Terms of Service for Budget Tracker

Effective Date: April 19, 2026
Last Updated: June 27, 2026

1. Introduction and Acceptance of Terms

Welcome to Budget Tracker (“App”), a personal budget tracking application. By downloading, installing, or using the App, you agree to these Terms of Service (“Terms”). If you do not agree, immediately uninstall the App.

Who We Are?

Budget Tracker is developed by an individual (solo) developer. I created this app to meet my own financial tracking needs and made it available to everyone, with a strong focus on privacy. We have performed extensive testing — including manual tests across various devices, operating systems, and long-term usage scenarios — to help ensure the app functions as intended.

However, due to the wide variety of mobile devices, OS versions, hardware configurations, and individual usage patterns, no mobile app can be guaranteed to be 100% error-free in every situation. This is why the App is provided “AS IS” (as is), with no warranties. This approach allows us to prioritize your data privacy above all else (see Section 21 for full explanation).

IMPORTANT NOTICE: This App is provided “AS IS” without any warranties or guarantees. We make no promises about the App’s performance, reliability, accuracy, or fitness for any purpose.

2. App Description

Budget Tracker is a personal tracking tool that stores data locally on your device. The App provides expense tracking, goal setting, transaction recording, and visualization features.

2.1 Core Features

The App may include (but is not limited to):

Account management with optional password protection
Multi-currency wallet management with daily exchange rate updates
Multi-account organization with default account settings
Comprehensive category management: custom and default categories, tabbed income/expense interface, search, pagination, favorites, editing/deletion, wallet-specific categories, color customization, icon selection with category-based filtering and grid layout, detailed edit dialogs (name, color picker, icon)
Transaction recording (income/expense): tabbed interface, wallet selection, period filtering (daily/weekly/monthly/yearly/custom), date navigation, category filtering, multi-field search, customizable pagination, editing/deletion (non-recurring only), photo viewing, currency conversion display, recurring indicators
Advanced goal tracking with progress monitoring
Advanced recurring transactions with automatic generation
Notification system with dual reminders
Comprehensive reports and charts: wallet reports (period/date filtering, summaries, category breakdowns, recent transactions), goals reports (summary, status/category views, activity, deadlines), tabbed interface
Debt and receivable tracking: record money owed to you or by you, link debts to transactions, partial payment support
Interactive charts and graphs
Home screen widget (Android): displays a selected wallet’s balance and recent transactions with quick add (income/expense) buttons; available to all users
Tabbed settings: general, charts, notifications, advanced, backup/sync, database security
Data export/import with advanced backup options
First-time setup wizard
Multi-language support
Navigation options (drawer or bottom bar)
Fixed dark theme (no user toggle)

2.2 Technical Specifications

Local Operation: All processing happens on your device
Local Storage: SQLite local database (database-level encryption is optional and must be enabled by the user in Settings → Database Security)
No Cloud Sync: No automatic backup or sync
Platforms: Android and iOS
Network Usage: Minimal (ads + daily exchange rate updates once per day + subscription checks + anonymous app analytics only when analytics consent is granted)

DISCLAIMER: Features are not guaranteed to work perfectly and may be changed, limited, or removed without notice.

3. User Eligibility

You must be at least 13 years old
You must have legal capacity to enter binding agreements
You agree to use the App for lawful purposes only
The App is for personal use only – not for business, professional accounting, or commercial purposes

3.1 No User Accounts

No registration or user accounts required
No email verification or authentication
All data remains local on your device

3.2 User Responsibilities

YOU ARE SOLELY RESPONSIBLE FOR:

All data you enter into the App
Accuracy and correctness of your financial data
Backing up your data regularly
Security of your device and data
Compliance with applicable laws
Any consequences of using the App

WE HAVE NO ACCESS TO YOUR DATA and cannot recover, modify, or backup your data under any circumstances.

4. User Tiers, Free Version, and Premium Subscription

The App operates on a two-tier system based on subscription status:

4.1 Tier Overview

Feature	Premium	Free
Accounts	Unlimited	1
Wallets per account	Unlimited	1
Transaction display	Unlimited	20 per type
Recurring transactions	Unlimited	5
Goals (per type)	Unlimited	3
Custom categories (per type)	Unlimited	3
Scheduled notifications	Unlimited	3
Preferred currencies	Unlimited	Unlimited
Home screen widget	Available + customization (colors, font, up to 10 transaction rows)	Available (default style, up to 3 transaction rows)
Advertisements	None	Banner + Interstitial + App Open (personalized or non-personalized based on consent)

Free: No active subscription. Ads are shown; whether they are personalized or non-personalized is determined by your choice in the GDPR/UMP consent dialog and managed automatically by Google UMP.

