Terms & Conditions

1. Acceptance of Terms

By accessing and using My Budget Mate ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

My Budget Mate is a web-based application that provides tools for tracking expenses, managing income, and organizing financial data using envelope budgeting principles. The Service is provided for educational and personal financial management purposes only.

3. User Accounts

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your account information to keep it accurate
• Maintain the security of your password and identification
• Accept all responsibility for activities that occur under your account
• Notify us immediately of any unauthorized use of your account

4. Financial Disclaimer

The information provided by the Service is for general informational purposes only. You should not rely on this information as a substitute for professional financial advice. Always seek the advice of qualified financial advisors, accountants, or other qualified professionals with any questions you may have regarding your financial situation.

5. User Responsibilities

You are solely responsible for:

• The accuracy of all financial data you enter into the Service
• All financial decisions you make based on information from the Service
• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Complying with all applicable laws and regulations

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your data.

7. Service Availability

We strive to provide reliable service but do not guarantee that the Service will be available at all times. The Service may be unavailable due to maintenance, updates, or circumstances beyond our control. We are not liable for any loss or damage resulting from Service unavailability.

8. Limitation of Liability

To the fullest extent permitted by law, My Budget Mate shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

9. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by updating the "Last updated" date at the top of this page. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

11. Contact Information

If you have any questions about these Terms, please contact us through the Service or visit our website.