Terms of Service

Acceptance and eligibility

By using Budget Habit you confirm you are at least 16 years old (or the age of digital consent in your country) and accept these Terms and our Privacy Policy.

Your account

You are responsible for keeping your credentials secure and for activity under your account. Provide accurate information and tell us promptly about any unauthorised access.

Acceptable use

Use the app for personal, non-commercial budgeting. Do not misuse the service — no hacking, reverse engineering, scraping, overloading our systems, or activity that harms others or breaks the law.

Family sharing

You may invite family members to a shared budget. You are responsible for who you invite and what you share; invited members can see and add data in the shared budget. Only invite people you trust.

Subscriptions and payments

Core features are free. Optional paid plans are sold as in-app purchases through the App Store or Google Play under their terms and managed via RevenueCat. Prices and renewals are shown before purchase; manage or cancel in your store account.

Your data

The budget data you enter belongs to you. You can export or delete it as described in the Privacy Policy. You grant us the limited permission needed to store, sync, and display it to operate the service.

Not financial advice

Budget Habit is a tracking tool, not financial, investment, tax, or legal advice. Decisions about your money are yours. The service is provided “as is” and “as available”, without warranties of any kind.

Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages, or for lost data or profits, arising from your use of the app. Nothing limits liability that cannot be limited by law.

Availability and termination

We may update, suspend, or discontinue features at any time. You may stop using the app and delete your account anytime. We may suspend or terminate access if you breach these Terms.

Governing law

These Terms are governed by the laws of Canada and the province where the provider resides, without regard to conflict-of-law rules, subject to any mandatory consumer protections in your country.

Changes to these Terms

We may update these Terms. We will revise the date above and announce material changes in the app or on the site. Continued use means you accept the updated Terms.

Contact

Budget Habit is operated by Oleksandr Bezuhlyi, a sole proprietor based in Canada. Questions about these Terms? Email us — we’re happy to help.

support@budget-habit.com