Terms of Use (EULA) - Budget Buddy

Effective date: March 15, 2026

This page serves as the End-User License Agreement for Budget Buddy on the Apple App Store and Google Play.

Related documents: Privacy Policy and EULA direct link.

Acceptance of Terms

By downloading, installing, or using Budget Buddy ("the App"), you agree to these Terms of Use. If you do not agree, do not use the App.

Description of the App

Budget Buddy is a personal finance management application. All financial data you enter is stored locally on your device. The App offers optional features such as cloud backup (via your own Google Drive), social features (friend sync, shared transactions), and AI-powered assistance.

User Responsibilities

You are responsible for maintaining the security of your device and any data stored on it.
You must not use the App for any unlawful purpose or in any way that could damage, disable, or impair the App.
You are responsible for the accuracy of the financial data you enter.

AI Features & Third-Party Services

The App offers optional AI-powered features (Agent chat, voice transcription, receipt recognition) that require you to provide your own API key for a supported third-party AI provider (OpenAI or Google Gemini). By enabling these features and granting consent in the App's AI Settings, you agree that:

Content you submit through AI features (text messages, voice recordings, receipt photos, and conversation context) will be sent directly from your device to the AI provider you select.
Your use of third-party AI services is subject to that provider's own terms of service and privacy policy.
Budget Buddy is not responsible for how third-party AI providers process your data once it is transmitted.
You can disable AI features and revoke consent at any time via the App's AI Settings.

Subscriptions & Payments

Budget Buddy may offer optional paid subscriptions ("Pro") through Apple App Store or Google Play Store. Available plans, billing period, and localized price are shown in the app before purchase.

Subscriptions renew automatically unless you cancel through your store account settings before the current billing period ends.
Billing, renewal, cancellation, refunds, and account charging are managed by Apple or Google under the terms of the store you use.
Links to the Privacy Policy and this Terms of Use (EULA) are also available inside the app's Pro subscription screen.

Intellectual Property

All rights, title, and interest in the App (excluding user-entered data) belong to Ivan Taranov. You may not copy, modify, distribute, or reverse-engineer the App.

Disclaimer of Warranties

The App is provided "as is" without warranties of any kind. We do not guarantee that the App will be error-free, uninterrupted, or suitable for any particular financial purpose. Budget Buddy is not a financial advisor and does not provide financial advice.

Limitation of Liability

To the maximum extent permitted by applicable law, Ivan Taranov shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App, including but not limited to financial losses based on data entered into the App.

Changes to These Terms

We may update these Terms of Use from time to time. Changes will be reflected in the App or on this page with an updated effective date. Continued use of the App after changes constitutes acceptance of the revised terms.

Governing Law

These Terms are governed by the laws of Poland and the European Union.

Contact

If you have questions about these Terms, please contact us at korsour@gmail.com.