Last Updated: January 30, 2025
Agreement to Terms
By accessing and using BudgetForge’s website (www.budgetforge.com) and financial planning tools, you agree to be bound by these Terms of Service (“Terms”). These Terms govern your access to and use of our budgeting platform, tools, and services. Please review them carefully before proceeding with account creation or service use.
Service Description
BudgetForge provides personal financial management tools, budgeting solutions, and money tracking services. Our platform enables users to create budgets, track expenses, set financial goals, and analyze spending patterns. We offer these services through our website and associated applications while maintaining high standards of financial data security and user privacy.
Account Registration
Account Creation
To use BudgetForge’s budgeting tools, you must create an account by providing accurate and complete registration information. You agree to maintain and promptly update this information to ensure its accuracy. Users must be at least 18 years old to create an account and use our services.
Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account. This includes selecting a strong password, protecting your login information, and immediately notifying us of any unauthorized account access or security breaches.
Financial Data Integration
External Account Connections
When you choose to connect external financial accounts to BudgetForge, you authorize us to access your financial institution data through secure, encrypted connections. We maintain read-only access to this information and cannot initiate transactions or modify your external accounts in any way.
Data Accuracy
While we strive to maintain accurate financial information, you are responsible for verifying the accuracy of all imported transactions and budget calculations. BudgetForge is not liable for any discrepancies between our displayed information and your actual financial records.
Acceptable Use
Permitted Activities
You may use our budgeting tools for personal financial management, including expense tracking, budget planning, and financial goal setting. Our services are designed for individual use and may be used for household financial planning when appropriate.
Prohibited Activities
You must not use BudgetForge’s services for any unlawful purpose or in violation of any applicable regulations. Prohibited activities include attempting to access other users’ accounts, manipulating financial data, or using our platform for fraudulent purposes.
Electronic Communications
By using BudgetForge, you consent to receive electronic communications from us regarding your account, service updates, and financial insights. These communications are part of your relationship with us and may include emails, in-app notifications, and account alerts. You agree that electronic notices satisfy any legal requirements for written communications.
Intellectual Property Rights
Platform Content
All content within the BudgetForge platform, including but not limited to budgeting tools, financial calculators, graphs, and educational materials, is our exclusive property. You may not reproduce, distribute, or create derivative works from this content without explicit written permission.
User Content
You retain ownership of any financial data and personal information you input into our platform. However, you grant BudgetForge a license to use this information to provide and improve our services, generate aggregated insights, and enhance our budgeting tools.
Service Modifications
We may modify, update, or discontinue any aspect of our budgeting services at our discretion. This includes adding or removing features, adjusting pricing structures, or changing integration capabilities with financial institutions. We will provide reasonable notice of significant changes through our platform or via email.
Financial Disclaimer
BudgetForge provides tools for personal financial management but does not offer financial advice, investment recommendations, or professional financial planning services. Our budgeting insights and suggestions are generated automatically based on your input data and should not be considered professional financial guidance.
Premium Services
Subscription Terms
If you choose to upgrade to premium budgeting features, you agree to pay all applicable fees as described at the time of purchase. Subscription fees are billed in advance and may be changed with reasonable notice. You may cancel your premium subscription at any time, but refunds are provided only as specified in our refund policy.
Payment Processing
We process payments through secure, third-party payment processors. By subscribing to premium features, you agree to provide accurate billing information and authorize us to charge your chosen payment method for all applicable fees.
Data Retention
We retain your financial data and account information as long as necessary to provide our services and comply with legal obligations. You may request deletion of your account and associated data at any time, subject to our legal retention requirements and privacy policy guidelines.
Limitation of Liability
BudgetForge provides budgeting tools “as is” without warranties of any kind. We are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of our services, including any errors in financial calculations, budget projections, or spending analyses.
Service Availability
While we strive to maintain consistent access to our budgeting tools, we do not guarantee uninterrupted service availability. Temporary service interruptions may occur for system maintenance, updates, or factors beyond our control. We are not liable for any impact such interruptions may have on your financial planning activities.
Termination
We reserve the right to suspend or terminate your access to BudgetForge for violations of these Terms or for any other reason at our discretion. Upon termination, you will lose access to our budgeting tools and services, though you may request an export of your financial data within a reasonable timeframe.
Governing Law
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflicts of law principles. Any disputes arising from these Terms or your use of BudgetForge shall be subject to the exclusive jurisdiction of the courts in our jurisdiction of registration.
Contact Information
For questions about these Terms of Service or our budgeting platform, please contact:
Email: [email protected]
Changes to Terms
We may update these Terms periodically to reflect changes in our services or legal requirements. Continued use of BudgetForge following any changes constitutes acceptance of the updated Terms. We will notify users of significant changes through our platform or via email.