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Terms of Use

Clear Expectations for Using PerfectCents.

These terms describe the current service, user responsibilities, and important limitations.

Last updated August 17, 2026
PerfectCents

LEGAL & TRUST

The ServiceAuthorized UseAccount and Data ResponsibilityNo Professional AdviceAvailability and ChangesOwnership and Contact
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01

The Service

PerfectCents is an independent, manual budgeting and recordkeeping tool. It helps authorized users organize information they provide, view reports, and export their records.

PerfectCents is not a bank, broker, payment processor, financial institution, fiduciary, or professional adviser. It does not move money or verify information against a financial institution.

02

Authorized Use

Use is limited to people approved by the PerfectCents operator or an authorized administrator. Users must provide accurate sign-in information, use only their own workspace, and avoid attempting to access another person’s records or interfere with the service.

03

Account and Data Responsibility

Users are responsible for securing their email account, device, browser session, and downloaded reports. Users should review manually entered and automatically posted records for accuracy and maintain any independent records they consider important.

04

No Professional Advice

Budgets, charts, goals, calculations, and reports are informational tools, not financial, investment, accounting, tax, legal, or credit advice. Decisions should be based on the user’s circumstances and, when appropriate, advice from a qualified professional.

05

Availability and Changes

The service may be updated, interrupted, limited, or discontinued. Features and these terms may change as the product develops. Material changes will be reflected by a revised update date or other reasonable notice.

06

Ownership and Contact

PerfectCents branding, interface, documentation, and original software are operated by RazorFXNetworking.com, subject to applicable third-party licenses.

PerfectCents is operated by RazorFXNetworking.com. Contact: L. Williams, Tulsa, Oklahoma. Visit the contact page for the current public contact channel.

PerfectCents

Making Every Cent Count. Private, manual budgeting for households that want clarity without a bank connection.

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© 2026 RazorFXNetworking.com. All rights reserved.

Contact: L. Williams · Tulsa, Oklahoma

PerfectCents is an independent budgeting and recordkeeping tool. It is not a bank, financial institution, financial adviser, tax adviser, or law firm.