Terms of Service
Last updated: February 2025
1. Acceptance of Terms
By accessing or using BudgX ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
2. Description of Service
BudgX is an AI-powered personal finance application that helps you budget, track spending, set goals, and get insights about your finances. The Service includes features such as transaction categorization, budget suggestions, goal tracking, and an AI chat assistant.
3. Account and Registration
You must create an account to use most features. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must provide accurate information and notify us of any unauthorized access.
4. Use of the Service
You agree to use the Service only for lawful purposes and in accordance with these terms. You may not misuse the Service, attempt to gain unauthorized access, interfere with the Service's operation, or use it to harm others. The AI features are for personal finance guidance only and do not constitute professional financial, legal, or tax advice.
5. Your Data
You retain ownership of your data. By using the Service, you grant us a license to process your data to provide the Service, as described in our Privacy Policy. We use your transactional and budget data to power AI features and insights.
6. Subscription and Payments
Some features may require a paid subscription. Fees, billing cycles, and cancellation terms will be presented at the time of purchase. Refunds are subject to our refund policy.
7. Termination
You may close your account at any time. We may suspend or terminate your access if you violate these terms. Upon termination, your right to use the Service ceases, but provisions that by their nature should survive will remain in effect.
8. Disclaimer
The Service is provided "as is" and "as available." We do not guarantee accuracy, completeness, or fitness for a particular purpose. AI-generated content may be incorrect. Always verify important financial decisions with qualified professionals.
9. Limitation of Liability
To the maximum extent permitted by law, BudgX and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.
10. Changes
We may update these terms from time to time. We will notify you of material changes via email or in-app notice. Continued use after changes constitutes acceptance.
11. Contact
For questions about these terms, contact us at support@budgx.app or through the app.