Terms and Conditions

Agreement to Terms

By accessing and using Budget Before Broke, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Budget Before Broke is a personal financial management platform that helps users track expenses, create budgets, and achieve their financial goals. Our service includes:

• Expense tracking and categorization
• Budget creation and monitoring
• Financial insights and analytics
• Goal setting and progress tracking
• Bank account integration (through third-party providers)
• Financial education resources

User Accounts and Responsibilities

Account Creation

• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must be at least 18 years old to create an account
• One account per person is permitted

Account Security

• Keep your password confidential and secure
• Notify us immediately of any unauthorized access
• You are responsible for all activities under your account
• Use strong passwords and enable two-factor authentication when available

Acceptable Use Policy

You agree not to use our service for any of the following purposes:

• Any unlawful purpose or activity
• Harassing, abusing, or harming others
• Violating intellectual property rights
• Distributing spam or malicious content
• Attempting to gain unauthorized access to our systems
• Interfering with the proper functioning of our service
• Creating multiple accounts to circumvent limitations

Financial Information and Disclaimers

• We do not provide financial, investment, or tax advice
• Our insights and recommendations are for informational purposes only
• You should consult with qualified financial professionals for specific advice
• We are not responsible for financial decisions made based on our platform
• Past performance does not guarantee future results

Data Accuracy and Responsibility

While we strive to provide accurate financial data through our third-party integrations:

• You are responsible for verifying the accuracy of your financial data
• We recommend regularly reviewing your account information
• Report any discrepancies immediately
• We are not liable for decisions based on inaccurate data
• Always refer to your official bank statements for definitive information

Subscription and Payment Terms

Free and Paid Services

• Basic features are available for free
• Premium features require a paid subscription
• Pricing is subject to change with notice
• Subscriptions automatically renew unless cancelled

Cancellation and Refunds

• You may cancel your subscription at any time
• Cancellation takes effect at the end of the current billing period
• Refunds are provided according to our refund policy
• No refunds for partial months of service

Intellectual Property

The Budget Before Broke platform, including all content, features, and functionality, is owned by us and protected by copyright, trademark, and other intellectual property laws.

• You may not copy, modify, or distribute our content
• You retain ownership of your personal financial data
• You grant us license to use your data to provide our services
• Feedback and suggestions may be used without compensation

Limitation of Liability

To the maximum extent permitted by law:

• We provide our service "as is" without warranties
• We are not liable for indirect or consequential damages
• Our total liability is limited to the amount you paid us
• We are not responsible for third-party service failures
• Some jurisdictions do not allow these limitations

Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

Upon termination, your right to use the service will cease immediately. You may delete your account at any time by contacting customer support.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through our platform. Your continued use of the service constitutes acceptance of the revised terms.

Governing Law

These terms are governed by and construed in accordance with the laws of [Your Jurisdiction], and you irrevocably submit to the exclusive jurisdiction of the courts in that state or location.