Terms of Service

Last updated: May 2, 2026

AGREEMENT TO OUR LEGAL TERMS

We are BudgetBotApp, LLC ("Company," "we," "us," "our"), a limited liability company organized under the laws of the State of Delaware, United States.

We operate the website https://budgetbot.app (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

You can contact us by email at admin@budgetbot.app. For our registered mailing address, please contact us by email and we will provide it on request.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and BudgetBotApp, LLC, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We may modify these Legal Terms from time to time. We will alert you about any changes by updating the "Last updated" date above and, where the changes are material, by sending notice to the email address associated with your account (which may be sent from DoNotReply@budgetbot.app). It is your responsibility to periodically review these Legal Terms. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

1. OUR SERVICES

BudgetBot is a personal finance and budgeting tool that helps individuals view and organize their financial data and interact with an AI-based financial assistant. We are not a bank, broker-dealer, investment adviser, financial planner, money transmitter, tax adviser, or accounting firm, and we do not provide banking, brokerage, advisory, tax, or legal services.

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not designed or tailored to comply with industry-specific regulations such as the Health Insurance Portability and Accountability Act (HIPAA) or the Federal Information Security Management Act (FISMA). If your interactions would be subject to such laws, you may not use the Services. You are solely responsible for ensuring that your use of the Services complies with all laws, regulations, and rules applicable to you.

2. NOT FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE

THE SERVICES, INCLUDING ANY OUTPUT GENERATED BY THE BUDGETBOT AI ASSISTANT, ARE PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING ON OR AVAILABLE THROUGH THE SERVICES CONSTITUTES FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE, A RECOMMENDATION OR SOLICITATION TO BUY OR SELL ANY SECURITY OR OTHER FINANCIAL INSTRUMENT, OR AN OFFER TO ENTER INTO ANY TRANSACTION.

We are not a registered investment adviser under the U.S. Investment Advisers Act of 1940 or any state securities laws, and we do not have a fiduciary relationship with you. Any decisions you make based on information available through the Services are made entirely at your own risk. You should consult a qualified, licensed professional (such as a certified financial planner, certified public accountant, tax attorney, or licensed investment adviser) before making any financial, investment, tax, or legal decision.

3. AI ASSISTANT AND AI-GENERATED CONTENT

The Services include an artificial intelligence assistant ("BudgetBot AI") that uses third-party large language model services to generate responses. AI-generated output is probabilistic and may be inaccurate, incomplete, biased, out of date, or otherwise unreliable, including with respect to your personal financial data. AI output may "hallucinate" — that is, present false information as if it were factual.

You acknowledge and agree that:

You will independently verify any information generated by the BudgetBot AI before relying on it for any purpose.
We make no representation or warranty that AI output is accurate, appropriate to your circumstances, or fit for any particular purpose.
You are solely responsible for any decisions you make based on AI output, and we will not be liable for any losses or damages arising from your reliance on it.
To respond to your prompts, the BudgetBot AI may receive and process the contents of the spreadsheet sheet you have open at the time of your request, including financial data sourced from your linked bank accounts.
We may, in compliance with our Privacy Policy, retain prompts and responses to operate, improve, monitor, and secure the Services.

4. THIRD-PARTY SERVICES

The Services rely on third-party providers to function, including without limitation:

Plaid Inc. for connecting your bank, brokerage, and other financial accounts and retrieving account and transaction data. By using the Services to link a financial account, you also agree to Plaid's end-user privacy policy and terms of service, available at https://plaid.com/legal/. Your bank login credentials are submitted to Plaid and are not received, stored, or accessible by us.
Stripe, Inc. for payment processing and subscription management. Payment card data is collected and stored by Stripe and is not received or stored by us in full.
Microsoft Azure OpenAI Service for the BudgetBot AI assistant.
Other infrastructure providers (such as cloud hosting, email delivery, analytics, and authentication providers) as described in our Privacy Policy.

Your use of these third-party services is subject to those providers' own terms and privacy policies. We are not responsible or liable for the availability, accuracy, security, content, products, or services of any third party, and we do not guarantee continued compatibility with any third-party provider.

5. FINANCIAL DATA ACCURACY

Account balances, transactions, categorizations, and other financial data displayed in the Services are obtained from third-party data providers (primarily Plaid) and may be delayed, incomplete, duplicated, misclassified, or otherwise incorrect. The Services are not the system of record for your financial accounts. You are solely responsible for independently reviewing your official statements provided by your bank or financial institution and for reconciling any discrepancies. We make no warranty as to the accuracy, completeness, timeliness, or reliability of any financial data displayed through the Services.

6. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to access the Services and to download or print a copy of any portion of the Content to which you have properly gained access, in each case solely for your personal, non-commercial use.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to admin@budgetbot.app. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these intellectual property rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions

By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submissions. You agree that we shall own these Submissions and be entitled to their unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.

7. USER REPRESENTATIONS

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update it as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are at least 18 years old and not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; (7) you will only link financial accounts that you own or are otherwise legally authorized to access; and (8) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

8. USER REGISTRATION

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. You must promptly notify us if you suspect any unauthorized access to or use of your account. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

9. PURCHASES AND PAYMENT

We accept payment through major credit and debit cards (including Visa, Mastercard, American Express, and Discover) processed by our third-party payment processor, Stripe. We do not store full card numbers on our own systems.

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax and similar charges will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US dollars.

You agree to pay all charges at the prices then in effect for your purchases, and you authorize us (and our payment processor) to charge your chosen payment method for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment, and to refuse any order placed through the Services in our sole discretion.

10. SUBSCRIPTIONS

Plans and free tier

We offer the Services on a permanent free tier ("Free Tier") as well as one or more paid subscription plans. The Free Tier is available without payment but is subject to feature and usage limits (for example, a limit on the number of linked financial accounts and a daily cap on BudgetBot AI requests). Current plan features, usage limits, and pricing are described on our pricing page at /company/pricing. We may modify the limits, features, or pricing of any plan (including the Free Tier) at any time as described below.

Billing and renewal

Paid subscriptions are offered on monthly and annual billing cycles, as selected at the time of purchase. Your subscription will continue and automatically renew at the then-current rate at the end of each billing cycle unless and until you cancel. You consent to our (and our payment processor's) charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel.

Cancellation and refunds

You may cancel your paid subscription at any time by managing your subscription through your account settings or by emailing us at admin@budgetbot.app. Your cancellation will take effect at the end of the then-current paid billing period; you will continue to have access to the paid features until that date and will not receive a partial-period refund or a credit for any unused portion of the billing cycle.

ALL PURCHASES AND SUBSCRIPTION FEES ARE FINAL AND NON-REFUNDABLE, EXCEPT WHERE REQUIRED BY APPLICABLE LAW. Some jurisdictions provide statutory rights to a refund or cancellation regardless of these Legal Terms; nothing in these Legal Terms is intended to limit any such non-waivable rights.

Fee changes

We may, from time to time, make changes to the subscription fees and will communicate any price changes to you in advance in accordance with applicable law. If you do not agree to a price change, you may cancel your subscription before the change takes effect.

11. SECURITY AND DATA INTEGRITY

We use industry-standard administrative, technical, and physical safeguards designed to protect the data you provide to us, including encryption of data in transit (TLS) and at rest. You acknowledge, however, that no method of transmission over the Internet or method of electronic storage is fully secure, and we cannot guarantee the absolute security of your data. You are responsible for keeping your account credentials confidential and for promptly notifying us of any actual or suspected unauthorized access to your account.

The Services persist your spreadsheet data using an eventual-consistency, last-writer-wins model. If you edit the same spreadsheet concurrently from more than one browser tab, device, or session, some of your changes may be overwritten or lost. We perform routine backups but do not guarantee the recoverability of any specific change or version. You agree that we shall have no liability to you for any loss or corruption of data, and you hereby waive any right of action against us arising from any such loss or corruption.

12. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Trick, defraud, or mislead us or other users, especially in any attempt to learn sensitive account information such as user passwords.
Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content.
Disparage, tarnish, or otherwise harm us and/or the Services.
Use any information obtained from the Services in order to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct.
Use the Services in a manner inconsistent with any applicable laws or regulations, including, without limitation, any laws relating to money laundering, terrorist financing, fraud, or tax evasion.
Link, attempt to link, or provide credentials for any financial account that you do not own or that you are not legally authorized to access on behalf of the account holder.
Engage in unauthorized framing of or linking to the Services.
Upload or transmit (or attempt to upload or transmit) viruses, Trojan horses, or other material that interferes with any party's uninterrupted use and enjoyment of the Services or that modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
Engage in any automated use of the system, such as using scripts to send messages, or using any data mining, robots, or similar data gathering and extraction tools.
Delete the copyright or other proprietary rights notice from any Content.
Attempt to impersonate another user or person or use the username of another user.
Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services, including any usage caps, rate limits, or plan limitations.
Copy or adapt the Services' software, including but not limited to HTML, JavaScript, TypeScript, or other code.
Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services, or attempt to discover, extract, or reverse engineer any system prompts, model parameters, or training data underlying the BudgetBot AI.
Use the Services to develop, train, or fine-tune any machine learning or artificial intelligence model, or to evaluate or benchmark a competing product or service.
Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation any spider, robot, scraper, or offline reader that accesses the Services.
Make any unauthorized use of the Services, including collecting usernames or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
Sell or otherwise transfer your account.
Use the Services to advertise or offer to sell goods and services.

