Privacy Policy & Terms and Conditions
Privacy Policy
Ficus Financial (“we,” “our,” or “us”), operated by Beyond the Budget, LLC, respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, and protect your information when you use our website, digital products, spreadsheets, customization services, and future applications.
By using our services, you agree to this Privacy Policy.
Ficus Financial, a product of Beyond the Budget, LLC
Effective Date: 7/24/2025
Information We Collect
We may collect the following types of information:
A. Information you provide directly
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Name, email address, and account information
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Payment and billing details
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Messages, feedback, support requests
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Customization requests and project details
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Any content you submit through forms or communication channels
B. Information collected automatically
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IP address and browser type
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Device information
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Pages visited and time spent
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Referring links and usage behavior
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Cookies and analytics data
How We Collect Information
We collect information when you:
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Create an account
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Purchase products or services
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Request custom spreadsheet or app work
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Contact support
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Browse or interact with our website
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Use analytics-enabled features
We collect data only through lawful and legitimate means.
How We Use Your Information
We use your information to:
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Provide and deliver products and services
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Process payments and transactions
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Deliver custom spreadsheet and design work
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Improve user experience and product performance
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Provide customer support
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Send important updates (account, billing, or service-related)
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Send marketing communications (only where permitted)
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Comply with legal obligations
Data Storage & Security
Our website is hosted on Wix.com and/or similar secure infrastructure providers.
Your data may be stored on secure servers with industry-standard encryption, firewalls, and access controls.
Payments are processed through PCI-DSS compliant third-party providers such as Stripe or PayPal. We do not store full credit card details on our servers.
Cookies & Tracking
We use cookies and similar technologies to:
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Enable site functionality
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Analyze website performance
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Improve user experience
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Support marketing and analytics
You may disable cookies in your browser settings, but some features may not function properly.
Data Sharing
We do not sell, rent, or trade your personal information.
We may share limited data with:
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Payment processors (Stripe, PayPal, etc.)
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Website hosting providers (e.g., Wix)
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Analytics providers
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Legal authorities if required by law
Your Rights
You may:
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Request access to your data
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Request correction or deletion
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Opt out of marketing communications
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Withdraw consent where applicable
To request changes, contact us at our support email.
Updates to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.
Contact Us
For questions, contact us.
Terms and Conditions
By accessing or using our website, products, spreadsheets, customization services, or future applications, you agree to be bound by these Terms.
If you do not agree, do not use our services.
Ficus Financial, a product of Beyond the Budget, LLC
Effective Date: 7/24/2025
Services
We provide:
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Digital financial spreadsheets and templates
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Custom spreadsheet design and branding services
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Financial tracking tools and educational resources
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SaaS and application-based financial tools
All services are for informational and educational purposes only.
Not Financial Advice
We do not provide financial, legal, tax, or investment advice.
All tools are for informational purposes only. You are solely responsible for your financial decisions.
Intellectual Property
All content, templates, spreadsheets, branding, and materials are owned by Beyond the Budget, LLC unless otherwise stated.
You are granted a limited, non-transferable license to use purchased products.
You may NOT:
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Resell or redistribute products
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Share files with third parties outside your license
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Claim ownership of templates or systems
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Remove branding or copyright notices
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Use materials to create competing products
Custom Work & Licensing
For custom spreadsheets and branded work:
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All custom work is delivered based on agreed scope
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Additional revisions or scope changes may incur additional fees
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Payment must be completed before final delivery (unless otherwise agreed)
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Deposits are non-refundable once work begins
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If a project is cancelled after work begins, payment for completed work is still due
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Extended delays from client response may shift timelines
Unless otherwise agreed in writing, Beyond the Budget, LLC retains the right to reuse non-confidential frameworks, systems, and methodologies developed during custom work.
Payments & Refunds
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All prices are subject to change
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Payments are processed through third-party providers
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Unless explicitly stated, all sales are final
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Chargebacks for delivered digital goods or services may be disputed with supporting documentation
User Accounts
You are responsible for:
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Maintaining account security
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All activity under your account
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Providing accurate information
We reserve the right to suspend or terminate accounts for misuse or violation of terms.
Limitation of Liability
To the maximum extent permitted by law:
Ficus Financial and Beyond the Budget, LLC are not liable for any:
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Indirect or consequential damages
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Financial losses
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Data loss
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Business interruptions
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Decisions made using our tools
All services are provided “as is” without warranties. To the fullest extent permitted by law, we are not liable for any errors, inaccuracies, or miscalculations in formulas, outputs, projections, or automated results generated by our products or services. All outputs are provided for informational purposes only and should not be relied upon as absolute or error-free.
Termination
We may suspend or terminate access to services at any time for violation of these Terms.
Governing Law
These Terms are governed by the laws of the State of Utah, United States.
11. Changes
We may update these Terms at any time. Continued use of services constitutes acceptance of updates.
Contact
For questions, please contact us.