Terms of Service

By using BudgetBuddy, you agree to these terms. We've kept this straightforward because your budgeting time is valuable.

You are responsible for the data you enter into BudgetBuddy. Please ensure that:

• You have the right to enter this financial information
• The information is accurate to the best of your knowledge
• You don't use this app for illegal activities or fraud

The no-account demo uses sample data only for a temporary 5-minute session. If you keep using BudgetBuddy without signing in, your budget is stored only in this browser. Clearing browser data, clearing site data, using privacy-cleanup tools, or losing access to this device can permanently remove browser-only data. BudgetBuddy cannot provide recovery support for browser-only budgets after local browser/device storage is lost. Signing in uses Buddy Cloud as the default encrypted backup path.

We're not liable for any financial decisions you make based on the data in this app.

BudgetBuddy is a tracking tool only. We do not provide:

• Financial advice or investment recommendations
• Tax guidance or accounting services
• Guarantees about your financial future

Always consult a qualified professional for serious financial decisions.

We strive to keep BudgetBuddy working, but we can't guarantee:

• 100% uptime or zero bugs
• That your data will never be lost (always backup important info!)
• Compatibility with every browser or device forever

BudgetBuddy is in beta. We may update, pause, remove, or discontinue features if they are not stable, secure, sustainable, or useful enough to support.

BudgetBuddy Premium is intended to help fund continued development, infrastructure, billing, and Buddy Cloud reliability. Paying for Premium does not make BudgetBuddy a financial advisor and does not guarantee that every planned feature will be built.

• Premium features may change during beta as reliability and user demand become clearer
• Billing is processed through Stripe; BudgetBuddy does not store full card numbers
• If the product does not prove useful enough to sustain itself, development may slow, pause, or stop
• Core data safety, export, and recovery paths will remain the priority while beta testing continues

You own all the data you enter. If you sign in, Buddy Cloud protects your budget by default with an encrypted cloud vault that BudgetBuddy cannot decrypt without your recovery key. The no-account demo uses sample data only for a temporary 5-minute session. If you keep using BudgetBuddy without signing in, your budget remains browser-only.

• Browser-only data can be removed by clearing browser or site data, and BudgetBuddy cannot recover it after local storage is lost
• Buddy Cloud data is encrypted on your device before upload and remains unreadable to BudgetBuddy
• Free Tier Buddy Cloud sync capacity is managed with privacy-minimal sync slots. Account > Devices may link a known browser access record to an existing opaque sync slot hash so you can see and release unmatched slots. Old unmatched sync slots may be released automatically after 2 hours. This link is not a new device identifier and does not include device names, user agents, IP-derived locations, readable budget data, or recovery keys
• You're responsible for saving your recovery key and exporting backups if you want additional recoverability

BudgetBuddy is released under the MIT License. This means:

• You can use, copy, modify, and distribute this software freely
• The software is provided "as is" without warranty of any kind
• The authors are not liable for any claims or damages arising from the software

For the full license text, visit opensource.org/licenses/MIT.

We might update these terms occasionally. If we make significant changes, we'll notify you in the app. Continued use after changes means you accept the new terms.

If you have any questions about these Terms of Service, please reach out: