Terms of Service

Last Updated: January 2025

1. Acceptance of Terms

By accessing or using BudgetApp ("Service", "App", "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

BudgetApp provides personal and household budget management tools, including but not limited to:

  • Budget creation and management
  • Expense and income tracking
  • Household budget sharing and collaboration
  • Financial goal setting and monitoring
  • Spending alerts and notifications
  • Financial reports and insights

3. User Accounts

3.1 Account Creation

When you create an account with us, you must:

  • Be at least 13 years of age (or the age of majority in your jurisdiction)
  • Provide accurate, complete, and current information
  • Maintain and promptly update your account information
  • Maintain the security of your password and account
  • Accept all responsibility for all activities under your account

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You must immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to maintain account security.

3.3 Account Termination

We reserve the right to terminate or suspend your account at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

4. Acceptable Use Policy

You agree not to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Violate or infringe upon the rights of others
  • Upload or transmit viruses, malware, or any other malicious code
  • Attempt to gain unauthorized access to any portion of the Service
  • Interfere with or disrupt the Service or servers
  • Collect or harvest any personally identifiable information from the Service
  • Use automated systems to access the Service without permission
  • Impersonate any person or entity or misrepresent your affiliation
  • Share your account credentials with third parties
  • Use the Service to transmit spam or unsolicited communications

5. Subscription and Payments

5.1 Free and Paid Services

BudgetApp offers both free and paid subscription plans. Some features may be limited to paid subscribers. We reserve the right to modify our pricing and subscription plans at any time.

5.2 Billing

Paid subscriptions are billed on a recurring basis (monthly or annually). By subscribing, you authorize us to:

  • Charge your payment method on a recurring basis
  • Update your payment information as provided by payment processors
  • Automatically renew your subscription until cancelled

5.3 Cancellation and Refunds

You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing period. We offer refunds within 30 days of purchase for annual subscriptions, and within 7 days for monthly subscriptions, subject to our refund policy.

5.4 Free Trial

We may offer free trial periods for paid subscriptions. You may cancel during the trial period without charge. If you do not cancel before the trial ends, you will be automatically charged for the subscription.

6. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by BudgetApp and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of any content you submit to the Service (your financial data, budgets, etc.). By using the Service, you grant us a limited license to use, store, and process your content solely to provide the Service to you.

7. Data Accuracy and Financial Advice

Not Financial Advice: BudgetApp is a budgeting tool and does not provide financial, investment, tax, or legal advice. All information provided is for informational purposes only.

Your Responsibility: You are responsible for the accuracy of all data you enter into the Service. We do not verify the accuracy of your financial information.

Consult Professionals: For professional financial advice, please consult with a qualified financial advisor, accountant, or attorney.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Implied warranties of merchantability or fitness for a particular purpose
  • Non-infringement or course of performance
  • Accuracy, completeness, or reliability of the Service
  • The Service will be uninterrupted, timely, secure, or error-free

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL BUDGETAPP, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

  • Your access to or use of (or inability to access or use) the Service
  • Any unauthorized access to or use of our servers or your personal information
  • Any bugs, viruses, or the like that may be transmitted through the Service
  • Any errors or omissions in any content or for any loss or damage incurred

10. Indemnification

You agree to defend, indemnify, and hold harmless BudgetApp and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any content you submit to the Service.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the courts of [Your Jurisdiction].

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms.

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and BudgetApp concerning the Service.

15. Contact Us

If you have any questions about these Terms of Service, please contact us:

  • Email: legal@budgetapp.com
  • Support: support@budgetapp.com
  • Website: www.budgetapp.com/contact

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.