Effective Date: May 24, 2026
By accessing or using Budgeteer (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and Budgeteer LLC ("Company," "we," "our," or "us"). You also agree to our Privacy Policy , which is incorporated into these Terms by reference.
IMPORTANT: Section 15 contains a binding arbitration agreement and class action waiver that affect your legal rights. Please read it carefully. You may opt out of arbitration within 30 days after first accepting these Terms by following the procedure in Section 15.5.
Budgeteer is a personal finance and budgeting application that helps you track income, expenses, budgets, savings goals, and debt. The Service is provided on a subscription basis and is accessible through:
The Service includes optional features that you may enable in your account:
Budgeteer is not a bank, broker-dealer, money transmitter, investment advisor, or financial institution. We do not hold, transfer, lend, invest, or take custody of any funds. Funds in any connected account remain at the underlying financial institution and are not insured by Budgeteer. Budgeteer is not FDIC insured or NCUA insured.
You must be at least 18 years of age and have the legal capacity to enter into a binding contract to use the Service. By using Budgeteer, you represent and warrant that you meet these requirements and that you are not located in, under the control of, or a national or resident of any country subject to U.S. embargoes or on any U.S. government list of restricted or prohibited persons.
To access the Service, you must create an account. You agree to:
You are responsible for all activity that occurs under your account, including activity by anyone you invite to a family workspace. You agree to reimburse us for any losses we incur from unauthorized use of your account caused by your failure to maintain reasonable security.
Access to the Service requires a paid subscription. Subscription fees and billing periods (monthly or annual) are displayed at the time of purchase. All fees are in U.S. dollars and are exclusive of any applicable sales, use, value-added, or similar taxes, which are your responsibility.
YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW. By starting a subscription, you authorize us to automatically charge the payment method on file at the start of each billing period, indefinitely, until you cancel.
If we change the price of your subscription, we will notify you by email at least 30 days before the change takes effect. If you do not cancel before the change takes effect, the new price applies on your next renewal.
If your subscription begins with a free trial or promotional rate, you will be automatically charged the standard subscription price when the trial or promotional period ends, unless you cancel before that date. You will be notified of the trial end date at signup and by transactional email.
You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. Except where required by applicable law, all fees are non-refundable and we do not provide credits or refunds for partial billing periods, unused features, or accounts you stop using before cancellation.
If a payment fails, we may retry the charge and may suspend or downgrade your access to the Service without prior notice until payment is resolved. After a reasonable cure period, we may terminate your account for non-payment under Section 12.
You agree not to use the Service to:
Budgeteer is a personal finance tracking tool. Nothing in the Service constitutes financial, investment, tax, legal, or accounting advice. Any projections, suggestions, summaries, insights, or other outputs the Service generates are for informational purposes only. You should consult a qualified professional for advice tailored to your specific situation. You are solely responsible for any financial, tax, or other decisions you make based on information in the Service.
We do not guarantee the accuracy, completeness, timeliness, or reliability of any financial data displayed in the Service, including data you enter manually, data imported from connected bank or credit card accounts, balances, transaction histories, scheduled transactions, projections, or AI-generated outputs. You are solely responsible for verifying all financial information before relying on it.
Bank and credit card data is provided by third-party data aggregators, including Teller. We do not control when, whether, or how frequently transactions and balances are updated by these aggregators or the underlying financial institutions. Connections may fail, lag, miss transactions, return duplicates, or be terminated at any time by the bank, the aggregator, or you. We are not responsible for any losses arising from outages, delays, errors, or terminations in third-party data services.
AI-assisted features in the Service produce probabilistic output that may be incorrect, incomplete, biased, or out of date. AI output is provided as a convenience only. You must independently verify any AI-generated category assignments, payee matches, anomaly flags, reconciliation suggestions, projections, summaries, or other AI outputs before acting on them. We make no representation that AI features will produce any particular result or remain available.
