Terms of Service

These Terms of Service ("Terms") govern your use of the Budgy: Expense Tracker App mobile application ("Service") operated by VayVay ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Service after any such changes constitutes acceptance of the new Terms.

Budgy: Expense Tracker App is a personal expense tracking and budget management application that helps users monitor their financial activities, categorize expenses, and manage their budgets.

The Service includes features such as:

• Expense tracking and categorization
• Budget planning and monitoring
• Financial reports and analytics
• Data synchronization across devices
• Export functionality for personal records

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice.

To access certain features of the Service, you must create an account. You must be at least 13 years old to use this Service.

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure and confidential
• Take responsibility for all activities under your account
• Notify us immediately of any unauthorized access

You are responsible for safeguarding your account and all activities that occur under your account.

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key privacy principles:

• We do not sell or share your personal financial data with third parties
• All data is encrypted both in transit and at rest
• You have full control over your data and can delete it at any time
• We only collect data necessary for app functionality

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or its servers
• Use the Service to transmit harmful or malicious code
• Reverse engineer, decompile, or disassemble the application
• Use automated systems to access the Service

Violation of this policy may result in immediate termination of your account and access to the Service.

The Service and its original content, features, and functionality are and will remain the exclusive property of VayVay and its licensors.

The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.

You retain ownership of the data you input into the Service, but you grant us a license to use this data to provide and improve the Service.

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, expressed or implied, regarding the Service.

Financial Advice Disclaimer: Budgy: Expense Tracker App is a tool for tracking and organizing your financial information. It does not provide financial advice, investment recommendations, or professional financial planning services.

We do not guarantee:

• Uninterrupted or error-free operation
• Accuracy of calculations or data processing
• Compatibility with all devices or operating systems
• That the Service will meet your specific requirements

Your use of the Service is at your sole risk. We recommend regularly backing up your data and consulting with financial professionals for important financial decisions.

You may terminate your account at any time by contacting us or using the account deletion feature in the app.

We may terminate or suspend your account immediately, without prior notice, for any reason, including violation of these Terms.

Upon termination, your right to use the Service will cease immediately. We will make reasonable efforts to provide you with access to your data for a limited period following termination.