Last updated: April 2026
1. Acceptance of Terms By downloading, installing, or using Budgets (“the App”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use the App.
2. Nature of the App Budgets is a personal organisation tool designed solely to help users record and track self-entered data. The App performs no analysis, makes no recommendations, and provides no guidance of any kind. All figures displayed in the App are derived exclusively from data entered by the user. The App is not a financial product, financial service, or advisory service of any kind.
3. No Financial Advice Nothing in the App, its outputs, or any associated materials constitutes financial, investment, taxation, accounting, or legal advice. The App does not assess your financial situation, objectives, or needs. You should not make any financial decision based on information displayed in the App without obtaining independent professional advice. Use of the App does not create any advisory, fiduciary, or professional relationship between you and the developer.
4. Accuracy of Data All data displayed in the App is entered solely by you. The developer makes no representation as to the accuracy, completeness, or suitability of any information displayed. The App is a recording tool only.
5. In-App Purchases The App is free to download. An optional one-time in-app purchase is available to unlock additional features. All purchases are processed solely by Apple Inc. and are subject to Apple’s Terms of Sale. The developer does not process, store, or have access to any payment information. Refunds are subject to Apple’s refund policy and applicable consumer law in your jurisdiction.
6. Your Data and Privacy All data you enter is stored locally on your device. If you enable iCloud, your data is synced via your personal iCloud account governed by Apple’s iCloud Terms and Privacy Policy. The developer does not collect, store, access, or transmit your personal or financial data at any time.
7. Disclaimer of Warranties To the maximum extent permitted by applicable law, the App is provided “as is” and “as available” without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. The developer does not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components.
8. Limitation of Liability To the maximum extent permitted by applicable law, the developer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, profits, or goodwill, arising from your use of or inability to use the App, even if advised of the possibility of such damages. Nothing in these Terms limits any rights you may have under applicable consumer protection law that cannot be excluded by agreement, including under the Australian Consumer Law, the UK Consumer Rights Act 2015, or equivalent legislation in your jurisdiction.
9. Consumer Rights Nothing in these Terms is intended to exclude, restrict, or modify any rights you may have under applicable consumer protection legislation that cannot lawfully be excluded. Where statutory guarantees apply, the developer’s liability is limited to the extent permitted by law.
10. Changes to the App and Terms The developer reserves the right to modify or discontinue the App at any time. These Terms may be updated periodically. Continued use of the App following any update constitutes acceptance of the revised Terms. The date of the most recent update is noted at the top of this page.
11. Governing Law These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of New South Wales for any disputes arising under these Terms.
12. Contact For questions regarding these Terms, contact michael@michaelvdk.com