Welcome to SimplyBudget. Please carefully review these Terms of Use before accessing or using our SimplyBudget application, website, or other related services (collectively referred to as "SimplyBudget" or the "Service"). By accessing or using SimplyBudget, you agree to these Terms of Use and our Privacy Policy. If you do not agree with these terms, please refrain from using the Service.
By using this application, you agree to the Terms of Service outlined here. Please also refer to Apple's End User License Agreement (EULA) for further details.
Introduction to SimplyBudget
SimplyBudget is a software application designed to help users track and manage their finances through budgeting tools, expense categorization, and financial insights. SimplyBudget is not a bank, financial institution, or credit union and does not provide financial, banking, or investment services. We do not issue credit, accept deposits, or offer loans or any other financial products. SimplyBudget is solely intended to provide tools that assist users in making personal financial decisions. It is not a substitute for financial advice from a licensed advisor.
Subscription & Lifetime Access
SimplyBudget may offer various subscription plans, including a one-time "Lifetime Plan." The Lifetime Plan grants you access to the features available at the time of purchase for as long as the SimplyBudget application is available. "Lifetime" refers to the life of the product, not the lifetime of the user. In the event that SimplyBudget is discontinued or is no longer available, access to the service will terminate.
User Consent for Email Syncing
SimplyBudget’s email synchronization feature, which automatically imports transaction data and digital receipts from your email (e.g., Gmail), is available on an opt-in basis only. You must provide explicit consent and connect your email account for this feature to be activated. We will not access any email data without your express permission. You remain solely responsible for the accounts you connect.
Accuracy of AI Features
SimplyBudget may use artificial intelligence (AI) to power features like "Voice Logging" for voice commands and "Smart-Match" for cleaning up transaction text. These features are provided on an "as-is" basis. While we strive for a high degree of accuracy, SimplyBudget is not responsible for any financial discrepancies, errors, or inaccuracies that may result from the AI's interpretation of your data.
Account Security
You are responsible for safeguarding your SimplyBudget account credentials. If you suspect any unauthorized use of your account or other security breaches, you agree to notify us immediately. SimplyBudget is not responsible for any losses or damages resulting from your failure to protect your account information.
User Responsibilities
SimplyBudget provides budgeting and expense-tracking tools to assist users with personal finance management. Users are solely responsible for any financial decisions or actions taken based on the insights provided by SimplyBudget. SimplyBudget is not liable for any losses or damages arising from financial decisions made by users based on information provided within the app.
Acceptable Use
You agree to use SimplyBudget only for lawful purposes and to comply with these Terms of Use. You agree not to:
Use the Service in a manner that violates any applicable laws or regulations.
Attempt to defraud or misrepresent yourself in any way while using the Service.
Interfere with the normal operation of SimplyBudget or another user's experience.
Access or attempt to access any part of the Service that you are not authorized to access.
Use any automated system, including bots or spiders, to interact with SimplyBudget without prior authorization.
Third-Party Integrations
SimplyBudget integrates with third-party services, such as Plaid, to offer users additional functionalities, such as connecting financial accounts. SimplyBudget does not control third-party services and is not responsible for their actions, policies, or data security practices. By using these third-party services, you also agree to abide by their respective terms and policies.
No Professional Financial Advice
SimplyBudget is designed to assist users with personal financial management and budgeting; it does not provide professional financial, tax, or investment advice. Users are encouraged to consult a qualified financial advisor for guidance tailored to their individual financial needs and circumstances. SimplyBudget is not liable for any reliance placed on the Service as a source of financial or legal advice.
Intellectual Property Rights
All content, including trademarks, logos, icons, graphics, and other assets associated with SimplyBudget, are intended to be the exclusive property of SimplyBudget Canada or its future licensors. These assets will be protected by applicable intellectual property laws upon registration, and users may not duplicate, modify, or redistribute any part of SimplyBudget without prior written consent.
Termination of Use
SimplyBudget reserves the right to terminate or suspend your access to the Service at its sole discretion, with or without notice, for violations of these Terms of Use or any inappropriate or unlawful activity.
Your Agreement Not to Sue (Limitation of Liability)
BY USING SIMPLYBUDGET, YOU AGREE TO THE FOLLOWING, WHICH WAIVES YOUR RIGHT TO SUE US.
1. "As-Is" Service: The SimplyBudget app is provided "as is." That means we don’t make any promises that it will be perfect. The AI features may sometimes make mistakes, and you agree to use the app at your own risk. You are responsible for your own financial decisions.
2. WAIVER OF LIABILITY: YOU AGREE TO RELEASE AND WAIVE ANY AND ALL CLAIMS YOU MAY HAVE AGAINST SIMPLYBUDGET AND ITS TEAM. YOU AGREE NOT TO HOLD US RESPONSIBLE FOR ANY DAMAGES, FINANCIAL OR OTHERWISE, THAT MAY RESULT FROM USING OUR APP.
3. Limited Damages: If a court ever finds us responsible for any issue despite this agreement, the most you can receive in damages is the amount you paid for the app (e.g., $17.99 for the lifetime plan).
Changes to the Terms
SimplyBudget reserves the right to modify these Terms of Use periodically. When updates are made, the "Effective Date" at the top of the Terms will be revised. Continued use of SimplyBudget after changes are posted signifies your acceptance of the updated Terms of Use.
Contact Us
If you have any questions, comments, or concerns regarding these Terms of Use, please reach out to SimplyBudget support at simplybudgetapp@gmail.com.