IMPORTANT: These limits may change at any time without notice. We do not guarantee that free features will remain available or unchanged.

4.2 Premium Subscription

Premium subscription provides:

Unlimited accounts, wallets, goals, recurring transactions, categories, and notifications
Unlimited transaction history display
Complete removal of all advertisements
Enhanced pagination controls (page size selector)
Home screen widget customization (background color/opacity, text color, font size, income/expense colors, and transaction row count); the widget itself is available to all users with default styling
Other features as available

Subscription Terms:

Payment processed through App Store (iOS) or Google Play (Android)
Pricing and terms set by respective app stores
Auto-renewal unless cancelled
Cancellation through app store account settings
No refunds except as required by applicable law or app store policies
We do not control or process payment information

Pricing Information:

Monthly subscription: $4.99/month (auto-renewal)
Yearly subscription: $49.99/year (auto-renewal with savings)
Subscription management through respective app store account settings

IMPORTANT DISCLAIMERS:

Premium features may change without notice
We may modify, limit, or remove premium features at any time
Premium status verification is handled through RevenueCat (a third-party service), which relies on the respective app store — neither service is under our direct control
Temporary unavailability of premium features may occur
We do not guarantee premium features will work without interruption (See Section 21 for explanation)

4.3 Grace Period

Premium status may continue for a limited time during offline periods (currently up to 7 days), but this is not guaranteed and may be modified or removed at any time.

5. Account and Wallet Management

5.1 Account Management

The App allows you to create multiple accounts to organize your financial data. Accounts serve as containers for wallets and can include:

Custom names and descriptions
Optional password protection
Default account designation

Account Security:

Accounts may be protected with passwords
Forgotten passwords cannot be recovered
Auto-lock occurs after periods of inactivity

Free Version Limits: Currently limited to 1 account
Premium Version: Unlimited accounts

5.2 Wallet Management

Within each account, you can create wallets to track transactions in different currencies. Wallets include:

Currency-specific balance tracking
Transaction history storage
Balance calculations and summaries

Free Version Limits: Currently limited to 1 wallet per account
Premium Version: Unlimited wallets per account

IMPORTANT DISCLAIMERS:

Wallet balances are calculated from stored transactions
Currency conversions may not be perfectly accurate
Balance discrepancies may occur due to various factors

5.3 Category Management

The App allows you to create custom categories for organizing your transactions. Categories can include:

Custom names and descriptions
Color coding for visual organization
Icon selection for quick identification
Favorite status for quick access

Category Features:

Categories are wallet-specific (separate for each wallet)
Free version: Limited to 3 custom categories per type
Premium version: Unlimited custom categories per wallet

Security and Storage:

Category data is stored in plain text within the local SQLite database; it is protected only if the user has enabled optional database-level encryption in Settings → Database Security
Categories persist across app sessions

5.4 Notification System

The App provides a comprehensive notification system for transaction reminders and goals. The system includes:

Notification Types:

General notifications for app events
Recurring transaction reminders
Goal achievement notifications

Dual Reminder System:

Reminder 1: Configurable days and hours before due date (default: 1 day at 9 AM)
Reminder 2: Additional reminder with separate timing (default: 1 day at 7 PM)
Each reminder can be enabled/disabled independently

Settings and Controls:

Global notification toggle
Separate controls for recurring vs goal notifications
Fixed reminder timing
Fixed vibration and sound settings (not user-customizable)

Technical Features:

Notifications persist across app restarts
Local notification scheduling
Network connectivity may affect notification features

Free Version Limits: Limited to 3 scheduled notifications
Premium Version: Unlimited scheduled notifications

5.5 Recurring Transactions

The App provides advanced recurring transaction scheduling with automatic transaction generation:

Frequency Options:

Daily: Transactions repeat every day
Weekly: Transactions repeat every week
Monthly: Transactions repeat monthly (handles different month lengths)
Yearly: Transactions repeat annually (handles leap years)

