End User License Agreement (EULA)
This End User License Agreement ("Agreement") is a binding legal contract between you ("User," "you," or "your") and Budget-U, Inc., a Delaware corporation ("Budget-U," "Company," "we," or "us"), governing your access and use of the Budget-U mobile application and related services (collectively, the "App").
By downloading, installing, creating an account, or using the App, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. If you do not agree, you must not use the App.
1. License Grant
Budget-U grants you a limited, non-exclusive, non-transferable, revocable license to download and use the App solely for personal, non-commercial use on devices you own or control and in accordance with this Agreement.
2. Eligibility & Account Responsibility
You must be at least 13 years of age to use the App. If under 18, you may use the App only with consent and supervision of a parent or legal guardian.
You agree to:
- Provide accurate, current, and complete information during registration.
- Maintain the security and confidentiality of your login credentials.
- Be responsible for all activity conducted through your account.
- Promptly notify us of any unauthorized access or security breach.
3. Subscription and Fees
Access to premium features of the App may require a subscription or one-time purchase. By subscribing, you agree to the applicable pricing and billing terms. Subscription fees are non-refundable except where required by law.
4. Use of Financial Data
The App uses third-party services, including Plaid Inc., to securely access and aggregate your financial account data for the purpose of budgeting, spending analysis, and financial insights. By linking financial accounts, you:
- Authorize Budget-U and its partners to access and use your financial data as outlined.
- Agree to Plaid's End User Privacy Policy: Plaid Privacy Policy
5. Data Collection and Usage
We collect personal and financial data only as needed to provide services and insights. We do not sell or rent your data. All usage is subject to our Privacy Policy, which is incorporated by reference.
6. AI and Educational Content
The App may deliver budgeting advice, alerts, financial insights, and personalized tips using AI algorithms and curated data. These features are intended for educational and informational purposes only and do not constitute financial, legal, or tax advice.
7. Restrictions
You agree not to:
- Modify, reverse-engineer, or create derivative works from the App.
- Use the App for unlawful, harmful, or deceptive purposes.
- Share access credentials with unauthorized users.
8. Termination
We may suspend or terminate your access to the App at any time and for any reason, including violation of this Agreement. Upon termination, your right to use the App will cease, and any licenses granted herein will be revoked.
9. Disclaimer of Warranties
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ACCURACY, RELIABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BUDGET-U AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE APP.
11. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless prohibited by law.
12. Updates to this Agreement
We may update this Agreement from time to time. Continued use of the App after any modifications indicates your acceptance of the updated terms.
For questions or support related to this Agreement or the App, please contact:
Budget-U, Inc.
Email: support@budget-u.com
Address: 120 Newport Center Drive, Newport Beach, CA 92660