Terms of Service

1. Acceptance of Terms

By accessing or using Budget Tracker (the "Service"), you confirm that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

We reserve the right to modify these terms at any time. We will notify you of significant changes by updating the "Last updated" date. Continued use of the Service after changes constitutes your acceptance.

2. Eligibility

You must be at least 13 years of age to use Budget Tracker. By creating an account, you represent that you meet this requirement. If you are under 18, you should have a parent or guardian's permission.

3. Your Account

You are responsible for:

• Maintaining the confidentiality of your password.
• All activity that occurs under your account.
• Ensuring the email address associated with your account is valid and accessible.

You must notify us immediately if you suspect unauthorised access to your account. We are not liable for losses resulting from unauthorised use of your credentials.

You may not share your account or allow others to use it. Each person must create their own account.

4. Acceptable Use

You agree to use Budget Tracker only for its intended purpose — personal budget and expense tracking. You must not:

• Use the Service for any unlawful purpose or in violation of any regulations.
• Attempt to gain unauthorised access to other users' accounts or data.
• Probe, scan, or test the vulnerability of the Service or its infrastructure.
• Introduce malicious code, viruses, or any software that could disrupt the Service.
• Use automated tools (bots, scrapers) to access the Service without our written consent.
• Attempt to reverse-engineer, decompile, or extract the source code of the Service.

5. Your Data

You retain full ownership of the budget and expense data you enter into the Service. By using Budget Tracker, you grant us a limited, non-exclusive licence to store and display that data to you as part of delivering the Service.

You are responsible for the accuracy of the data you enter. Budget Tracker is a personal tracking tool — it is not a substitute for professional financial advice.

6. Service Availability

We aim to keep Budget Tracker available 24/7, but we do not guarantee uninterrupted service. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.

7. Disclaimer of Warranties

Budget Tracker is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Service will be error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, Budget Tracker and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — the Service, even if we have been advised of the possibility of such damages.

This includes, without limitation, loss of data, loss of profits, or any financial decisions made based on information displayed in the Service.

9. Account Termination

You may delete your account at any time. Upon deletion, all your data will be permanently removed within 30 days.

We reserve the right to suspend or terminate accounts that violate these Terms of Service, without prior notice or liability.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising from the use of this Service shall be subject to the exclusive jurisdiction of the courts in the applicable territory.

11. Contact

If you have questions about these Terms of Service, please contact us. We will do our best to respond in a timely manner.