The Service relies on third-party providers for payment processing (including Stripe), bank connectivity (including Teller), AI inference (including Anthropic and Google), cloud hosting, analytics, error reporting, email delivery, and other infrastructure. Your use of features that depend on these providers is also subject to those providers' terms and privacy policies. We do not control and are not responsible for the acts, omissions, availability, accuracy, security, pricing, or content of any third-party service. If a third-party service fails, becomes unavailable, changes its terms, or terminates a relationship with us, related features in the Service may be modified, suspended, or removed without liability to us.
Your use of the Service is governed by our Privacy Policy . By using the Service, you consent to the collection, use, and disclosure of your information as described in the Privacy Policy. You may export your data at any time through your account settings.
You are responsible for maintaining your own backups of any information you consider important. While we maintain operational backups for disaster recovery, we do not guarantee that any specific data will be recoverable, and the Service is not a substitute for your own backup practices.
All content, features, and functionality of the Service, including the software, design, text, graphics, logos, trademarks, and code, are owned by the Company or its licensors and are protected by U.S. and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Service for your personal, non-commercial financial management for the duration of your active subscription. All rights not expressly granted are reserved.
You retain ownership of the financial data, content, and other information you submit to the Service ("Your Data"). You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and create derivative works of Your Data solely to operate, maintain, secure, support, and improve the Service for you, and, in aggregated and de-identified form that does not identify you or any specific individual, to improve the Service for all users.
If you submit feedback, suggestions, feature requests, or other ideas about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable license to use, modify, and exploit that feedback for any purpose, without compensation or attribution to you.
We may make beta, preview, or experimental features available in the Service. These features are clearly marked or otherwise designated and are provided "AS IS" without any warranty whatsoever. Beta features may be modified, restricted, or discontinued at any time without notice. Your use of beta features is at your sole risk.
You may cancel your subscription or delete your account at any time through your account settings. Upon account deletion, we will process your data in accordance with our Privacy Policy and applicable law.
We may suspend or terminate your access to the Service, in whole or in part, at any time and at our sole discretion, with or without notice, including for: (a) violation of these Terms or our Acceptable Use Policy; (b) non-payment of fees; (c) conduct we believe is harmful to other users, the Company, or third parties; (d) requests from law enforcement or other government agencies; (e) extended periods of inactivity; (f) unexpected technical or security issues; or (g) our decision to discontinue the Service or any portion of it.
Upon termination of your account: (a) your right to access and use the Service ceases immediately; (b) any fees already paid are non-refundable except where required by law; (c) we may delete Your Data after a reasonable retention period, subject to our Privacy Policy and applicable law; and (d) the provisions of these Terms that by their nature should survive will survive, including Sections 4 (security obligations), 5.4 (no refunds), 7 (disclaimers), 8 (third-party services), 10 (intellectual property), 13 (limitation of liability), 14 (indemnification), 15 (arbitration), 16 (governing law), and 18 through 22.
THE SERVICE, INCLUDING ALL CONTENT, FEATURES, AND OUTPUTS, IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY DATA, OUTPUT, OR RESULT OBTAINED FROM THE SERVICE WILL BE ACCURATE, COMPLETE, TIMELY, OR RELIABLE. NO ADVICE OR INFORMATION OBTAINED FROM THE SERVICE OR FROM US CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR FINANCIAL OPPORTUNITY, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STATUTE, OR OTHERWISE).
OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS (US$100), OR (B) THE TOTAL AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
The limitations in this Section 13 apply even if any remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You acknowledge that you are solely responsible for your financial decisions and that the Service is a tool, not a substitute for professional advice. You assume all risk for financial actions you take based on data, projections, suggestions, or other output from the Service.
You agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or any third-party right, including any intellectual property, privacy, contractual, or financial right; (d) Your Data or any content you submit to the Service; or (e) any dispute between you and any other user or any third party.
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense. You may not settle any claim subject to indemnification without our prior written consent.