Advanced Features:

Start and end dates for recurring periods
Repeat count limits (optional unlimited repeats)
Automatic transaction generation
Background processing when app is closed
Wallet-specific recurring transactions
Tab-based interface: Separate tabs for Income and Expense recurring transactions
Wallet selection: Dropdown to select which wallet’s recurring transactions to view
Active filtering: Toggle to show only active recurring transactions
Search functionality: Search recurring transactions by description, category, amount, and frequency
Pagination: Page navigation with customizable page sizes for large recurring transaction lists
Transaction management: Pause/resume recurring transactions, delete future transactions only or all transactions, view transaction history

Automatic Processing:

Transactions are generated automatically on due dates
Background processing continues when app is not running
Date calculations may vary due to calendar complexities

Notification Integration:

Individual notifications scheduled for each recurring transaction
Dual reminder system (Reminder 1 and Reminder 2)
Configurable reminder timing before due dates

Free Version Limits:

Limited to 5 recurring transactions
Basic pagination without page size selector

Premium Version:

Unlimited recurring transactions
Enhanced pagination controls with page size selector
Advanced search and filtering capabilities

Safety and Reliability:

Duplicate transaction prevention
Thread-safe processing
Recovery from date jumps or system issues

5.6 Goal Tracking System

The App provides advanced financial goal tracking with different types and progress monitoring:

Goal Types:

Income Goals: Track progress toward reaching target amounts (e.g., save $5000)
Expense Goals: Track staying under budget limits (e.g., spend less than $2000 on dining)

Goal Features:

Category-specific tracking: Link goals to transaction categories for automatic progress updates
Date range management: Set start dates and target completion dates
Progress calculation: Real-time percentage completion and remaining amounts
Status tracking: Active, completed, overdue, successful, or failed states
Estimated completion dates based on current progress trends
Tab-based interface: Separate tabs for Income, Expense, and Completed goals
Search functionality: Search goals by title, description, category, and amounts
Pagination: Page navigation with customizable page sizes for large goal lists
Goal management: Add money contributions, edit goals, delete goals, and view detailed goal information

Success Criteria:

Income goals: Successful when target amount is reached before deadline
Expense goals: Successful when spending stays under target amount until deadline

Progress Monitoring:

Color-coded status indicators (green for success, red for failure, orange for overdue)
Visual progress bars and percentage displays
Automatic updates from transaction data

Free Version Limits:

Limited to 3 income goals
Limited to 3 expense goals
Limited to 3 completed goals display
Basic pagination without page size selector

Premium Version:

Unlimited financial goals
Enhanced pagination controls with page size selector
Advanced search and filtering capabilities

Important Disclaimers:

Goal progress depends on accurate transaction categorization
Estimated completion dates are projections and not guaranteed
Goal tracking is for personal motivation only

5.7 Charts and Graphics

The App provides interactive charts and graphs for visualizing financial data and trends:

Chart Types:

Pie Charts: Expense/income breakdown by category with percentage displays
Bar Charts: Transaction amounts by category or time period
Line Charts: Financial trends over time periods

Visualization Features:

Time-based filtering: Daily, weekly, monthly, yearly, and custom date ranges
Category-specific colors and legends
Interactive date navigation and period selection
Responsive design for different screen sizes
Real-time updates from transaction data

Data Display:

Current period balance display in chart center
Category percentages and amounts
Income and expense separation
Currency-aware displays with automatic conversions

Technical Features:

Real-time chart updates as transactions are added
Color-coded categories for easy identification
Percentage calculations and visual indicators
Date range navigation with period chips

Chart Data:

Based on actual transaction data from selected wallets
Automatic category grouping and totaling
Currency conversion for multi-currency displays

Free Version: All chart types available with current limitations
Premium Version: All chart types available with current limitations

Usage Notes:

Charts reflect transaction data accuracy
Visual representations are for personal reference only
Chart calculations depend on proper transaction categorization

6. Data Storage and Security

6.1 Local Data Storage

All data stored locally on your device using SQLite (SQLCipher). Database-level encryption is optional and must be enabled by the user in Settings → Database Security.
We have no access to your financial data under any circumstances
We cannot recover lost or corrupted data
No cloud storage or external server storage
All data processing occurs on-device only

