Terms of Use — Budly

Budly is an expense tracking app developed by Giuliano Accorsi ("we", "us", "our"). These Terms of Use govern your access to and use of Budly. By downloading, installing, or using Budly, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account or using Budly, you confirm that you are at least 13 years of age (or the minimum age required in your jurisdiction) and agree to these Terms of Use and our Privacy Policy. If you do not agree to these terms, do not use the app.

2. Subscription & Payment

Budly requires a paid subscription ("Budly Pro") to use. The following plans are available:

• Budly Pro Monthly: $3.99 USD per month
• Budly Pro Annual: $34.99 USD per year

Prices may vary by region. The actual price displayed in the App Store at the time of purchase applies. Payment is charged to your Apple ID account at the confirmation of purchase. All payments are processed by Apple through your Apple ID. Budly does not collect or store any payment or billing information.

Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscription at any time in your device's Settings > Apple ID > Subscriptions.

3. Free Trial

Budly may offer a free trial period for new subscribers:

• Monthly plan: 2-week free trial
• Annual plan: 1-month free trial

At the end of the free trial, your subscription will automatically convert to a paid subscription and your Apple ID account will be charged unless you cancel at least 24 hours before the trial ends. Any unused portion of a free trial period will be forfeited when you purchase a subscription. Free trials are offered at our sole discretion and may be modified, shortened, or discontinued at any time without prior notice.

4. Refunds

All purchases are processed by Apple. Refunds are handled by Apple in accordance with their refund policy. To request a refund, visit reportaproblem.apple.com or contact Apple Support. Budly does not process refunds directly.

5. Account & Data

You are responsible for maintaining the confidentiality of your account credentials. Your financial data is stored locally on your device and, when signed in, synchronized to the cloud via Firebase Firestore for backup and multi-device access.

You can export your data at any time via Settings > Export Data. You can permanently delete your account and all associated data via Settings > Delete Account. Deletion is irreversible.

Budly also includes an in-app AI assistant powered by Google's Gemini model via Firebase AI Logic (Vertex AI backend). When you use the assistant, your chat messages and aggregated financial summaries requested by the assistant's tools are transmitted to Google Cloud for processing. Under Google Cloud terms, this data is not used to train Google's foundation models. Chat history is stored locally on your device only.

For details on how we handle your data, see our Privacy Policy.

6. Acceptable Use

Budly is intended for personal, non-commercial expense tracking. You agree not to:

• Reverse engineer, decompile, or disassemble any part of the app
• Use the app for any unlawful purpose
• Attempt to gain unauthorized access to our servers or services
• Distribute, sublicense, or resell access to the app

7. Intellectual Property

Budly, including its design, code, features, and content, is the property of Giuliano Accorsi and is protected by applicable intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable license to use the app for personal purposes.

8. Disclaimers & Limitation of Liability

Budly is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the app will be error-free or uninterrupted.

Budly is a personal finance tracking tool and does not provide financial, tax, investment, or legal advice. You are solely responsible for your financial decisions.

The in-app AI assistant generates responses using a third-party generative model and may produce inaccurate, incomplete, or misleading information. Its responses are provided for informational purposes only and must not be relied upon as professional advice. Always verify important figures against your own records.

To the maximum extent permitted by applicable law, Giuliano Accorsi shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the app.

9. Termination

You may stop using Budly at any time by canceling your subscription and deleting the app. We reserve the right to suspend or terminate your access if you violate these terms.

Upon termination, your right to use the app ceases immediately. You may export your data before deleting your account.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Brazil, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Brazil.

11. General Provisions

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

These Terms of Use, together with the Privacy Policy, constitute the entire agreement between you and Giuliano Accorsi regarding your use of Budly.

12. Apple Third-Party Beneficiary

You acknowledge and agree that Apple Inc. is a third-party beneficiary of these Terms of Use and, upon your acceptance, Apple will have the right to enforce these terms against you as a third-party beneficiary thereof.

13. Changes to These Terms

We may update these Terms of Use from time to time. Changes will be reflected on this page with an updated revision date. Continued use of Budly after changes constitutes acceptance of the revised terms.

14. Contact

If you have any questions about these Terms of Use, please contact:

Giuliano Accorsi
Email: giulianoaccorsi@gmail.com