Terms & Conditions | BudgetGoal: Budget Planner

Eligibility

You must be legally capable of agreeing to these Terms.

Where required by applicable law, a person under the relevant legal age may use the Application only with the permission and involvement of a parent or legal guardian.

Licence to use the Application

We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the Application for lawful, personal and non-commercial purposes, subject to these Terms.

The Application is licensed, not sold.

Except where permitted by applicable law, you may not:

copy, reproduce, distribute, sell, rent, lease or sublicense the Application;
modify, adapt, translate or create derivative works from it;
reverse engineer, decompile, disassemble or attempt to obtain its source code;
bypass or interfere with security, purchase-validation or access-control features;
introduce malicious code;
use automated tools to scrape or interfere with the Application;
use the Application to infringe another person's rights; or
use the Application for an unlawful or fraudulent purpose.

Intellectual property

All intellectual-property rights in the Application, including its software, design, branding, graphics, text, icons, logos and other content, belong to the Service Provider or the relevant rights holder.

Nothing in these Terms transfers ownership of the Application or any intellectual-property rights to you.

Application functionality

BudgetGoal is intended to help users:

record and track budgeting information;
create and monitor savings goals;
record income, savings, spending and outgoing amounts;
estimate the impact of potential purchases;
plan savings contributions;
manage recurring bills;
scan and review receipts;
import supported statement files; and
optionally back up information to personal cloud storage.

The Application may show calculations, estimates, projections, warnings, categories, spending guidance, savings guidance and purchase-impact results based on information entered or approved by you.

Features may vary depending on:

your device;
operating system;
country or region;
Application version;
free or paid access level;
app-store availability; and
the availability of third-party services.

We may add, update, modify, replace, restrict, suspend or remove features for technical, operational, security, legal, commercial or product-development reasons.

No financial advice

BudgetGoal is provided for general budgeting, planning, savings tracking and purchase-impact estimation purposes only.

The Application does not provide financial, investment, credit, tax, legal, accounting or other regulated professional advice.

Any calculation, projection, estimate, warning, category, guidance or result shown by the Application is provided for general informational purposes only. It may be incomplete, inaccurate or unsuitable for your individual circumstances.

You remain responsible for:

checking the information entered into the Application;
reviewing calculations and imported information;
making your own spending and savings decisions; and
obtaining professional advice where appropriate.

You should not rely on the Application as the sole basis for an important financial decision.

Information entered by you

You are responsible for the accuracy, completeness and suitability of information you enter, import, scan or approve within the Application.

The accuracy of the Application's calculations and estimates depends on the information provided.

You are also responsible for maintaining the security of your device and preventing unauthorised access to information stored within the Application.

You must not use the Application to store or process information unlawfully or without any permission required from the relevant person.

Receipt scanning and statement imports

The Application may allow you to scan receipts or import supported files, including CSV, QIF and PDF files.

Text recognition, file parsing and transaction categorisation may produce incomplete or inaccurate results.

Information recognised, extracted or suggested by the Application is shown for you to review. You are responsible for checking it before saving or relying on it.

We do not guarantee that:

every receipt will be recognised correctly;
every file will import successfully;
every transaction will be interpreted correctly;
every suggested category will be appropriate; or
imported information will be complete or error-free.

You should keep original documents where they are important for financial, tax, legal or accounting purposes.

Local storage and data loss

Core budgeting information is normally stored locally on your device.

You are responsible for maintaining access to your device and taking reasonable precautions against accidental loss, damage, theft, reset or failure.

Information may be lost if you:

uninstall the Application;
clear its storage;
reset the Application;
lose or damage your device;
replace your device without transferring or restoring information;
lose access to your cloud account; or
experience a device, operating-system or third-party service failure.

We do not guarantee that locally stored information can always be recovered.

You should not use the Application as the only record of information that is important to you.

Cloud backup and restore

The Application may provide an optional feature that stores a copy of your information in your own cloud-storage account using:

Google Drive on Android; or
iCloud on iOS.

The feature may be switched off unless you choose to enable or use it.

You are responsible for:

maintaining access to your Google or Apple account;
protecting your cloud-account credentials;
ensuring sufficient storage and internet connectivity;
checking that a backup has completed; and
keeping additional copies of important information where appropriate.

We do not control your personal cloud-storage account and cannot guarantee continued access to it.

Backup, synchronisation and restoration features are provided on a reasonable-efforts basis. We do not guarantee that a backup will:

always be created;
upload immediately;
contain every item;
remain available;
remain compatible with future Application versions;
synchronise without delay or conflict; or
restore successfully.

Google, Apple or another provider may change, restrict, suspend or discontinue its services independently of us.

