Terms of Service

1. Agreement to Terms

By accessing and using BudgetBetter ("Service"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of our personal financial management platform.

2. Description of Service

BudgetBetter is a web-based personal financial management platform that allows users to:

• Track income and expenses
• Set and monitor budgets
• Manage family financial groups
• Generate financial reports and analytics
• Receive financial insights and recommendations

3. User Accounts

3.1 Account Creation

To use our Service, you must create an account by providing accurate, current, and complete information. You are responsible for safeguarding your account credentials.

3.2 Account Security

You agree to:

• Keep your login credentials confidential
• Enable two-factor authentication when available
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4. Family Groups and Data Sharing

4.1 Family Group Features

Our Service allows you to create or join family financial groups to share financial data with other users. By joining a family group, you consent to sharing your financial information with other group members.

4.2 Data Access and Permissions

Family group administrators can:

• View aggregated financial data of all group members
• Invite new members to the group
• Remove members from the group
• Set group budgets and financial goals

5. Financial Data and Privacy

5.1 Data Accuracy

You are responsible for the accuracy of all financial information you input into the Service. BudgetBetter provides tools for financial management but does not provide financial advice.

5.2 Data Security

We implement industry-standard security measures to protect your financial data. However, no system is completely secure, and you use the Service at your own risk.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Share your account with unauthorized users
• Attempt to gain unauthorized access to other users' data
• Upload malicious code or attempt to disrupt the Service
• Use automated tools to access the Service without permission

7. Intellectual Property

The Service, including all content, features, and functionality, is owned by BudgetBetter and is protected by copyright, trademark, and other intellectual property laws. You retain ownership of your financial data but grant us a license to process it as necessary to provide the Service.

8. Third-Party Services

Our Service may integrate with third-party financial institutions or services. We are not responsible for the availability, accuracy, or content of such third-party services. Your use of third-party services is subject to their respective terms and conditions.

9. Disclaimers and Limitations

9.1 Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access to the Service. We may suspend or discontinue the Service for maintenance, updates, or other operational reasons.

9.2 Financial Advice Disclaimer

BudgetBetter is a financial management tool and does not provide professional financial, investment, tax, or legal advice. Always consult qualified professionals for financial decisions.

9.3 Limitation of Liability

To the maximum extent permitted by law, BudgetBetter shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

10. Termination

10.1 Account Termination

You may terminate your account at any time by contacting us. We may terminate or suspend your account for violation of these Terms or other reasons deemed necessary.

10.2 Data Retention

Upon termination, we will retain your data for a reasonable period as required by law or for legitimate business purposes, after which it will be securely deleted.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Service. Your continued use after such notification constitutes acceptance of the modified Terms.

12. Governing Law

These Terms are governed by and construed in accordance with applicable local laws. Any disputes arising from these Terms or your use of the Service shall be resolved through appropriate legal channels.

13. Contact Information

If you have questions about these Terms of Service, please contact us through the support channels provided in the application.