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These terms are an agreement between you and GangliaX Labs LLC, a Wyoming limited liability company ("we", "us"), about your use of the Budget app and its online services. By using Budget you agree to them. If you don't agree, please don't use the app.
The short version
- Budget helps you plan and record your money. It never holds, moves or invests money.
- It isn't financial, investment, tax or legal advice, and its figures and answers can be wrong. Check anything important.
- Budget is free to use. Budget Plus is an optional subscription bought through Google Play or the App Store, and you cancel it there.
- What you enter is yours. Keep your phone and your backup safe: we don't hold a copy of your budget.
What Budget is, and what it isn't
Budget is a planning and record-keeping app. It works out figures such as safe to spend, pace and what you can afford from the information you give it.
- It never moves money. Budget doesn't hold funds, make payments or send transfers. Where it shows a bank or payment option, you complete the payment in your own bank's app or service.
- It isn't advice. Nothing in Budget is financial, investment, tax or legal advice, or a recommendation to buy or sell anything. For decisions that matter, speak to a qualified professional.
- Figures can be wrong. Readings of receipts, statements and bank texts, conversions between currencies, and answers from AI features can contain mistakes. You are responsible for checking what you confirm.
- Ajo and savings groups. Budget keeps a record of a group's members, rounds and payments. It doesn't hold or pay out the group's money and isn't a party to any agreement between members.
Using Budget
- You must be old enough to agree to these terms where you live, and at least 13 / the age required in your country.
- Use Budget only for lawful purposes and only for your own money or money you're allowed to manage.
- Your budget is stored on your phone. If you lose your phone or delete the app without a backup, we can't recover your data. Backups are encrypted with a password only you know; we can't reset it.
- Invite links. Anyone with an invite link to an ajo board or shared budget can see and change it. Share links only with people you mean to, and don't post them publicly. We may remove shared data that is used to break the law or to harm others.
Budget Plus
- Plus is a subscription bought through Google Play or the App Store. The store handles payment, and its terms apply to the purchase.
- The price, billing period and any free trial are shown in the store before you buy. A free trial is offered once per person.
- Subscriptions renew automatically until you cancel. Cancel any time in your Google Play or App Store subscriptions; Plus stays on until the end of the period you paid for.
- Refunds follow the store's refund policy. We can't issue refunds for store purchases ourselves.
- Plus features can depend on your country and device, and we may change them over time. If we remove a major Plus feature, we'll tell you in the app.
- Some Plus features have fair-use limits (for example, a monthly number of cloud reads or AI questions). The app shows them.
Services run by others
Some features rely on other companies, under their own terms and privacy policies: Google Play and the App Store for purchases and updates; your phone's speech service for voice input; Plaid for linking banks in the US and Canada; and Anthropic, through our own service, for AI features. We aren't responsible for their services, but we choose them carefully and describe what they receive in our privacy policy.
Your content and our app
- Your content stays yours. You give us permission to process what you choose to send to our services (such as a shared budget or a document read in the cloud) only to provide the feature you asked for.
- The app is licensed, not sold. We give you a personal, non-transferable licence to use Budget on devices you own or control. Please don't copy, resell or reverse engineer the app, except where the law allows it.
- Feedback you send us can be used to improve Budget, without any obligation to you.
Privacy
Our privacy policy explains what data the app uses, what leaves your phone and why. It is part of these terms.
Changes, suspension and ending
- We may update Budget, change or remove features, or stop offering it. If we stop offering a service you've paid for, you'll keep access until the end of the period you paid for, or receive a refund where the store allows.
- We may suspend use of our online services (such as sync, cloud reading or AI features) that breaks these terms or the law, or that puts other people or our services at risk.
- You can stop using Budget at any time. Deleting the app and your backup removes your data; deleting an ajo board or shared budget you created removes it from our sync service.
Disclaimers
Budget is provided "as is" and "as available". To the extent the law allows, we make no promises that it will be free of errors or always available, or that its figures, readings or answers will be accurate or suitable for your purpose.
Limits on our liability
To the extent the law allows, we aren't liable for indirect or consequential losses, or for decisions you make based on what Budget shows. Our total liability for any claim about Budget is limited to the greater of the amount you paid us for Plus in the 12 months before the claim and USD 50.
Nothing in these terms limits rights you have under consumer protection laws that can't be excluded in your country.
Law and disputes
These terms are governed by the laws of the State of Wyoming, USA, without regard to conflict-of-law rules, except where the law of your country gives you the right to rely on its own consumer protection rules or courts. Before starting any formal dispute, please contact us so we can try to resolve it.
Changes to these terms
We'll update these terms when Budget or the law changes, show the date above, and tell you in the app about changes that matter. If you keep using Budget after a change, the new terms apply.
Contact
GangliaX Labs LLC, 30 N Gould St Ste R, Sheridan, WY 82801, USA. Email: support@gangliaxlabs.com.