Terms of Service for Budget Pilot App

Acceptance of Terms

By downloading, accessing, or using Budget Pilot ("the App"), you agree to be bound by these Terms of Use. If you do not agree, do not use the App.

Description of Service

Budget Pilot is a personal finance tracking application that allows you to:

• Track bank accounts, budgets, and financial transactions
• Categorize income and expenses
• Sync data across devices when logged in

Account and Trial Usage

Free Trial

• Available for 2 weeks without requiring login
• May be extended in certain circumstances at our discretion
• Limited to local device storage only
• Basic tracking functionality included

User Accounts

• Login available through Google OAuth only
• Creates account in Firebase Authentication
• Enables cloud sync and cross-device access

User Responsibilities

You agree to:

• Use the App only for personal finance tracking
• Maintain the security of your Google account credentials
• Not attempt to access other users' data
• Comply with all applicable laws

Data and Privacy

• Your financial data belongs to you
• We provide cloud sync as a convenience service
• Important: Logging out deletes local data. Ensure sync is complete before logging out, because unsynced data may be lost
• See our Privacy Policy for detailed data handling practices

Service Availability

• We strive for reliable service but cannot guarantee 100% uptime
• Cloud sync depends on Firebase/Google services
• We reserve the right to perform maintenance that may temporarily affect service

Data Retention and Account Termination

• Cloud data persists after logout for cross-device sync
• Inactive accounts (expired trial/subscription inactive for 6+ months) may have data deleted
• You may delete your account and data at https://budgetpilot.net/delete-me

Limitations of Liability

Budget Pilot is provided "as is." We are not liable for:

• Financial decisions made based on App data
• Data loss due to technical issues or user actions
• Service interruptions
• Accuracy of user-entered information

Intellectual Property

• Budget Pilot and its features are our intellectual property
• You retain ownership of your financial data
• You may not reverse engineer or redistribute the App

Subscription and Payment Terms

Subscription Types

• Monthly Subscription: Billed monthly with automatic renewal
• Annual Subscription: Billed yearly at a discounted rate with automatic renewal
• Lifetime Subscription: One-time payment with permanent access (when offered)

Payment and Grace Periods

• Monthly subscribers: 7-day grace period after failed payment before access is suspended
• Annual subscribers: 14-day grace period after failed payment before access is suspended
• Everyone: Data deletion after 6 months of inactive/expired subscription

Automatic Renewal

• Subscriptions automatically renew unless cancelled before the renewal date
• You can cancel through your app store account settings
• Cancellation takes effect at the end of the current billing period

Refunds

• Refund policies are subject to app store terms (Apple App Store, Google Play Store)

Termination

We may terminate access for:

• Violation of these terms
• Misuse of the service
• Technical or security reasons

Changes to Terms

We reserve the right to modify these terms at any time. Continued use after changes constitutes acceptance of new terms.

Governing Law

These terms are governed by United Kingdom law.

Contact Information

For questions about these terms, contact us at https://budgetpilot.net/contact