6.2 Encryption and Security Implementation

The App implements multiple layers of security to protect your financial data:

Layer 1: Database-Level Encryption (SQLCipher) — Optional

Technology: SQLCipher with AES-256 encryption
Status: Disabled by default. Must be enabled by the user in Settings → Database Security.
When enabled: User sets a password; SQLCipher derives the encryption key internally using PBKDF2. The password is stored in the device’s hardware-backed secure storage (iOS Keychain / Android Keystore).
When disabled: The database file is stored locally without encryption.
Recovery: If the password is lost, the encrypted database cannot be accessed. There is no recovery mechanism.

Layer 2: Account-Level Password Protection

Optional Feature: Individual accounts can be password-protected
Hashing: PBKDF2-SHA512 with a random salt (100,000 iterations); only the resulting hash is stored
Storage: The password hash is stored in the local SQLite database; it is not stored in plain text and cannot be reversed to recover the original password
Access Control: Auto-lock after inactivity periods
Recovery: No password recovery possible (security by design)

Layer 3: Secure Storage for Sensitive Data

Technology: FlutterSecureStorage with hardware-backed encryption
Android: EncryptedSharedPreferences with RSA key cipher and AES storage cipher
iOS: Keychain accessibility set to first unlock
Data Types: Database passwords, premium status, integrity hashes
Migration Safety: Automatic migration disabled to prevent data loss

Additional Security Features

Data Integrity Verification: SHA-256 hashes for critical data validation
Backup Encryption: Multi-factor encryption keys for backup files
Network Security: HTTPS-only for optional currency rate updates
Firebase Security: Remote config with integrity validation and MITM protection
Audit Logging: Encrypted security event logging for monitoring

6.3 Security Guarantees and Limitations

WE IMPLEMENT INDUSTRY-STANDARD SECURITY MEASURES, BUT:

WE MAKE NO GUARANTEES about: (See Section 21 for explanation)

Absolute prevention of unauthorized access (no system is 100% secure)
Protection against physical device theft or compromise
Effectiveness against advanced persistent threats
Compatibility with all device security configurations
Prevention of data loss due to device failure or user error

SECURITY IS NOT ABSOLUTE – While we implement robust security measures, no mobile application can guarantee complete protection against all possible attack vectors.

6.4 Data Recovery and Backup

Automatic Backup System

Location: Encrypted backup stored in SharedPreferences
Purpose: Recovery from transient decryption failures
Encryption: Multi-factor keys derived from device hardware
Retention: Automatic cleanup after successful recovery

User-Initiated Backup

Feature: Export/import encrypted database passwords
Purpose: Cross-device migration or additional security
Encryption: User password + device-specific encryption
Storage: User responsibility for secure storage

Recovery Limitations

No Cloud Recovery: We cannot access or recover your data
Factory Reset Impact: May require password re-entry (device ID changes)
App Reinstallation: May require backup restoration
Version Compatibility: Backups may not work across major version changes

CRITICAL WARNING: Despite robust security measures, data loss can still occur due to:

Device physical damage or loss
Operating system failures
User error or accidental deletion
Security breaches beyond our control
Incompatible app updates

6.5 Device Security Requirements

YOU ARE SOLELY RESPONSIBLE for:

Device physical security and access control
Operating system updates and security patches
Anti-malware protection and safe browsing habits
Regular data backups to external storage
Secure password management and account recovery
Protection against unauthorized device access

MINIMUM SECURITY REQUIREMENTS:

Use device lock screen (PIN/pattern/fingerprint/face)
Keep operating system updated
Install security updates promptly
Use reputable antivirus software if available
Avoid jailbreaking/rooting your device
Be cautious with app permissions and third-party installations

7. Backup and Data Export

7.1 Backup Functionality

The App may provide local backup/export features, but WE DO NOT GUARANTEE: (See Section 21 for explanation)

Backup reliability or integrity
Compatibility between app versions
Successful restoration of backup data
Prevention of data loss during backup/restore
Password recovery if forgotten
Backup file accessibility

CRITICAL WARNING: Backups may fail, become corrupted, or be incompatible with future app versions. You use backup features entirely at your own risk.

