Terms and Conditions

Last updated: January 15, 2025

Welcome to Together Budget ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our financial management and budgeting services, including our website, mobile application, and related services (collectively, the "Service").

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

Together Budget is a comprehensive financial management platform that provides:

• Budget Management: Create and manage budgets, track spending, and monitor financial goals
• Transaction Tracking: Record and categorize income and expenses
• Account Management: Manage multiple financial accounts and balances
• Family Sharing: Collaborate with family members on shared financial goals
• SMS Integration: Automatically parse bank SMS notifications for transaction entry
• Goal Setting: Set and track financial goals and savings targets
• Reporting and Analytics: Generate financial reports and insights
• Subscription Management: Track recurring payments and subscriptions
• Receipt Management: Upload and store receipt images for transactions
• Multi-Platform Access: Web interface and mobile applications

3. User Accounts and Registration

3.1 Account Creation

• You must provide accurate, current, and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account
• You are responsible for all activities that occur under your account

3.2 Authentication Methods

• Email Authentication: Traditional email and password authentication
• Google OAuth: Secure authentication through Google services
• Multi-Factor Authentication: Enhanced security options (when available)

3.3 Account Requirements

• You must be at least 18 years old to create an account
• One account per person; multiple accounts are not permitted
• You must provide a valid email address for account verification
• Accounts may be suspended or terminated for violations of these Terms

4. User Roles and Permissions

4.1 Family Member Roles

• Family Head: Primary account holder with full administrative rights
• Family Member: Limited access based on family head permissions
• Guest User: Read-only access to shared financial data

4.2 Permission Levels

• View-only access to financial data
• Add/edit transactions and categories
• Manage budgets and goals
• Invite and manage family members
• Access administrative settings

5. Subscription Plans and Billing

5.1 Subscription Tiers

• Free Plan: Basic features with limited functionality
• Monthly Plan: Full access with monthly billing
• Annual Plan: Full access with discounted annual billing

5.2 Billing Terms

• Subscriptions are billed in advance on a recurring basis
• All fees are non-refundable except as required by law
• Prices may change with 30 days' notice to existing subscribers
• Failed payments may result in service suspension
• You can cancel your subscription at any time

5.3 Free Trial

• New users may receive a free trial period
• Free trials automatically convert to paid subscriptions unless cancelled
• Trial terms and duration may vary and are subject to change

6. Acceptable Use Policy

6.1 Permitted Uses

• Personal and family financial management
• Legitimate business expense tracking (for small businesses)
• Educational purposes related to financial literacy

6.2 Prohibited Uses

• Illegal activities or violation of any applicable laws
• Unauthorized access to other users' accounts or data
• Reverse engineering, decompiling, or disassembling the Service
• Attempting to gain unauthorized access to our systems
• Interfering with the proper functioning of the Service
• Using automated systems to access the Service without permission
• Uploading malicious software or harmful content
• Violating intellectual property rights
• Commercial use beyond personal/family financial management

7. Data and Privacy

7.1 Your Data

• You retain ownership of your financial data
• You grant us a license to process your data to provide the Service
• We implement security measures to protect your data
• You can export your data at any time
• Data deletion requests will be processed within 30 days

7.2 Privacy Compliance

• Our Privacy Policy governs data collection and use
• We comply with applicable privacy laws including GDPR and CCPA
• We do not sell your personal information to third parties
• We may share data with service providers under strict agreements

8. SMS and Communication Features

8.1 SMS Processing

• Optional SMS parsing for automatic transaction entry
• SMS content is processed locally on your device when possible
• Bank SMS notifications are parsed using customizable templates
• You can disable SMS features at any time

8.2 Communication Preferences

• You can opt out of marketing communications
• Service-related notifications are essential and cannot be disabled
• Email preferences can be managed in your account settings

9. Intellectual Property Rights

9.1 Our Intellectual Property

• Together Budget and all related trademarks are our property
• The Service, including software, design, and content, is protected by copyright
• You may not copy, modify, or distribute our intellectual property
• We grant you a limited, non-exclusive license to use the Service

9.2 Your Content

• You retain rights to your financial data and content
• You grant us necessary rights to provide the Service
• You represent that your content does not infringe third-party rights

10. Service Availability and Support

10.1 Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Maintenance windows will be announced in advance when possible
• Emergency maintenance may occur without notice
• We are not liable for service interruptions

10.2 Customer Support

• Support is provided through email and in-app messaging
• Response times may vary based on subscription level
• We provide documentation and help resources
• Support is available in English only

11. Disclaimers and Limitations

11.1 Service Disclaimers

• The Service is provided "as is" without warranties of any kind
• We do not provide financial, tax, or investment advice
• You are responsible for verifying the accuracy of your financial data
• We are not liable for financial decisions based on our Service

11.2 Limitation of Liability

• Our liability is limited to the amount you paid for the Service
• We are not liable for indirect, incidental, or consequential damages
• Some jurisdictions may not allow liability limitations

12. Termination

12.1 Termination by You

• You may terminate your account at any time
• Cancellation takes effect at the end of your billing period
• You can export your data before termination
• We will delete your data according to our retention policy

12.2 Termination by Us

• We may suspend or terminate accounts for Terms violations
• We may terminate service with 30 days' notice
• Immediate termination may occur for serious violations
• We will provide notice when possible

13. Updates and Changes

13.1 Terms Updates

• We may update these Terms from time to time
• Material changes will be communicated via email or in-app notification
• Continued use constitutes acceptance of updated Terms
• You can terminate if you disagree with changes

13.2 Service Changes

• We may modify, add, or remove features
• Significant changes will be announced in advance
• We strive to maintain backward compatibility

14. Governing Law and Disputes

14.1 Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.

14.2 Dispute Resolution

• We encourage resolution through direct communication
• Disputes may be subject to binding arbitration
• Class action waivers may apply
• Some jurisdictions may not enforce arbitration clauses

15. Mobile Application Terms

15.1 App Store Compliance

• Mobile apps are subject to app store terms and conditions
• We comply with Google Play Store and Apple App Store policies
• In-app purchases are processed through app stores
• App store terms may supersede these Terms in some cases

15.2 Mobile Permissions

• Camera: For receipt photo capture (optional)
• Storage: For saving app data and images
• SMS: For automatic transaction parsing (optional)
• Internet: For syncing data and app functionality
• Notifications: For app updates and reminders

16. Special Provisions for Different User Types

16.1 Business Users

• Small business use is permitted with appropriate subscription
• Business users must comply with applicable business regulations
• We do not provide business-specific tax or accounting advice

16.2 International Users

• Service may not be available in all countries
• Currency and language support may vary
• Local laws may impose additional requirements

17. Contact Information

For questions about these Terms and Conditions, please contact us:

• Email: legal@togetherbudget.com
• Support: support@togetherbudget.com
• General Inquiries: info@togetherbudget.com

18. Severability

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

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Together Budget regarding the use of our Service.

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These Terms and Conditions are effective as of January 15, 2025, and were last updated on January 15, 2025.