Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you and BudgetClan ("we," "us," or "our") governing your use of the BudgetClan mobile application, website, and all related services (collectively, the "Service").

By registering for, accessing, or using the Service, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

BudgetClan is a family finance management application that enables:

• Parents and partners to manage a shared family wallet, allot funds to children, assign chores, and monitor family financial activity.
• Children to view their balance, complete chores, track savings goals, and communicate via encrypted family chat.
• AI-assisted chore verification through photo submissions processed by the Google Gemini API.
• Subscription-based premium features including ad-free experience and additional AI verifications.

BudgetClan is a budgeting and financial education tool. It does not constitute financial advice, banking services, or money transmission. All balances represent virtual allowance tracking only.

3.1 Parents and Partners

• You must be at least 18 years of age to register as a Parent or Partner.
• You must provide accurate, complete, and current information during registration.
• You are responsible for maintaining the security of your Google account credentials.
• You may not create an account on behalf of another adult without their consent.

3.2 Child Accounts

• Child accounts may only be created by a registered Parent.
• By creating a child account, the Parent provides verifiable parental consent for the child's limited participation.
• Children access the Service through their Family Code, name, and 4-digit PIN managed and provided by the Parent.
• Parents are responsible for their children's use of the Service.

3.3 Family Code

Each Clan receives a unique Family Code (format: BEE-XXXX-XXXX). Keep it secure sharing it grants access to your family's data within the app.

As the Clan Admin (Parent), you are solely responsible for:

• Supervising all financial activity within your family Clan.
• The accuracy of budget allocations, chore assignments, and approvals you make within the app.
• Ensuring that child information you enter is accurate and that you have the right to create those profiles.
• Reviewing and approving or rejecting chore completions and spending requests.
• Managing Partner access permissions appropriately.
• Promptly removing family members who should no longer have access.

5.1 Subscription Tiers

• Free: 1 child, ads enabled, no AI chore verifications.
• Plus: Up to 5 children, no ads, 3 AI verifications per child per month.
• Pro: Unlimited children, no ads, 5 AI verifications per child per month.

5.2 Billing

• Paid subscriptions are billed through the Apple App Store or Google Play Store via RevenueCat.
• Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period.
• Prices are subject to change with reasonable notice.

5.3 Refunds

Refunds are handled by Apple or Google per their respective policies. BudgetClan does not directly process in-app purchase refunds.

5.4 Free Tier Ads

Free tier includes non-personalised advertisements via Google Mobile Ads. Ads are not shown on Plus or Pro. We do not permit personalised advertising directed at children.

You agree not to:

• Use BudgetClan for any unlawful purpose or in violation of applicable laws.
• Attempt to reverse-engineer, decompile, or extract source code from the app.
• Use automated tools (bots, scrapers) to access or interact with the Service.
• Gain unauthorised access to another family's Clan or BudgetClan systems.
• Upload malicious content or photos intended to deceive the AI chore verification system.
• Share your Family Code publicly in a way that allows unauthorised individuals to join.
• Use family chat to send harmful, abusive, or illegal content.
• Impersonate any person or entity or misrepresent your affiliation.
• Overwhelm our systems with excessive requests (rate limits are enforced).

BudgetClan uses the Google Gemini API to verify chore completion from photos submitted by children.

• AI verification is an assistive tool its decisions are not final. Parents always retain the right to manually approve or reject any chore.
• AI results may not always be accurate. Do not rely solely on AI output for household decisions.
• Photos are processed by Google's Gemini API and are not stored by BudgetClan after processing.
• AI verification quota is limited per subscription tier and resets monthly.
• We reserve the right to modify, suspend, or discontinue AI features at any time.

The BudgetClan name, logo, app design, codebase, and all related content are the exclusive intellectual property of BudgetClan, protected by copyright, trademark, and applicable laws.

You retain ownership of content you submit (chat messages, chore photos) but grant BudgetClan a limited licence to process and display it solely to provide the Service.

You may not copy, reproduce, modify, distribute, or create derivative works of any BudgetClan content without our express written permission.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, BUDGETCLAN DISCLAIMS ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted or error-free. BudgetClan is not a financial institution and does not provide financial, legal, or tax advice.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BUDGETCLAN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

We reserve the right to suspend or terminate your account at any time, with or without notice, if you violate these Terms or pose a risk to other users or the platform.

You may delete your account at any time from App Settings → Delete Account. Your data will be permanently removed within 30 days as described in our Privacy Policy.

Provisions that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, and limitation of liability.

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which BudgetClan is registered, without regard to conflict of law provisions.

Disputes shall be resolved through binding arbitration, except where prohibited by law. Nothing prevents either party from seeking injunctive relief in a court of competent jurisdiction.

We may revise these Terms from time to time. We will notify you of material changes via in-app notification or email at least 14 days before changes take effect. Continued use after the effective date constitutes acceptance of the revised Terms.

Questions about these Terms? Contact us:

• Email: itsbudgetclan@gmail.com
• Support Form: budgetclan.site/support