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Terms of Service

Effective Date: November 15, 2024

Welcome to BudgetShare! These Terms of Service ("Terms") govern your use of the BudgetShare application ("App"), which helps users with budgeting and splitting expenses. By accessing or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. Acceptance of Terms

By using the App, you agree to comply with and be legally bound by these Terms, our Privacy Policy, and all applicable laws. If you do not accept these Terms, you may not access or use the App.

2. App Overview

BudgetShare is a digital platform designed to assist users with budgeting and splitting expenses. While the App provides organizational and financial tools, it does not offer professional financial, tax, or legal advice.

3. User Responsibilities

By using the App, you agree to:

  • Use the App only for lawful purposes.

  • Provide accurate and complete information when signing up or using the App.

  • Safeguard your account credentials and not share them with others.

  • Be responsible for your interactions with other users and financial transactions initiated through the App.

4. Prohibited Activities

You agree not to:

  • Use the App in any way that violates laws or regulations.

  • Attempt to hack, disrupt, or compromise the App's security.

  • Reverse engineer, modify, or create derivative works from the App.

  • Upload malicious software or content harmful to other users or the App's infrastructure.

5. Intellectual Property

All content, features, and functionality in the App (including software, designs, trademarks, and logos) are owned by BudgetShare or licensed to it. You may not copy, distribute, or reproduce any part of the App without explicit written permission.

6. Disclaimer of Warranties

The App is provided on an "AS IS" and "AS AVAILABLE" basis. BudgetShare makes no warranties, express or implied, regarding the App's functionality, availability, or reliability. Use the App at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, BudgetShare will not be liable for:

  • Indirect, incidental, or consequential damages.

  • Losses arising from the use or inability to use the App.

  • Errors, inaccuracies, or interruptions in the App’s operation.

8. Account Termination

BudgetShare reserves the right to suspend or terminate your account at its discretion for violations of these Terms or applicable laws.

9. Privacy

Your use of the App is subject to our Privacy Policy, which details how we collect, use, and protect your data. By using the App, you consent to our data practices as described in the Privacy Policy.

10. Third-Party Services

The App may integrate with third-party services (e.g., payment processors, OAuth). BudgetShare is not responsible for the practices, content, or terms of these third-party services. Your interactions with them are governed by their respective terms.

11. Changes to These Terms

BudgetShare reserves the right to modify these Terms at any time. We will notify you of material changes through the App or by email. Continued use of the App after changes are effective constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to its conflict of laws principles.

13. Contact Information

If you have any questions about these Terms or the App, please contact us at beyourownbanking@gmail.com

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