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📜 Terms of Service

Last updated: February 3, 2026

1. Acceptance of Terms

By downloading, installing, or using Budget Flow ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App.

2. Description of Service

Budget Flow is a personal finance management application that allows users to:

💡 Budget Flow is designed as a personal budgeting tool. It is not intended to provide financial, investment, or tax advice.

3. User Accounts and Responsibilities

When using Budget Flow, you agree to:

4. Subscription and Payments

Budget Flow offers both free and premium features:

Premium subscriptions are billed through your App Store or Google Play account. You can manage or cancel your subscription through your device's subscription settings.

5. Intellectual Property

All content, features, and functionality of Budget Flow, including but not limited to text, graphics, logos, icons, and software, are the exclusive property of Budget Flow and are protected by international copyright, trademark, and other intellectual property laws.

6. Data and Privacy

Your use of Budget Flow is also governed by our Privacy Policy. By using the App, you consent to the collection and use of information as described in our Privacy Policy.

7. Disclaimer of Warranties

⚠️ Budget Flow is provided "as is" and "as available" without any warranties of any kind, either express or implied.

We do not warrant that:

8. Limitation of Liability

To the maximum extent permitted by law, Budget Flow and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

9. Indemnification

You agree to indemnify and hold harmless Budget Flow and its developers from any claims, damages, losses, liabilities, and expenses arising out of your use of the app or violation of these Terms.

10. Modifications to the Service

We reserve the right to modify, suspend, or discontinue the App at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the App after any changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Budget Flow operates, without regard to its conflict of law provisions.

13. Contact Information

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