Terms of Service

Last updated: February 18, 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:

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:

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:

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

6. AI Services, Voice Input, Image Input, and Usage Limits

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

6.1 Voice Input Processing

6.2 Image Input Processing

You are solely and entirely responsible for the content of any images you capture, select, and submit through the App. The Developer does not control, review, filter, or moderate images before they are transmitted to third-party AI services. By using image input features, you acknowledge and agree that:

6.3 User Responsibility for All Submitted Data

You are solely and entirely responsible for all data you provide, enter, speak, capture, select, and submit through the App, regardless of the input method (voice, text, image, or otherwise).

The Developer does not control, review, filter, or moderate any user-submitted data before it is processed or transmitted to third-party services. By using the App, you acknowledge and agree that:

6.4 Usage Limits and Fair Use

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

6.5 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:

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.

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:

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:

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.

Once your data (including text, voice transcriptions, images, and any other content) is transmitted to a third-party service, it is governed solely by that service's terms and privacy policy. The Developer has no control over and assumes no responsibility for how third-party services process, store, retain, secure, or use your data. You use the App and its integration with third-party services at your own risk.

10. App Store Terms

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

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

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:

No method of electronic transmission or storage is 100% secure. The Developer cannot guarantee absolute security of your data and expressly disclaims any warranty that your data will be secure from unauthorized access, breach, or loss, whether stored locally, in the cloud, or processed by third-party services.

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:

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:

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.