7.2 No Cloud Backup

No automatic cloud backup
No external server backup
All backup files stored locally on your device
We cannot recover or repair backup files

8. Advertisement System

8.1 Advertisements in Free Version

Free version users may see advertisements via Google AdMob. Users who decline ad personalization consent see non-personalized ads; feature limits are the same regardless of consent choice (see Section 4.1):

Banner advertisements
Interstitial (full-screen) advertisements
App open advertisements

IMPORTANT:

Ads are shown to free users: personalized if consent is accepted, non-personalized if consent is rejected (EU/EEA: GDPR/UMP; other regions: as applicable)
Ad display requires internet connectivity
Ad content controlled by third-party ad provider
We have no control over ad content or targeting
Ads may not display if network unavailable
Ad display frequency may vary

8.2 Third-Party Ad Services

Ad services governed by third-party privacy policies
We do not receive ad-related user data
We are not responsible for ad service performance or availability

8.3 Ad Configuration and Anti-Fraud

To keep advertising secure and comply with Google AdMob policies, the free version retrieves its advertising configuration from a backend service (Cloudflare Workers) after a device-integrity check (Google Play Integrity on Android). This Section applies only to free Android users who see ads; premium subscribers and iOS users are not affected.

Device verification: Advertising unit identifiers are delivered only to genuine, untampered devices that pass Google Play Integrity. On devices that cannot be verified (e.g., tampered or emulated), no advertising identifiers are delivered and ads are not shown. A Google Play Integrity token and your IP address (used only for rate-limiting) are processed for this purpose; see the Privacy Policy (Section 3.7) for details. No personal, financial, or app content is processed.
Your responsibility: You agree not to click on advertisements unless you intend to, and not to use automated means or scripts to interact with ads. Invalid or fraudulent ad activity violates Google AdMob policies and may jeopardize the App’s ability to serve ads.
Changes: Detection and configuration parameters may be adjusted (including remotely) to address fraud and abuse. We are not liable for ad availability affected by these measures.

9. Multi-Currency System

9.1 Multi-Currency Support

The App provides comprehensive multi-currency support for international financial tracking:

Supported Currencies:

50+ major world currencies (USD, EUR, TRY, GBP, JPY, etc.)
Custom currency addition capability
Daily exchange rate updates via secure remote services

Exchange Rate Management:

Automatic rate updates from Firebase Remote Config (daily updates)
Manual rate overrides for custom exchange rates
Priority system: Manual rates > Remote rates > Custom rates > Default rates
Rate timestamp tracking for freshness validation
Offline capability with cached rates

Currency Conversion Features:

Automatic conversion in all calculations and displays
Wallet-specific currency settings
Transaction recording in original currency with conversion to wallet currency
Balance calculations with accurate currency conversions

Security and Reliability:

Encrypted storage of custom exchange rates
Rate validation and tolerance checks
Secure Firebase integration for rate updates
Fallback to cached rates during connectivity issues

Rate Accuracy:

Daily updates ensure current market rates
Manual override capability for specific rate preferences
Rates are for informational purposes only

9.2 Currency Usage Guidelines

Important Limitations:

Exchange rates are provided for convenience and may not reflect real-time market conditions
Currency conversions are mathematical calculations and may not account for fees or spreads
NEVER RELY on App exchange rates for actual financial transactions
Always verify rates through official financial sources before making decisions

Technical Notes:

Rate updates require internet connectivity
Manual rates override automatic updates
Currency conversion affects all balance calculations and chart displays
Rate changes may affect historical transaction displays

10. Exchange Tracking Feature

10.1 Exchange Tracking Overview

The App provides an Exchange Tracking feature that allows users to monitor and track currency exchange amounts over time. This feature enables users to create trackers for specific currency pairs and record monetary additions with historical exchange rates.

