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Terms and Conditions

Effective Date: 01/01/2025

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Welcome to The Budget App, a financial management platform operated by Apoum Studios Ltd ("we", "our", "us"). These Terms and Conditions ("Terms") govern your use of The Budget App, including AI-powered features, Plaid integration, and all associated services.

By accessing or using The Budget App, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

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1. Eligibility & Legal Capacity

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You must be at least 13 years old to use The Budget App. If you are under the age of legal majority in your jurisdiction, you may only use the app with the consent of a parent or legal guardian. By using the app, you confirm that you meet these eligibility requirements or have obtained necessary consent.

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2. Overview of Our Services

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The Budget App provides users with tools to:

  • Link and view financial accounts via Plaid integration

  • Automatically categorize expenses using AI-powered algorithms

  • Track and analyze financial transactions

These services are provided for informational purposes only and do not constitute financial, legal, or tax advice.

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3. Third-Party Integrations (Plaid API)

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By connecting your financial accounts through Plaid, you agree to the Plaid End User Privacy Policy and grant Plaid the authority to access and transmit your financial data.

Limited Power of Attorney:
You authorize The Budget App to act as your agent solely for the purpose of retrieving your financial data via Plaid. We are not affiliated with or acting on behalf of any financial institution or Plaid.

We do not store your bank credentials, and all access is performed securely.

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4. AI-Powered Features and User Responsibility

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Our AI assistant helps categorize your expenses and provide financial insights.

  • No Guarantee of Accuracy: AI categorizations may not always be correct.

  • User Responsibility: You are responsible for reviewing and confirming your categorized transactions.

  • Liability Disclaimer: We are not liable for financial decisions or outcomes based on AI recommendations.

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5. Data Privacy and Security

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We prioritize your privacy and handle all data in accordance with our Privacy Policy (link placeholder).

  • Your data is securely accessed via Plaid; we do not store sensitive credentials.

  • AI features process financial data anonymously whenever possible.

  • You may request data deletion at any time by contacting our support team.

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6. Accuracy of Third-Party Data

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We retrieve financial data via third-party services like Plaid. While we strive to present accurate and up-to-date information, we cannot guarantee the correctness or timeliness of data sourced from third parties. You agree that such data is provided “as is” and at your own risk.

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7. Subscription and Fees

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Some features of The Budget App may require a paid subscription.

  • Billing: Payments are securely processed via third-party providers.

  • Refunds: All payments are non-refundable unless stated otherwise.

  • Changes: We may update our pricing and features with prior notice. Continued use of the app constitutes acceptance.

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8. Intellectual Property

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The Budget App and its content, design, logo, features, and technology are the property of Apoum Studios Ltd and protected under applicable copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, or commercially exploit any part of The Budget App without our prior written consent.

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9. Acceptable Use and Prohibited Conduct

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You agree to use The Budget App for lawful purposes only. You must not:

  • Use the app for illegal activities

  • Attempt to gain unauthorized access to other accounts

  • Introduce malware or harmful code

  • Interfere with the app's functionality or security

  • Use automated tools (bots, scrapers) to access our systems

  • Share your login credentials without proper authorization

We reserve the right to suspend or terminate accounts for any violations of these Terms.

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10. Disclaimers and Limitation of Liability

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  • No Financial Advice: The app is a tool to assist with budgeting, not a licensed financial advisory service.

  • Service Availability: We do not guarantee uninterrupted access to the app.

  • Liability Cap: Our total liability to you is limited to the amount paid in the previous 12 months.

We are not responsible for losses resulting from third-party services (like Plaid) or your use of AI-powered features.

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11. Termination of Use

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We may suspend or terminate your access to The Budget App without prior notice if you:

  • Violate these Terms

  • Misuse the app or its data

  • Are required to do so by law or regulation

You may also delete your account at any time by contacting support.

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12. Governing Law and Jurisdiction

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These Terms are governed by the laws of the State of Israel. Any disputes will be resolved exclusively in the courts of Tel Aviv, Israel.

We comply with Israeli consumer protection laws, including the Consumer Protection Law, 5741-1981.

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13. Modifications to Terms

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We may update these Terms from time to time. Continued use of the app after updates signifies acceptance. Please check this page periodically.

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14. Contact Us

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If you have any questions or need support, reach out to:

Apoum Studios Ltd
📧 contact@appums.com

By using The Budget App, you agree to these Terms and confirm that you have reviewed our Privacy Policy.

 

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