You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved by binding individual arbitration, not in court. This includes disputes about the formation, interpretation, breach, or termination of these Terms. The Federal Arbitration Act governs the interpretation and enforcement of this Section 15.
This arbitration agreement does not apply to:
Before initiating arbitration, you agree to first contact us through our support page with a written description of your claim and the relief you seek, and to attempt in good faith to resolve the Dispute informally for at least 60 days. The statute of limitations and any filing fee deadlines will be tolled while the parties engage in this informal process.
If the Dispute is not resolved informally, it will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules in effect at the time arbitration is commenced. The arbitration will be conducted in Ventura County, California, or by telephone or video conference at your option. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator has exclusive authority to resolve any Dispute, except that a court of competent jurisdiction has exclusive authority to decide the enforceability of the class action waiver in Section 15.6.
You may opt out of this arbitration agreement by sending us a written opt-out notice through our support page within 30 days after you first accept these Terms, or, if you are an existing user when these Terms or this arbitration provision are materially changed, within 30 days after the effective date of that change. Your notice must include your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.
YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding. If this class action waiver is found unenforceable as to a particular claim or remedy, then that claim or remedy (and only that claim or remedy) will be severed and brought in a court of competent jurisdiction, and the remainder of this Section 15 will remain in full force.
Arbitration filing, administration, and arbitrator fees will be allocated as provided by the AAA Consumer Arbitration Rules. If those rules require you to pay a fee that exceeds the equivalent court filing fee for an individual lawsuit, we will pay the difference, unless the arbitrator determines your claim was frivolous or brought for an improper purpose.
Any Dispute must be filed within one (1) year after the cause of action accrues, or it is permanently barred, except to the extent applicable law prohibits a shorter limitations period than would otherwise apply.
These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions, and by applicable U.S. federal law (including the Federal Arbitration Act). For any Dispute that is not subject to arbitration under Section 15, you and the Company agree to the exclusive jurisdiction of the state and federal courts located in Ventura County, California, and waive any objection to venue in those courts.
We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government action, labor disputes, internet or telecommunications outages, cyberattacks, denial-of-service attacks, hosting-provider failures, or failures of third-party data, payment, or AI services.
We may update these Terms from time to time. If we make material changes, we will notify you by email at least 30 days before the changes take effect, and we will update the Effective Date at the top of this page. Non-material changes take effect when posted. Your continued use of the Service after the effective date of a change constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service and may cancel your subscription before the effective date.
You consent to receive communications from us electronically, including by email to the address associated with your account, in-app messages, and notices posted within the Service. Electronic communications satisfy any legal requirement that a communication be in writing.
Notices to us must be sent through our support page . For legal notices (including arbitration opt-out under Section 15.5, claims, or service of process), you must also include "LEGAL NOTICE" in the subject line of your submission.
You may not assign or transfer these Terms or any rights or obligations under them, in whole or in part, without our prior written consent. Any attempted assignment in violation of this section is void. We may assign these Terms, in whole or in part, at any time without notice or your consent, including in connection with a merger, acquisition, reorganization, financing, or sale of all or substantially all of our assets.
These Terms, together with the Privacy Policy and any additional terms you agree to for specific features or promotions, constitute the entire agreement between you and the Company regarding the Service and supersede any prior or contemporaneous agreements, communications, or understandings on that subject.
If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.
Our failure to enforce any provision of these Terms is not a waiver of that provision or our right to enforce it later. Any waiver must be in writing and signed by an authorized representative of the Company to be effective.
These Terms do not create any third-party beneficiary rights in any person who is not a party to these Terms.
Section headings are for convenience only and have no legal effect. The word "including" means "including without limitation." Examples are illustrative and not exhaustive.
Nothing in these Terms creates a partnership, joint venture, agency, employment, or fiduciary relationship between you and the Company.
Under California Civil Code Section 1789.3, California residents are entitled to the following consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.
For questions about these Terms, reach out through our support page .
Budgeteer LLC
Ventura, California