BudgetSmart Terms of Use
Effective Date: November 9, 2026 | Version: 1.4
These terms are an agreement between you and Optima Geeks, the provider of BudgetSmart ("we", "our", or "us"). By creating an account or using BudgetSmart, you agree to them. If you do not agree, please do not use the app.
1. Who Can Use BudgetSmart
You must be at least 13 years old, or at least 16 in the European Union, to use BudgetSmart. If you are under the age of majority where you live, a parent or guardian must agree to these terms for you.
2. Your Account
- Give accurate information and keep your email address up to date.
- Keep your password and device secure. You are responsible for activity on your account.
- Tell us at [email protected] if you think someone else has accessed your account.
3. What BudgetSmart Is For
BudgetSmart helps you record and review your own expenses, budgets, bills, loans and income. It does not connect to your bank, move money or make payments. Marking a bill as paid only updates your records, and counts the bill as spending.
BudgetSmart does not provide financial, tax, legal or investment advice. Totals and alerts are based on what you enter, so please check important figures yourself. Reminders may be delayed or missed, so do not rely on them alone for payments that matter.
4. Acceptable Use
You agree not to:
- Break any law or use the app to carry out fraud.
- Access another person's account or data without permission.
- Interfere with, overload or try to break the security of the service.
- Copy, resell or reverse engineer the app, except where the law allows it.
5. Your Data
The financial records you enter remain yours. We use them only to provide the service, as described in our Privacy Policy, which is part of these terms.
6. Advertising
BudgetSmart is free to use and shows ads provided by Google AdMob on some screens. A few optional features, such as emailing your monthly statement, start with a short ad you choose to watch. We are not responsible for the content of ads or for what third parties offer through them.
7. Our App
We own BudgetSmart, including its design, name and code. We give you a personal, non-exclusive, non-transferable right to use the app for your own non-commercial purposes on devices you own or control.
8. Changes and Availability
We may add, change or remove features, and the service may sometimes be unavailable. We may update these terms. If a change is significant, we will let you know in the app or by email. Continuing to use BudgetSmart after a change means you accept it.
9. Ending Your Use
You can stop using BudgetSmart and delete your account at any time under Settings, Privacy & Account, Delete Account. We may suspend or close an account that seriously or repeatedly breaks these terms.
10. Disclaimers and Liability
BudgetSmart is provided "as is" and "as available". To the extent the law allows, we make no guarantee that it will be error-free or uninterrupted, and we are not liable for indirect or consequential losses, or for financial decisions you make using the app. Nothing in these terms limits rights you have under consumer law that cannot legally be limited.
11. If You Downloaded from the App Store
- These terms are between you and Optima Geeks, not Apple. Optima Geeks, not Apple, is responsible for the app and its content, including maintenance, support, product claims and intellectual property claims.
- Your right to use the app is limited to Apple-branded devices you own or control, as allowed by the Usage Rules in the App Store Terms of Service.
- If the app fails to meet an applicable warranty, you may notify Apple, which will refund any purchase price paid. Apple has no other warranty obligation for the app.
- You confirm that you are not in a country subject to a US government embargo and are not on a US government list of prohibited parties.
- Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.
12. Contact Us
For questions about these terms, email [email protected].