The information contained in BudgetEXL is intended solely to provide general guidance on matters of interest for the personal use of the original recipient, who accepts full and sole responsibility for its use. The information is provided with the understanding that the authors and publishers are not herein engaged in rendering legal, accounting, tax, or other professional advice or services. As such, it should not be used or relied upon as a substitute for consultation with these professionals who understand your personal situation.

While BudgetEXL has attempted to ensure the information contained in this document has been obtained from reliable sources and has been prepared accurately, BudgetEXL is not responsible for any errors or omissions, or for the results obtained from the use of the information included in this document. All information is provided “as is,” with no guarantee of completeness, accuracy, timeliness, relevancy or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. Nothing herein shall to any extent substitute for the independent investigations and the sound technical and business judgement of the reader. Laws and regulations are continually changing, and can be interpreted only in light of particular factual situations. BudgetEXL does not make and will not be responsible for updating the contents of this document following initial release to the original recipient.

The original recipient of this document accepts full responsibility for its use and by using the document agrees that it will fully indemnify and hold BudgetEXL harmless. This document should not be considered professional tax, accounting or other advice and should only be used for informational purposes to inform the user when consulting with professionals who understand each users personal situations and context.

This document is proprietary to BudgetEXL. The original recipient, defined as the original person who purchased the document from BudgetEXL, is the only person or party allowed to use it, for individual use. Not to be re-sold, repackaged, or shared or the original recipient will be subject to civil damages. Tax figures presented herein are basic calculations only and does not account for all possible deductions and does not intend to be tax advice nor should it be construed as such. All taxation and other calculations are for illustrative purposes only.