Terms of Service for Budget Tracker

# Terms of Service for Budget Tracker

**Last Updated: May 14, 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

– 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 three-tier system based on subscription status and ad consent:

### 4.1 Tier Overview

|—|—|—|—|

| Accounts | Unlimited | 2 | 2 |

| Wallets per account | Unlimited | 2 | 2 |

| Recurring transactions | Unlimited | 5 | 5 |

| Goals (per type) | Unlimited | 3 | 3 |

| Custom categories (per type) | Unlimited | 3 | 3 |

| Scheduled notifications | Unlimited | 3 | 3 |

**Free (Ads Accepted):** User has accepted personalized ad consent via the GDPR/UMP dialog.

**Free (Ads Rejected):** User has rejected ad personalization consent via the GDPR/UMP dialog. Shows non-personalized ads managed 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)

– 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

### 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 2 wallets 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 and are subject to stricter feature limits (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

## 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:**

1. **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

2. **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).

3. **THESE LIMITATIONS APPLY** even if we have been advised of the possibility of such damages.

4. **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:

– No performance data, error reports, or crash logs are ever collected.

– No crash reports, error logs, or device information (model, UUID, IP address, etc.) are sent to our servers.

– **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 (only when analytics consent is granted), 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.**

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**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**