Key Features:

Create exchange trackers for specific currency pairs (e.g., USD to EUR, TRY to USD)
Record monetary additions to trackers with exchange rates at the time of addition
View transaction history and tracker progress
Custom ordering and sorting of trackers
Account and wallet-specific tracker organization
Search and pagination for managing multiple trackers

Tracker Components:

Currency Pair: Source currency (from) and target currency (to)
Amount Tracking: Cumulative amount in the source currency
Exchange Rate History: Exchange rates recorded at the time of each addition
Transaction History: Complete record of all additions with timestamps
Organization: Trackers can be organized by account and wallet

10.2 Exchange Tracking Functionality

Creating Trackers:

Users can create trackers for any supported currency pair
Initial exchange rate is recorded when the tracker is created
Trackers are associated with specific accounts and wallets for organization

Adding Money:

Users can add monetary amounts to existing trackers
Current exchange rate is automatically captured and stored
Each addition creates a transaction record with timestamp and rate

Transaction History:

Complete history of all additions to each tracker
Exchange rates at the time of each transaction
Chronological ordering of all tracker activities

Management Features:

Edit tracker details (currency pairs, amounts)
Delete trackers and associated transaction history
Custom sorting and ordering of trackers
Search functionality by currency codes
Pagination for managing large numbers of trackers

10.3 Exchange Tracking Limitations and Disclaimers

WE MAKE NO GUARANTEES about the Exchange Tracking feature:

Data Accuracy:

Exchange rates are captured at the time of addition but may not reflect real-time market conditions
Historical exchange rate data depends on availability and accuracy of rate sources
Currency tracker calculations are for personal tracking purposes only

Technical Limitations:

Tracker data is stored locally and may be lost if device data is corrupted
No automatic synchronization between devices
Transaction history may be affected by app updates or data migrations
Search and sorting performance may vary with large numbers of trackers

Usage Restrictions:

Currency trackers are for personal tracking and monitoring only
Not intended for professional currency trading, investment analysis, or financial decision-making
Users should not rely on tracker data for actual financial transactions

Data Management:

Tracker deletion permanently removes all associated transaction history
No recovery possible for deleted trackers or transactions
Backup and export features may not include currency tracker data in all cases

Performance Considerations:

Large numbers of trackers or extensive transaction histories may impact app performance
Background processing for tracker updates is not guaranteed
Feature availability may be limited on older devices or OS versions

IMPORTANT: Exchange tracking data is stored locally on your device. We have no access to your tracker information and cannot recover lost or corrupted tracker data under any circumstances.

11. Prohibited Uses

You agree NOT to:

Use the App for illegal activities
Use the App for business or commercial purposes
Use the App for professional accounting or tax preparation
Rely on the App for legal or regulatory compliance
Reverse engineer, modify, or create derivative works
Remove copyright notices or security features
Use automated tools or scripts with the App
Circumvent any limitations or security measures
Distribute or resell the App

DISCLAIMER: The App is not intended, designed, or suitable for:

Business accounting or bookkeeping
Tax preparation or filing
Legal or regulatory compliance
Professional financial management
Official financial record-keeping
Investment tracking or analysis

12. Disclaimers and Limitations of Warranties

12.1 No Financial Advice

WE DO NOT PROVIDE:

Financial advice or guidance
Investment recommendations
Tax advice or preparation services
Professional financial planning
Budget recommendations or strategies
Analysis of financial decisions

The App is a personal data tracking tool only. Always consult qualified professionals for financial decisions.

12.2 “AS IS” and “AS AVAILABLE”

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND. (See Section 21 for explanation)

We explicitly disclaim all warranties, including but not limited to:

Merchantability or fitness for a particular purpose
Non-infringement of third-party rights
Uninterrupted or error-free operation
Accuracy or reliability of data or calculations
Security or protection against unauthorized access
Compatibility with all devices or OS versions
Availability of features or functionality
Data preservation or backup reliability

12.3 Data Loss and Corruption

WE ARE NOT RESPONSIBLE FOR:

Loss of data for any reason
Corruption of data or backup files
Inability to restore data
Errors in calculations or data processing
Device failures or malfunctions
Software bugs or errors

12.4 Third-Party Services

WE ARE NOT RESPONSIBLE FOR:

App store payment processing issues
Advertisement service availability or content
Network connectivity problems
Third-party service interruptions
Changes in third-party service terms

12.5 Performance and Availability

WE DO NOT GUARANTEE: (See Section 21 for explanation)

App performance on any device
Compatibility with all devices or OS versions
Response times or speed
Absence of bugs or errors
Availability of support
Resolution of technical issues

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE SHALL NOT BE LIABLE for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Loss of data or financial information
Financial losses of any kind
Lost profits or business opportunities
Device damage or malfunction
Time or productivity losses

OUR TOTAL LIABILITY for any claim shall not exceed the amount you paid for the App in the past 12 months (maximum $50 USD, or $0 if using free version).
THESE LIMITATIONS APPLY even if we have been advised of the possibility of such damages.
SOME JURISDICTIONS do not allow certain liability limitations, so these may not apply to you in full.

