Terms of Service

1 Acceptance of Terms

By creating an account, accessing our website, or using our services, you agree to:

• Comply with these Terms of Service
• Comply with all applicable laws and regulations
• Be at least 18 years of age
• Provide accurate and complete information when creating your account

2 Description of Service

Budget Hub is a personal finance management platform that helps South Africans:

• Track income and expenses
• Create and manage budgets
• Set and monitor financial goals
• Generate financial reports
• Receive personalized financial insights

We reserve the right to modify, suspend, or discontinue any part of our services at any time with or without notice.

3 User Accounts

When you create an account with Budget Hub, you agree to:

• Maintain the security of your password and account
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities under your account
• Provide accurate, current, and complete information
• Not share your account credentials with others

We reserve the right to terminate accounts that violate these Terms or are inactive for extended periods.

4 Subscription and Payment

Free Plan: Budget Hub offers a free plan with core budgeting features at no cost.

Premium Plan: Our premium plan costs R49/month and includes:

• Advanced analytics and insights
• Unlimited budget categories
• Priority customer support
• PDF export functionality
• Bank comparison tools

Beta Users: Users who join during our open beta period receive lifetime free access to all premium features.

Payment Terms:

• Premium subscriptions are billed monthly
• Payments are non-refundable except as required by law
• You may cancel your subscription at any time
• Cancellations take effect at the end of the current billing period

5 Acceptable Use

You agree not to use Budget Hub to:

• Violate any laws or regulations
• Infringe on the rights of others
• Upload malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use automated systems to access our platform without permission
• Resell or redistribute our services

6 Intellectual Property

Budget Hub and all its content, features, and functionality are owned by Budget Hub and are protected by international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Reverse engineer or decompile our software
• Remove any copyright or proprietary notices
• Use our trademarks without written permission

7 Your Data and Privacy

Your use of Budget Hub is also governed by our Privacy Policy. Key points:

• You retain ownership of your financial data
• You can export your data at any time
• You can delete your account and data at any time
• We never sell your personal information or financial data
• Your data is not shared with external AI services

Please review our Privacy Policy for more details.

8 Disclaimers and Limitations of Liability

Service Provided "As Is": Budget Hub is provided on an "as is" and "as available" basis without warranties of any kind.

Not Financial Advice: Budget Hub provides tools and insights for personal finance management but does not provide financial advice. You should consult with qualified financial professionals for personalized advice.

Limitation of Liability: To the maximum extent permitted by law, Budget Hub shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Financial decisions made based on information from our platform
• Service interruptions or errors

9 Indemnification

You agree to indemnify and hold harmless Budget Hub, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of applicable laws or regulations

10 Termination

We may terminate or suspend your account and access to Budget Hub immediately, without prior notice, for:

• Breach of these Terms
• Fraudulent or illegal activity
• Extended periods of inactivity
• Any other reason at our sole discretion

Upon termination, your right to use Budget Hub will cease immediately. You may delete your account at any time through your account settings.

11 Governing Law

These Terms shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of Budget Hub shall be resolved in the courts of South Africa.

12 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on our website
• Sending an email notification to registered users
• Displaying a notice in your account dashboard

Your continued use of Budget Hub after changes become effective constitutes your acceptance of the revised Terms.

13 Contact Information

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

• Email: [email protected]
• Address: Budget Hub, South Africa