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Terms of Service

1. Acceptance of Terms

By downloading, installing, or using the Budget Master app, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our app.

2. Description of Service

Budget Master is a personal finance management application that provides:

• Expense tracking and categorization
• Budget management and monitoring
• Financial analytics and insights
• Expense history and reporting
• Search and filtering capabilities

3. User Accounts and Data

3.1 Account Responsibility

You are responsible for:

• Maintaining the confidentiality of your device and app access
• All activities that occur within the app
• Ensuring the accuracy of financial data you input
• Backing up your data regularly

3.2 Data Ownership

You retain ownership of all financial data you input into the app. We do not claim ownership of your personal financial information.

4. Acceptable Use

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

• Use the app for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the app or its systems
• Interfere with or disrupt the app's functionality
• Reverse engineer, decompile, or disassemble the app
• Use the app to store or transmit malicious code
• Violate any applicable laws or regulations

5. Privacy and Data Protection

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

6. App Updates and Modifications

We may update the app from time to time to:

• Improve functionality and performance
• Fix bugs and security issues
• Add new features
• Comply with legal requirements

You agree to accept such updates and modifications. Continued use of the app after updates constitutes acceptance of the updated Terms.

7. Disclaimers and Limitations

7.1 Service Availability

The app is provided "as is" and "as available." We do not guarantee that the app will be available at all times or that it will be error-free.

7.2 Financial Advice

Budget Master is a financial management tool and does not provide financial advice. The app is for informational purposes only. You should consult with qualified financial professionals for personalized financial advice.

7.3 Data Accuracy

While we strive for accuracy, we cannot guarantee that all information provided by the app is completely accurate or up-to-date. You are responsible for verifying the accuracy of your financial data.

8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or data
• Business interruption
• Financial losses
• Any damages resulting from the use or inability to use the app

9. Indemnification

You agree to indemnify and hold harmless WYLIE BARBARA LEE from any claims, damages, losses, or expenses arising from your use of the app or violation of these Terms.

10. Intellectual Property

The Budget Master app, including its design, features, and content, is protected by intellectual property laws. You may not:

• Copy, modify, or distribute the app
• Create derivative works based on the app
• Remove or alter any copyright or proprietary notices

11. Termination

We may terminate or suspend your access to the app at any time, with or without cause, with or without notice. You may also stop using the app at any time.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

13. Dispute Resolution

Any disputes arising from these Terms or your use of the app shall be resolved through good faith negotiations. If such negotiations fail, disputes may be resolved through appropriate legal channels.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by:

• Posting updated Terms in the app
• Sending notifications through the app
• Updating the "Last Updated" date

Continued use of the app after changes constitutes acceptance of the updated Terms.

16. Contact Information