Terms of Service

Last updated: January 5, 2026

Please read these Terms of Service ("Terms", "ToS") carefully before using the Budget AI mobile application ("App", "Application", "Service") provided by Budget AI ("Developer", "Company", "We", "Us", "Our"). By downloading, installing, accessing, or using the App, you automatically agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the App.

1. Acceptance of Terms

By installing, accessing, or using the App, you acknowledge that you have read, understood, and agreed to be bound by these Terms. You represent and warrant that you are at least 13 years of age (or the minimum age required in your jurisdiction) and have the legal capacity to enter into this agreement. If you are using the App on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. License and Use Restrictions

The Developer grants you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes in accordance with these Terms.

You agree not to:

• Use the App for any unlawful purpose or in violation of any applicable laws or regulations
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App
• Circumvent, disable, or interfere with security-related features of the App
• Use the App to infringe on the rights of any third party
• Interfere with or disrupt the operation of the App or any servers or networks connected to the App
• Use automated systems, bots, scripts, or other means to access the App or its features
• Attempt to gain unauthorized access to any portion of the App or its related systems
• Use the App in any manner that could damage, disable, overburden, or impair the Service
• Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from the App
• Share, sell, rent, lease, or otherwise transfer your account or subscription to any third party

Users are responsible for the accuracy and legality of all data entered into the App. The App is a financial tracking tool and does not provide financial, investment, tax, or legal advice.

3. Data Storage Options

The App offers different data storage options depending on your preferences:

• Local Storage: By default, all your financial data is stored locally on your device. The Developer has no access to locally stored data and is not responsible for data loss due to device failure, theft, damage, uninstallation, or any other cause.
• Cloud Sync: You may optionally enable cloud synchronization using Appwrite's cloud infrastructure. When you create an account, your data is stored securely using industry-standard encryption. Cloud sync is provided "as is" and the Developer does not guarantee uninterrupted access or data integrity.

You are solely responsible for maintaining backups of your data. The Developer is not liable for any data loss, corruption, or unauthorized access, regardless of the storage method chosen.

4. Subscription-Based Services

The App offers subscription-based services with different tiers:

• Free Tier: Includes limited functionality with advertisements. Features may include restrictions on number of accounts, categories, transactions, AI requests, and access to historical data.
• Premium Tier: Provides enhanced functionality, removes advertisements, and includes additional features. Specific features and limitations are described in the App and may change at any time.

The Developer reserves the right to modify, limit, or discontinue any features of any subscription tier at any time, with or without notice. The Developer may introduce new tiers, modify existing tiers, or change the features included in each tier at its sole discretion.

5. Pricing, Payment, and Renewal

• Subscription-based services are auto-renewable and may be billed monthly or yearly
• Yearly subscriptions may offer a discounted price compared to monthly subscriptions
• Subscription prices are specified in the Application Store and are subject to change at the Developer's discretion
• Prices may not include applicable taxes, which vary by region
• Subscriptions renew automatically unless canceled at least 24 hours before the end of the current billing period
• You may cancel your subscription at any time via your Application Store account settings
• Upon cancellation, access to Premium features remains available until the end of the current billing period
• Payments are processed through the Application Store; we do not store or process your payment information
• All subscription payments are non-refundable, except as required by law or the policies of the Application Store
• Refunds, if applicable, are handled according to the respective app store policies (Apple App Store or Google Play Store)

6. AI Services, Voice Input, and Usage Limits

The App provides AI-powered features including voice input processing and transaction categorization. These features are subject to the following terms:

6.1 Voice Input Processing

• Voice input features use speech recognition to transcribe your voice into text
• Transcription may be performed locally on your device or via third-party services
• AI services (including but not limited to OpenAI, OpenRouter, or local LLM) are used to interpret and categorize transactions from voice input
• AI interpretation may not always be accurate; users must verify all transactions created via voice input
• Voice recordings are processed in real-time and are not stored by the Developer
• Microphone access is required for voice features and can be revoked in device settings at any time

6.2 Usage Limits and Fair Use

To ensure fair use and prevent abuse, the App implements reasonable limits on AI-powered features:

• Free Tier users are subject to daily and/or monthly limits on voice input requests and AI processing
• Premium Tier users may have higher limits but are still subject to fair use policies
• Specific limits are determined by the Developer and may be adjusted at any time without prior notice
• The Developer reserves the right to implement, modify, or remove usage limits at its sole discretion
• Exceeding usage limits may result in temporary or permanent restriction of AI features

6.3 AI Service Restrictions

The Developer reserves the right to restrict, suspend, or terminate access to AI-powered features at any time, for any reason, including but not limited to:

• Suspected abuse, fraud, or violation of these Terms
• Excessive usage that impacts service quality for other users
• Technical issues, maintenance, or service provider limitations
• Changes in third-party AI service availability or pricing
• Any other reason deemed necessary by the Developer to protect the Service or its users

The Developer is not obligated to provide any specific level of AI service availability and may discontinue AI features entirely at any time.

7. Service Availability and No Guarantees

THE APP AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OR GUARANTEES OF ANY KIND.