Uninstalling the Application may not delete backups stored in your cloud account.

Updates and compatibility

We may release updates to:

introduce or change features;
address technical problems;
improve security;
maintain compatibility;
meet legal or app-store requirements; or
respond to changes made by third-party services.

Some updates may be required for the Application to continue operating properly.

We do not guarantee that BudgetGoal will remain compatible with every device, operating-system version, app-store version, cloud provider or third-party service.

Older versions of the Application may stop working or may not support all available features.

Paid features and purchase options

The Application may offer optional paid features, products, plans or services.

Paid access may be offered using different purchase models, including:

one-time purchases;
subscriptions;
trials;
promotional or introductory offers;
different feature tiers; or
other models supported by the relevant app store.

We are not required to continue offering any particular purchase model, plan, product, price or feature package to future purchasers.

The price, billing frequency, duration, renewal terms, trial terms and included features will be displayed before a purchase is completed.

The information presented at the time of purchase forms part of the terms applying to that transaction.

We may introduce, replace, restructure or withdraw purchase options and may change the prices or features offered for future purchases.

Changes made to future purchase options do not automatically convert or replace a purchase already completed.

An existing purchase remains subject to:

the description and conditions shown when it was made;
the continued availability and operation of the Application;
device and operating-system compatibility;
applicable app-store rules; and
any rights that cannot legally be excluded.

A purchase does not guarantee that the Application, every feature, the website, support services, app-store availability or compatibility with all future devices and operating systems will remain available indefinitely.

Subscriptions

Where subscriptions are offered, they may renew automatically unless cancelled through the relevant app-store account before the next renewal.

The applicable subscription period, price, billing frequency and renewal terms will be displayed before purchase.

You are responsible for managing subscriptions through your Apple App Store or Google Play account.

Subscription prices and plans may change in accordance with applicable law and app-store requirements.

Cancelling a subscription normally prevents future renewal but does not necessarily provide a refund for a billing period that has already begun.

Access may continue until the end of the applicable paid period, subject to the relevant app-store rules.

Trials and promotional offers

We may offer free trials, discounted periods, promotional codes or other offers.

Eligibility, availability, duration and conditions may vary depending on factors such as platform, country, app-store account, purchase history or promotional availability.

Where a trial or introductory offer is connected to a subscription, the terms displayed before enrolment will explain whether and when it converts into a paid subscription.

Offers may be changed or withdrawn before they are redeemed.

Payments and refunds

Purchases are processed by the store through which you obtained the Application, such as the Apple App Store or Google Play.

Purchases are also subject to the relevant store's terms, billing rules and refund policies.

We do not receive or store your complete payment-card or bank-account details.

Refund requests for transactions processed by Apple or Google are normally handled by the relevant app store.

We may assist with purchase or entitlement issues but cannot guarantee that an app store will approve a refund.

Any refund or remedy that must be provided under applicable law remains unaffected.

Purchase validation

The Application may use RevenueCat or another purchase-management service to:

validate purchases;
restore purchases;
determine entitlement status;
provide paid access; and
respond to cancellations, refunds or other transaction changes.

Paid access may be delayed, restricted or removed where:

a purchase cannot be validated;
the app store reports that a transaction has been refunded, cancelled or reversed;
a subscription expires;
payment is not completed;
the store or purchase-management service is unavailable; or
fraudulent or unauthorised activity is reasonably suspected.

Third-party services

The Application relies on services provided by third parties, which may include Apple, Google, RevenueCat, iCloud, Google Drive, app-store payment systems and on-device text-recognition services.

Your use of these services may also be subject to the relevant provider's terms and privacy practices.

We do not control third-party services or guarantee their continued availability, operation, compatibility or performance.

We are not responsible for interruptions, restrictions or changes caused by a third-party service where they are outside our reasonable control.

Privacy

Your use of the Application is also subject to the BudgetGoal Privacy Policy.

The Privacy Policy explains how information is handled, including information relating to:

local device storage;
optional cloud backup;
RevenueCat;
app-store purchases;
receipt scanning;
statement imports; and
support communications.

Internet and other charges

Some features require an internet connection.

You are responsible for any internet, mobile-data, roaming, cloud-storage or other charges imposed by your network, device, app-store or cloud provider.

Acceptable use

You must not use the Application:

unlawfully or fraudulently;
to harm or impersonate another person;
to infringe intellectual-property, privacy or other rights;
to distribute malware or harmful code;
to gain unauthorised access to systems or information;
to interfere with the Application or related services;
to bypass payment or entitlement controls;
to falsify purchase information; or
in a way that places an unreasonable burden on the Application or related services.