14. Intellectual Property

14.1 Ownership

All rights, title, and interest in the App, including all code, design, features, and branding, belong exclusively to us. You receive only a limited license to use the App.

14.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal purposes only, subject to these Terms.

14.3 Restrictions

You may not:

Copy, modify, or create derivative works
Reverse engineer or decompile
Remove proprietary notices
Transfer or sublicense your rights
Use for commercial purposes

14.4 Modifications and Termination

WE RESERVE THE RIGHT TO:

Modify or remove any features at any time
Discontinue the App entirely without notice
Change these Terms without prior individual notice
Terminate your access for any reason

15. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including legal fees) arising from:

Your use or misuse of the App
Your violation of these Terms
Your violation of applicable laws
Your infringement of third-party rights
Any fraudulent or illegal activities
Willful misconduct or intentional violations

This does not apply to normal personal use in compliance with these Terms.

16. Termination

16.1 Termination by You

You may stop using the App at any time by uninstalling it and deleting all associated data.

16.2 Termination by Us

We may terminate or suspend your access at any time for:

Violation of these Terms
Fraudulent or illegal use
Security concerns
Any reason or no reason

16.3 Effect of Termination

Upon termination:

Your license to use the App ends immediately
All data remains on your device (we have no access to delete it)
Sections that by nature survive termination will continue to apply
You must uninstall the App and cease all use

17. Governing Law and Disputes

17.1 Governing Law

These Terms are governed by the laws of Turkey, without regard to conflict of law principles.

Notwithstanding the above, for users located in the European Economic Area (EEA) or United Kingdom, the applicable EU/UK data protection laws — including the General Data Protection Regulation (GDPR) and the UK GDPR — apply in addition to Turkish law. To the extent of any conflict between Turkish law and GDPR/UK GDPR, the applicable EU/UK data protection legislation shall prevail with respect to the processing of personal data of EEA/UK residents.

17.2 Dispute Resolution

You must first contact us at chnbzkrthelp@gmail.com for informal resolution
Unresolved disputes subject to exclusive jurisdiction of Turkish courts
All disputes conducted in Turkish language
No class actions or representative proceedings

18. Changes to Terms

18.1 Right to Modify

WE MAY MODIFY THESE TERMS AT ANY TIME without prior individual notice.

18.2 Notification

Changes will be posted within the App and the “Last Updated” date revised.

18.3 Acceptance

Continued use after changes constitutes acceptance. If you do not agree, you must stop using the App.

19. General Provisions

19.1 Severability

If any provision is found unenforceable, remaining provisions continue in full force.

19.2 Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement regarding your use of the App.

19.3 No Waiver

Our failure to enforce any provision does not constitute a waiver.

19.4 Assignment

You may not assign your rights. We may assign your rights to any successor entity.

19.5 Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including:

Natural disasters
Network or telecommunications failures
Third-party service outages
Government actions or regulations

20. Contact Information

For questions or concerns about these Terms:

Budget Tracker Support

Email: chnbzkrthelp@gmail.com
Response time: We aim to respond within 30 business days (not guaranteed)

SUPPORT LIMITATIONS:

We provide limited support for App functionality issues only
We cannot provide financial, legal, or tax advice
We cannot recover or access your local data
We cannot guarantee resolution of technical issues

21. Our Privacy-First Approach: Why We Offer No Warranties (Explanation)

This application is designed to be completely local and offline. Our primary goal is to ensure that your financial data (income, expenses, balances, goals, etc.) never leaves your device and remains entirely under your control.

This is why:

Crash diagnostics are collected via Firebase Crashlytics (Google) only when you grant the optional analytics consent (off by default). Crash reports include stack traces and device state (model, OS/app version, memory state) but no financial data or content you enter. See the Privacy Policy (Section 3.8).
Aside from this opt-in crash reporting and opt-in anonymous analytics, we do not collect performance data, error logs, or crash logs from your device.
Firebase Analytics is only used when the user has granted separate, optional analytics consent (requested at first launch as a standalone permission — independent of ad consent). If consent is not granted — which is the default — Firebase Analytics is fully disabled and no analytics data is collected. When consent is granted, only anonymous, aggregated usage data is collected (screen views, feature usage events, ad impression counts). This data does not include any financial data you enter into the app and cannot be linked to you personally.
Exchange rate updates occur once per day automatically via Firebase Remote Config (fetching only the necessary public exchange rate data — no personal information is involved or transmitted).

