Terms of Service

Please read these terms carefully before using Buddy Budget. By using our service, you agree to these terms.

Terms of Service

Last Updated: December 25, 2025 Effective Date: December 25, 2025

Welcome to Buddy Budget. By accessing or using our service, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing and using Buddy Budget ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Description of Service

Buddy Budget is a personal finance management platform that provides tools for:

  • Portfolio and investment tracking with real-time market data
  • Financial data visualization and analytics
  • Budget and expense management tools

3. Open Source License

Buddy Budget is an open-source project distributed under the MIT License. The source code is available on GitHub and may be used, modified, and distributed in accordance with the terms of the MIT License.

4. Financial Disclaimer

IMPORTANT: Buddy Budget is NOT a financial advisor and does NOT provide financial, investment, tax, or legal advice.

  • All predictions, projections, and analyses provided by the Service are for informational and educational purposes only
  • Net worth predictions based on Monte Carlo simulations are probabilistic estimates and should not be relied upon as guaranteed outcomes
  • Past performance does not guarantee future results
  • You should consult with qualified financial, legal, and tax professionals before making any financial decisions
  • The Service does not recommend or endorse any specific investments, securities, or financial strategies

5. Data and Privacy

Your use of Buddy Budget is also governed by our Privacy Policy. By using the Service, you consent to the collection and use of information as described in the Privacy Policy.

5.1 User Responsibility for Data

You are responsible for:

  • Maintaining the accuracy of financial data you input into the Service
  • Keeping your account credentials secure and confidential
  • All activities that occur under your account

5.2 Data Sources

The Service uses third-party data sources, including Yahoo Finance API, to provide market data. We do not guarantee the accuracy, completeness, or timeliness of this data.

6. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

  • Use the Service in any way that violates applicable laws or regulations
  • Attempt to gain unauthorized access to any part of the Service
  • Interfere with or disrupt the Service or servers/networks connected to the Service
  • Use any automated system (bots, scrapers, etc.) to access the Service without permission
  • Upload or transmit viruses, malware, or any harmful code
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity
  • Use the Service for any commercial purpose without authorization

7. Intellectual Property

7.1 Service Content

The Service and its original content (excluding user-generated content and open-source components), features, and functionality are owned by Buddy Budget and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7.2 Open Source Components

Buddy Budget incorporates various open-source software components, each governed by its respective license. A full list of dependencies and their licenses can be found in the project repository.

7.3 User Content

You retain ownership of any financial data, content, or information you submit to the Service. By submitting content, you grant Buddy Budget a limited license to use, store, and process this content solely for the purpose of providing the Service to you.

8. Third-Party Services

The Service integrates with third-party services, including but not limited to:

  • Yahoo Finance API for market data
  • Other financial data providers

These third-party services are governed by their own terms of service and privacy policies. We are not responsible for the content, accuracy, or practices of these third-party services.

9. Service Availability

9.1 No Warranty of Availability

We strive to provide continuous, uninterrupted access to the Service, but we do not guarantee that:

  • The Service will be available at all times without interruption
  • The Service will be error-free or bug-free
  • Any defects will be corrected
  • The Service or servers are free of viruses or harmful components

9.2 Maintenance

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice, for maintenance or any other reason.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

In no event shall Buddy Budget, its creators, contributors, or affiliates be liable for any:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or use
  • Business interruption
  • Financial losses resulting from reliance on predictions or analyses provided by the Service

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

11. Indemnification

You agree to indemnify, defend, and hold harmless Buddy Budget, its creators, contributors, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any financial decisions you make based on information from the Service

12. User Accounts

12.1 Account Creation

You may need to create an account to access certain features of the Service. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information to keep it accurate and current
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account

12.2 Account Termination

We reserve the right to suspend or terminate your account at any time for any reason, including violation of these Terms.

You may terminate your account at any time by contacting us or using account deletion features in the Service.

13. Changes to Terms

We reserve the right to modify or replace these Terms of Service at any time. We will provide notice of significant changes by:

  • Posting a notice on the Service
  • Updating the "Last Updated" date at the top of these Terms
  • Sending an email to your registered email address (if applicable)

Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

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

15. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through:

  1. Good faith negotiation between the parties
  2. If negotiation fails, mediation under the rules of a mutually agreed mediator
  3. If mediation fails, binding arbitration or litigation in the courts of Turin, Italy

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Buddy Budget regarding the Service and supersede any prior agreements.

18. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

19. Contact Information

For questions, concerns, or notices regarding these Terms of Service, please contact us:

Thank you for using Buddy Budget! We're committed to helping you track and grow your net worth with transparency and powerful tools.