Availability and discontinuation

We do not guarantee that the Application or any particular feature will remain available indefinitely.

We may suspend, replace, restrict or discontinue the Application, a feature, a paid plan, a purchase option, cloud backup, support, the website or another related service for technical, operational, security, legal, commercial or product-development reasons.

Where reasonably practicable, notice may be provided through the Application, an update, an app-store listing, the website, email or another available channel.

Advance notice may not always be possible, particularly where urgent technical, security or legal action is required.

If the Application is discontinued:

it may be removed from app stores;
updates and support may stop;
online or third-party-dependent features may stop working;
purchase options may be withdrawn;
existing installations may become incompatible with future devices or operating systems;
locally stored information may remain on your device; and
cloud backups may remain in your personal cloud account until deleted by you.

Support and contact channels

We may provide support through email, the Application, the website, an app-store listing or another available channel.

Support availability, response times and contact methods may change.

Unless expressly included in a paid offer, purchasing a paid feature does not guarantee personalised support or a particular response time.

The current website, domain name and email address are not guaranteed to remain available indefinitely.

Where reasonably practicable, updated contact details may be made available through the Application, an app-store listing, the website or another available channel.

No guarantee of outcomes

We do not guarantee that using BudgetGoal will:

improve your financial position;
help you achieve a particular savings goal;
prevent overspending;
identify every outgoing;
correctly predict future finances;
determine whether a purchase is affordable; or
produce any particular result.

The Application cannot account for every future event, cost, debt, obligation, fee or personal circumstance.

Warranties

Nothing in these Terms excludes or limits any right or remedy that cannot legally be excluded or limited.

Subject to that, the Application is provided on an "AS IS" and "AS AVAILABLE" basis.

We do not guarantee that the Application will:

meet every requirement;
always remain available;
operate without interruption;
be free from every error;
be compatible with every device;
correctly interpret every receipt or statement;
preserve every item of information; or
produce a particular result.

Limitation of liability

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

To the extent permitted by law, we are not responsible for losses that are not a reasonably foreseeable result of our breach of these Terms or failure to use reasonable care and skill.

BudgetGoal is intended for personal use. We are not responsible for business losses, including loss of profit, revenue, opportunity, business or anticipated business savings.

To the extent permitted by law, we are not responsible for loss arising from:

inaccurate, incomplete or outdated information entered or approved by you;
a financial decision based on an Application estimate or calculation;
failure to review scanned or imported information;
loss of access to your device or cloud account;
failure to maintain another copy of important information;
third-party services outside our reasonable control;
an unsupported device or operating system;
failure to install an available update;
unauthorised access resulting from your failure to secure a device or account; or
circumstances outside our reasonable control.

Suspension and termination

We may suspend or restrict access to some or all of the Application where reasonably necessary:

to address a technical or security issue;
to comply with legal or app-store requirements;
to prevent fraud or misuse;
where these Terms are materially breached;
where a required third-party service is unavailable; or
as part of changing or discontinuing the Application.

You may stop using the Application at any time by uninstalling it.

Where applicable, uninstalling the Application does not automatically:

cancel a subscription;
delete a cloud backup;
delete app-store transaction records; or
delete information held by a third-party provider.

Changes to the Application

We may update, modify, replace or discontinue parts of the Application to reflect product development, technical changes, security needs, legal requirements, app-store requirements, third-party service changes or commercial decisions.

Where a change materially affects a paid feature, we will act in accordance with applicable law.

Changes to these Terms

We may update these Terms to reflect changes to the Application, purchase options, applicable law, app-store requirements, third-party services or our business practices.

Updated Terms will be published with a revised effective date.

Where reasonably practicable, additional notice may be provided for a material change.

Updated Terms apply from their stated effective date. They will not retrospectively remove rights where doing so would be prohibited by law.

If you do not agree to the updated Terms, you should stop using the Application and cancel any active subscription through your app-store account.

App-store terms

Your download and use of BudgetGoal may also be governed by terms imposed by Apple, Google or another app-store provider.

These Terms supplement any applicable app-store terms. Where a mandatory app-store requirement applies, it will apply to the extent required.

Governing law

These Terms are governed by the laws of England and Wales.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

No waiver

If we do not immediately enforce a provision of these Terms, this does not prevent us from enforcing it later.

Entire agreement

These Terms, the BudgetGoal Privacy Policy and the purchase information presented at the time of a transaction form the agreement relating to your use of the Application.

Contact

For questions about these Terms, use the current contact details made available through the Application, its app-store listing or the BudgetGoal website.

At the effective date of these Terms, the contact details are:

Samie Syed
United Kingdom
Email: privacy@budgetgoal.org