• The Developer does not guarantee that the Service will be available, uninterrupted, secure, or error-free at any time, including during your subscription period
• Service may be temporarily or permanently unavailable due to maintenance, updates, technical issues, third-party service outages, or any other reason
• The Developer does not guarantee any specific uptime, response time, or service level
• Features may be modified, limited, or removed without prior notice
• The Developer is not responsible for any losses arising from service unavailability or interruption
• Payment of subscription fees does not guarantee continuous access to the Service or any specific features
• The Developer may suspend or terminate the Service or any part thereof at any time, with or without notice

By using the App and purchasing a subscription, you acknowledge and accept that service availability is not guaranteed for any period, including the duration of your paid subscription.

8. Account Responsibilities

If you create an account or use cloud sync features, you are responsible for:

• Maintaining the confidentiality of your account credentials and password
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Providing accurate and current account information
• Complying with all applicable laws and these Terms while using your account

You must not share your account credentials with others or allow others to access your account. We reserve the right to suspend or terminate accounts that violate these Terms or are used for unauthorized purposes.

9. Third-Party Services

The App utilizes third-party services that have their own Terms and Conditions:

• Sentry - Error tracking and performance monitoring
• Google AdMob - Advertising services
• Appwrite - Backend services and cloud infrastructure
• OpenAI - AI processing services
• OpenRouter - AI model routing service
• DigitalOcean - Cloud infrastructure

The Developer is not responsible for any service interruptions, data loss, security breaches, or other issues caused by third-party service providers. Third-party services are subject to their own terms and conditions, and the Developer makes no representations or warranties regarding their availability, accuracy, or reliability.

10. App Store Terms

The App is subject to the standard terms and conditions set forth by the respective app stores:

• For iOS users: Apple App Store Terms and Conditions
• For Android users: Google Play Store Terms of Service

By downloading or using the App, you acknowledge that you have reviewed and agreed to the Application Store's terms of service.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE DEVELOPER ASSUMES NO LIABILITY WHATSOEVER:

• The Developer shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or any other damages arising out of or relating to the use or inability to use the App
• The Developer shall not be liable for any loss of profits, revenue, data, use, goodwill, business opportunities, or other intangible or tangible losses
• The Developer does not guarantee the accuracy, completeness, reliability, or availability of any information, features, or services provided by the App
• In no event shall the Developer have any liability to you or any third party for any reason whatsoever, regardless of the form of action or legal theory
• You expressly understand and agree that you use the App at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy, and effort is with you

The App is a tool for personal finance tracking only. Users are solely responsible for their financial decisions. The Developer is not responsible for:

• Any financial decisions made based on App data or AI-generated suggestions
• Data loss due to device failure, theft, uninstallation, cloud service issues, or any other causes
• Service interruptions, errors, or unavailability of the App or any features
• Inaccuracies in AI-generated categorizations, interpretations, or suggestions
• Unauthorized access to your account or data
• Actions taken by third-party service providers
• Any damages resulting from your reliance on the App or its features

12. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND.

The Developer expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to:

• Any implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranties that the App will meet your requirements or achieve intended results
• Any warranties that the App will be compatible or work with other software, services, or devices
• Any warranties that the App will operate without interruption, be secure, or be error-free
• Any warranties regarding performance, reliability, or accuracy of the App or its features

13. Intellectual Property

The App, including all its content, features, functionality, design, graphics, and code, is owned by the Developer and is protected by intellectual property laws. Unauthorized copying, modification, distribution, or creation of derivative works is strictly prohibited. You acknowledge that you have no ownership or intellectual property rights in the App.

14. Termination

We may terminate or suspend your access to the App immediately, without prior notice or liability, for any reason whatsoever, including without limitation:

• Breach of these Terms
• Suspected fraud, abuse, or illegal activity
• Excessive usage or violation of fair use policies
• Request by law enforcement or government agencies
• Discontinuation or material modification of the Service
• Technical or security issues
• Any other reason at our sole discretion

Upon termination, your right to use the App will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Force Majeure

The Developer shall not be held responsible for any failure or delay in performance due to events beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, labor conditions, power failures, internet disturbances, hardware or software failures, third-party service outages, natural disasters, pandemics, or government actions.

Additionally, the Developer is not liable for any loss of data resulting from actions taken by the user, including but not limited to deletion of app data, device reset, or uninstallation of the App.

16. Indemnification

You agree to indemnify, defend, and hold harmless the Developer, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from:

• Your use of and access to the App
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Your violation of any applicable laws or regulations
• Any content or data you submit or transmit through the App

17. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Developer is legally registered, without regard to its conflict of law provisions. Any legal disputes or claims arising from the use of the App shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.

In the event of a legal dispute, the parties agree to first attempt to resolve the matter through good-faith negotiations. If an amicable resolution cannot be reached, the dispute shall be submitted to binding arbitration conducted by a mutually agreed-upon arbitrator.

18. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the use of the App shall be resolved through negotiation and, if required, through binding arbitration. You agree to waive any right to participate in class action lawsuits or class-wide arbitration.

19. Severability

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

20. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by the Developer, constitute the entire agreement between you and the Developer regarding the use of the App. These Terms supersede any prior agreements or understandings.

21. Changes to Terms

The Developer reserves the right, at its sole discretion, to modify or replace these Terms at any time. We will notify users of significant changes through the App or by updating this page. Your continued use of the App after changes constitutes acceptance of the new Terms. You are advised to review these Terms periodically for any changes.

22. Contact Us

If you have any questions or concerns regarding these Terms, please contact us at appsupp@yahoo.com.

By installing, accessing, or using the App, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service, including all limitations of liability, disclaimers, and the acknowledgment that service availability is not guaranteed.