This design choice is made deliberately to protect your privacy at the highest possible level. However, it also means the following:

We have no ability to remotely monitor how the app performs, debug issues, or automatically fix problems.
The app’s behavior depends entirely on your device’s hardware, operating system version, update status, and how you use it.
As mentioned in the introduction, extensive testing was done, but real-world variability means we cannot offer guarantees on performance, accuracy, uptime, or data preservation.

Therefore, we cannot provide any guarantees regarding:

Performance
Accuracy
Uninterrupted operation
Prevention of data loss
Any feature working exactly as expected

This “no-warranties” approach is actually a privacy-first decision: An application that limits server connections to only what is strictly necessary — a daily exchange rate fetch via Firebase Remote Config, optional anonymous usage analytics via Firebase Analytics and optional crash diagnostics via Firebase Crashlytics (only when analytics consent is granted), advertising configuration via Cloudflare Workers (free Android users), and purchase verification via RevenueCat — simply cannot promise that “everything will always work perfectly.” Your financial data never leaves your device.

Our only request from you is:

Please regularly back up your data (using the export feature).
Keep your device secure and up to date with the latest operating system patches.

In this way, you get genuine privacy, and we can remain completely honest and transparent with you.

22. Language Translations and AI-Generated Content

22.1 AI-Generated Translations

IMPORTANT NOTICE REGARDING LANGUAGE TRANSLATIONS:

All language translations in this Terms of Service document, as well as in the app’s user interface, are generated using artificial intelligence (AI) translation tools. While we strive for accuracy, AI translations may contain errors, inaccuracies, or inappropriate expressions.

WE MAKE NO GUARANTEES about the accuracy, completeness, or reliability of any AI-generated translations. This includes but is not limited to:

Grammatical errors or incorrect word usage
Contextual inaccuracies or misinterpretations
Cultural or regional language variations
Technical terminology translations
Legal terminology accuracy

22.2 No Responsibility for Translation Errors

WE EXPRESSLY DISCLAIM ALL LIABILITY for any damages, losses, misunderstandings, or consequences arising from:

Incorrect or misleading translations
Misinterpretation of legal terms due to translation errors
Communication barriers caused by translation inaccuracies
Any actions taken based on potentially incorrect translations

Translation Accuracy Disclaimer: Users are strongly advised to consult the original English version of this Terms of Service for the most accurate and legally binding information. The English version shall prevail in case of any discrepancies or disputes arising from translation differences.

Recommendation: If you are not fluent in English, we recommend consulting with a qualified legal professional who can review the English version of these terms in your native language.

23. Feature-Specific Disclaimers and Limitations

WE MAKE NO GUARANTEES about the performance, accuracy, reliability, or availability of any specific features or functionalities within the App. This includes but is not limited to:

Account and Security Features

Password security, recovery, or protection mechanisms
Account data integrity or accessibility
Auto-lock functionality or timing

Financial Calculations and Data

Balance accuracy or calculation methods
Currency conversion rates or precision
Transaction data integrity or completeness
Financial goal progress calculations or projections
Chart accuracy, data representation, or visual displays

Automated Features

Notification delivery, timing, or reliability
Recurring transaction generation, timing, or processing
Background task execution or scheduling
Automatic data synchronization or updates

Data Management

Category data recovery, security, or persistence
Backup functionality, reliability, or compatibility
Data export/import processes or integrity
Database operations or performance

System Integration

Third-party service integrations (payment processors, ad networks, etc.)
Network-dependent features or connectivity requirements
Device compatibility or performance across different hardware
Operating system version compatibility or support

All features are provided on an “AS IS” basis with no implied warranties of functionality, performance, or reliability. Feature behavior may vary based on device specifications, operating system versions, network conditions, and usage patterns. You use all features entirely at your own risk.

BY USING BUDGET TRACKER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

Budget Tracker – Personal Budget Tracking Tool