13. USER GENERATED CONTRIBUTIONS

The Services do not generally invite users to publicly submit or post content. To the extent that we provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services (collectively, "Contributions"), you represent and warrant that:

The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
You are the creator and owner of, or have the necessary licenses, rights, consents, releases, and permissions to use, your Contributions.
Your Contributions are not false, inaccurate, or misleading.
Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable.
Your Contributions do not violate any applicable law, regulation, or rule, or the privacy or publicity rights of any third party.
Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

14. CONTRIBUTION LICENSE

You and the Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings).

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

15. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

16. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy at https://budgetbot.app/company/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. The Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services you are transferring your data to the United States and you expressly consent to have your data transferred to and processed in the United States.

17. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES) TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

18. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, third-party provider, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

19. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to be entirely performed within the State of Delaware, without regard to its conflict of law principles. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) is excluded from these Legal Terms.

20. DISPUTE RESOLUTION; BINDING ARBITRATION; CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND US TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND LIMITS THE WAY YOU CAN SEEK RELIEF FROM US, INCLUDING BY WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION.

Informal resolution

Before filing a claim against us, you agree to attempt to resolve the dispute informally by sending a written notice describing the claim, the relief sought, and your contact information to admin@budgetbot.app. We will attempt to resolve the dispute through good-faith negotiation for at least sixty (60) days after the notice is received. Neither you nor we may commence an arbitration proceeding unless this informal resolution process has been completed.

Binding individual arbitration

Any dispute, claim, or controversy arising out of or relating to these Legal Terms or the Services (a "Dispute") that is not resolved through informal resolution shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (the "AAA Rules"), except as modified by these Legal Terms. The AAA Rules are available at https://www.adr.org/. The arbitration shall be conducted by a single arbitrator. The seat of arbitration shall be Delaware; in-person hearings, if any, shall take place in the county of your residence or another location agreed upon by the parties. The arbitrator's award shall be final and binding, and judgment upon the award may be entered in any court of competent jurisdiction.

Class action waiver

YOU AND WE EACH AGREE THAT ANY DISPUTE WILL BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL. If this class action waiver is found to be unenforceable as to any claim, then that claim (and only that claim) must be severed from any arbitration and brought in a court of competent jurisdiction located in Delaware.

Small claims carve-out

Notwithstanding the foregoing, either party may bring an individual action in small claims court for any claim that qualifies, so long as the action is maintained on an individual (non-class, non-representative) basis.

30-day right to opt out

You may opt out of the agreement to arbitrate and the class action waiver in this Section 20 by sending written notice of your decision to opt out to admin@budgetbot.app with the subject line "Arbitration Opt-Out" within thirty (30) days after first becoming subject to these Legal Terms. Your notice must include your full name, email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other terms in these Legal Terms.

Exclusive forum

For any Dispute that is not subject to arbitration (including a Dispute as to the formation, applicability, or enforceability of this arbitration agreement, or one for which you have validly opted out), you and we agree that the exclusive forum shall be the state and federal courts located in Delaware, and you and we hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in such courts.

21. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

22. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT (INCLUDING ANY AI-GENERATED CONTENT OR ANY FINANCIAL DATA OBTAINED FROM THIRD-PARTY PROVIDERS) OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES, AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES, OR (7) ANY ACTS OR OMISSIONS OF ANY THIRD-PARTY SERVICE PROVIDER, INCLUDING BUT NOT LIMITED TO PLAID, STRIPE, OR THE PROVIDER OF THE LARGE LANGUAGE MODEL UNDERLYING THE BUDGETBOT AI.

23. LIMITATION OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CAUSES WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE GREATER OF (A) THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE THREE (3) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00). CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

24. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights or privacy rights; (5) your linking or attempted linking of any financial account that you do not own or are not legally authorized to access; or (6) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

25. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

26. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

27. CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254. California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), as described in our Privacy Policy at https://budgetbot.app/company/privacy.

28. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

29. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

BudgetBotApp, LLC
State of Delaware, United States
admin@budgetbot.app