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Terms of Service

Last updated October 2, 2026

By creating an account or using BudgetIQ you agree to these terms.

The service

BudgetIQ helps you track and plan your personal finances. Features may change over time. You must be at least 16 years old to use it.

Not financial advice

BudgetIQ, including its AI features, provides general information only. It is not a bank, broker, tax, legal or licensed financial advisor. Forecasts and AI answers may be wrong; check important decisions with a qualified professional.

Your account and data

Keep your login secure and provide accurate information. You own the data you enter. You give us permission to process it only to run the service, as described in our Privacy Policy.

Communications

We send account emails needed to run your account. Alert emails and product updates are optional and can be turned off in Settings or via the unsubscribe link in any email.

Paid plans, renewal and refunds

BudgetIQ is currently free. If we introduce paid plans, we will tell you in advance and you will never be charged without signing up for one. Paid plans would be governed by our Billing, Auto-Renewal & Refund Policy, which is part of these terms.

Acceptable use

Do not misuse the service, attempt to access other people's data, or break the law.

Termination

You can delete your account at any time in Settings → Data.

Disclaimers and liability

The service is provided "as is". To the extent permitted by law, we are not liable for indirect or consequential losses, or for financial decisions you make based on the service.

Contact

privacy@budgetiqapp.com