "our"), the operator of the OsasuOnline website and Financial Calculators tool accessible at https://osasu.online.
By visiting our website, using our budget planning tool, subscribing to our newsletter, or otherwise engaging with our content, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Disclaimer, all of which are incorporated herein by reference.
OsasuOnline provides a free, browser-based monthly budget planning tool that allows users to:
All core services are provided free of charge. We reserve the right to modify, suspend, or discontinue any feature or the entire service at any time without prior notice.
By using our Services, you represent and warrant that:
You agree to use OsasuOnline only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit anyone's use of the website. Prohibited activities include, but are not limited to:
We reserve the right to restrict or terminate your access to our website if we believe you have violated any of these provisions.
Unless otherwise indicated, the OsasuOnline website — including its design, layout, text content, graphics, logos, code, and all other materials — is the exclusive intellectual property of osasu.online and is protected by applicable copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our website for personal, non-commercial purposes. This license does not include the right to:
Any unauthorized use terminates the license granted by us and may violate copyright, trademark, and other laws.
THE BUDGETWISE WEBSITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OSASU.ONLINE, ITS OPERATORS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
Our total cumulative liability for any claim arising out of or relating to these Terms or our Services shall not exceed the amount you paid us (if any) in the twelve months preceding the claim.
The content published on OsasuOnline — including articles, tips, guides, and tool outputs — is provided for general informational and educational purposes only. It does not constitute professional financial, investment, tax, legal, or accounting advice.
The budget calculations generated by our tool are based solely on the data you input. We make no representations or warranties about the accuracy of results for your specific financial situation. You should always consult a qualified financial advisor, accountant, or other professional before making significant financial decisions.
Our website may contain links to third-party websites, tools, or services that are not owned or controlled by osasu.online. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We strongly advise you to review the privacy policy and terms of every website you visit.
The inclusion of any link does not imply our endorsement of the linked website. Use of any third-party website is at your own risk.
OsasuOnline displays advertisements served by Google AdSense. These advertisements help us maintain the website free of charge for all users. By using our website, you consent to the display of such advertisements. We do not endorse the products or services advertised and are not responsible for the content of third-party advertisements.
We reserve the right to modify our advertising practices at any time. For information about how Google uses data in connection with advertising, please visit Google's advertising policy.
We reserve the right to suspend or terminate your access to our website and services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason.
Upon termination, your right to use our Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, indemnity, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Nigeria.
If you are a consumer located in the European Union, you also have the right to seek redress through the EU's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
We reserve the right to modify these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must cease using our website.
If you have any questions about these Terms and Conditions, please contact us: