Terms of Service

1. Acceptance of Terms

By accessing or using BudgetVibe ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. These Terms constitute a legally binding agreement between you and BudgetVibe.

2. Description of Service

BudgetVibe is a personal finance management platform that provides:

• Bank account aggregation and transaction syncing via Teller and Plaid
• AI-powered transaction categorization and insights
• Budgeting, spending plans, and financial goal tracking
• Net worth and investment tracking
• Receipt scanning and expense splitting
• Cash flow forecasting and smart alerts
• Collaborative budgeting for households

3. Account Registration

To use BudgetVibe, you must create an account using Google OAuth or another supported authentication provider. By creating an account, you agree that:

• You are at least 18 years of age
• The information you provide is accurate and you will keep it up to date
• You are responsible for all activity under your account
• You will not share your account access or allow unauthorized users to access your account
• You will maintain only one account per person
• You will notify us immediately of any unauthorized use of your account

4. Subscription & Billing

4.1 Free Trial

New users receive a 14-day free trial with full access to Pro features. No credit card is required to start a trial. At the end of the trial period, you must subscribe to continue using the Service.

4.2 Subscription Plans

BudgetVibe offers the following subscription plans:

• Pro: $9.99/month or $89/year — Full access for individual users, including unlimited bank connections, AI categorization, receipt scanning, cash flow forecasting, and priority support.
• Family: $12.99/month or $109/year — Everything in Pro, plus up to 5 household members, shared budgets with role-based access, and a family admin panel.

4.3 Billing

All payments are processed securely through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis (monthly or annually, depending on your selected plan). Prices are in US dollars and do not include applicable taxes, which may be added at checkout.

4.4 Cancellation

You may cancel your subscription at any time from your account settings. Upon cancellation:

• You will retain access to the Service until the end of your current billing period
• No further charges will be made after the current period
• Your data will be preserved and accessible if you choose to resubscribe

4.5 Refunds

We do not provide refunds for partial billing periods. If you believe you were charged in error, please contact support within 30 days of the charge at support@budgetvibe.com.

5. Acceptable Use

You agree to use BudgetVibe only for personal finance management. You may not:

• Use the Service for any commercial, illegal, or unauthorized purpose
• Attempt to access accounts, data, or systems that do not belong to you
• Use automated scripts, bots, or scrapers to access the Service or its APIs
• Reverse engineer, decompile, or disassemble any part of the Service
• Interfere with or disrupt the Service, servers, or networks connected to the Service
• Upload malicious files, viruses, or harmful code
• Resell, sublicense, or redistribute access to the Service

6. Intellectual Property

Our IP: BudgetVibe and all related technology, designs, logos, and content are the intellectual property of BudgetVibe. You are granted a limited, non-exclusive, non-transferable license to use the Service for its intended purpose.

Your data: You retain full ownership of all personal and financial data you provide to or create within the Service. We claim no ownership rights over your data. You may export or delete your data at any time.

7. Third-Party Services

BudgetVibe integrates with third-party services to provide its functionality. Your use of these services is subject to their respective terms:

• Teller & Plaid: Bank connection and transaction data access. Their terms govern how they handle your banking credentials.
• Stripe: Payment processing. Stripe's terms govern payment handling and card data storage.
• Google: Authentication via Google OAuth. Google's terms apply to your Google account usage.

We are not responsible for the practices or policies of third-party services.

8. Limitation of Liability

The Service is provided "as is" and "as available." To the maximum extent permitted by law:

• Not financial advice: BudgetVibe is a financial management tool, not a financial advisor. AI-generated insights, forecasts, and suggestions are for informational purposes only and should not be considered professional financial, tax, or legal advice.
• Data accuracy: While we strive for accuracy, we are not liable for incorrect, delayed, or missing transaction data from banking providers. Always verify important financial information directly with your bank.
• Service availability: We do not guarantee uninterrupted access to the Service. Scheduled maintenance, banking provider outages, or infrastructure issues may cause temporary disruptions.
• Liability cap: In no event shall BudgetVibe's total liability exceed the amount you paid for the Service in the 12 months preceding the claim.

9. Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which details how we collect, use, store, and protect your data. Key points:

• You retain ownership of all your personal and financial data
• We never sell your data to third parties
• All sensitive data is encrypted using Google Cloud KMS with envelope encryption
• You can export or delete your data at any time

10. Termination

10.1 By You

You may terminate your account at any time by deleting it from your account settings. Upon deletion, all your personal data, financial data, and encryption keys will be permanently purged within 30 days.

10.2 By Us

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or use the Service in a manner that could harm other users or our systems. We will provide notice before termination when reasonably possible.

10.3 Effect of Termination

Upon termination:

• Your access to the Service will cease immediately
• Active bank connections will be disconnected
• You may request a data export before termination takes effect
• Any outstanding subscription charges remain due

11. Modifications to Terms

We may modify these Terms at any time. When we make material changes, we will notify you via email at least 30 days before the changes take effect. Your continued use of the Service after such changes constitutes acceptance of the updated Terms. If you do not agree with the modified Terms, you may cancel your account before they take effect.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with applicable rules, unless you opt out of arbitration within 30 days of creating your account.

13. Contact Us

If you have any questions about these Terms, please contact us at:

support@budgetvibe.com