Terms of Service
These terms are an agreement between you and Mohd Arsad, trading as Budvio ("we", "us", "our"), Dubai, United Arab Emirates, about your use of the Budvio app and related services ("Budvio"). By installing or using Budvio you agree to these terms and to our Privacy Policy. If you do not agree, please do not use it.
Who can use Budvio
You must be at least 13 years old. In the European Economic Area and the UK you must be 16 or older, or have a parent's or guardian's permission, to create an account. If you use Budvio for someone else or on behalf of an organisation, you confirm you are allowed to do so. You must be legally able to enter a contract where you live.
What Budvio is
Budvio is a manual tracking tool. You enter your own income, spending, balances and plans, and Budvio organises and shows them. Budvio:
- is not financial, tax, investment, legal or lending advice, and nothing in the app is a recommendation to buy, sell or borrow;
- does not connect to your bank or cards, so balances are only what you entered and may differ from your real accounts;
- does not move, hold or send money. Settlements and splits are records only;
- shows exchange rates, forecasts, "safe to spend" figures and suggestions for information only. They are estimates based on what you entered, and you remain responsible for your own financial decisions.
Your account
You can use Budvio without an account. If you create one, you are responsible for keeping your sign-in details and your devices secure, and for what happens under your account. Tell us promptly at support@aigrowthmanager.com if you think someone else has access. You may have only one personal account and must give accurate information.
Your data
You own the data you put into Budvio. You give us permission to store, process and display it only so that we can provide Budvio to you, and as described in our Privacy Policy. You can export it and delete your account at any time from the app.
You are responsible for the data you enter and for having the right to enter it. If you use Budvio without an account, your data is only on your device and we cannot recover it if the device is lost, reset or the app is deleted.
Receipts and scanning
Text read from receipts and documents is a suggestion. Always check every field before you save. We are not responsible for mistakes in suggested values that you chose to save. Do not scan documents you have no right to copy.
Shared budgets, splits and settlements
You are responsible for whom you invite to a shared budget, the role you give them and what you add to it. People you invite can see what the role allows, and someone you remove keeps what they have already seen. Do not use shared budgets to harass, deceive or defraud others. Settlements and splits are records between the people involved. We are not a party to them and do not collect or pay money.
Acceptable use
You agree not to:
- break the law or use Budvio to help others do so;
- misuse the service, send spam or abusive messages through it, or invite people who have not agreed to be contacted;
- try to access other people's data or accounts, or probe, attack or overload our systems;
- copy, modify, reverse-engineer or decompile the app, except where the law allows it despite this term;
- bypass limits, subscription checks or security features;
- use automated tools to access Budvio in ways we have not allowed.
Licence
We give you a personal, non-exclusive, non-transferable, revocable licence to use Budvio on devices you own or control, for your own personal use, under these terms. The app, its design, names, logos and content are owned by us or our licensors. These terms do not give you any ownership of them.
Free plan and Budvio Plus
Budvio is free to use with limits that are shown in the app. Budvio Plus is an optional paid subscription, bought through the App Store or Google Play. Its prices, billing, renewals, trials and refunds are set out in the Subscription Terms, which are part of these terms. We may change features and limits over time. We will not delete your data because a limit changes or a subscription ends.
Availability and changes
We work to keep Budvio running, but we do not promise it will always be available or free of errors. We may update, change or stop features, for example for maintenance, security or legal reasons. If we stop the service altogether, we will give you reasonable notice and a way to export your data.
Feedback
If you send us ideas or feedback, we may use them without owing you anything.
Ending your use
You can stop using Budvio and delete your account at any time (Settings, Data & privacy, Delete account). We may suspend or end your access if you seriously or repeatedly break these terms, if the law requires it, or if your use puts others or the service at risk, and we will tell you why where we can. When an account ends we handle your data as set out in the Privacy Policy. Sections that by their nature should continue (such as ownership, disclaimers, liability and governing law) continue after the end.
Third-party services and app stores
Budvio relies on services provided by others, such as the App Store, Google Play, Apple and Google sign-in and our hosting providers. Their own terms apply to your use of them, and we are not responsible for them.
If you use Budvio on an iPhone or iPad: these terms are between you and us, not Apple. Apple has no obligation to provide maintenance or support for Budvio. If Budvio fails to meet an applicable warranty, you may tell Apple and Apple will refund the purchase price of the app, if any, and Apple has no other warranty obligation for it. We, not Apple, are responsible for any claims about Budvio, including product liability, legal compliance and intellectual property claims. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. You confirm that you are not in a country subject to a US embargo or on a list of restricted parties.
If you use Budvio on Android, Google Play's terms also apply, and Google is not responsible for Budvio.
Disclaimers
To the extent the law allows, Budvio is provided "as is" and "as available", without promises of fitness for a particular purpose, accuracy, uninterrupted service or that figures, forecasts or suggestions are correct. Nothing in these terms limits the rights you have under mandatory consumer law.
Limits on our liability
To the extent the law allows, we are not liable for indirect, incidental, special or consequential loss, loss of profit, savings, data or opportunity, or for loss that results from relying on figures you entered or the app calculated, or from events outside our reasonable control. Our total liability to you for anything connected with Budvio is limited to the amount you paid us for Budvio in the 12 months before the event, or if you paid nothing, to AED 100. Nothing in these terms limits liability that cannot be limited by law, for example for death or personal injury caused by negligence, fraud, or anything the law of your country does not allow to be limited.
Your responsibility
You are responsible for loss we suffer because you broke these terms or the law in using Budvio, to the extent the law allows. Consumers in the EU, UK and other places with similar protections keep all mandatory rights.
Governing law and disputes
These terms are governed by the laws of the United Arab Emirates (Dubai), without regard to conflict-of-law rules. If you have a complaint, please write to support@aigrowthmanager.com first and we will try to resolve it within 30 days. If we cannot, the courts of the United Arab Emirates (Dubai) have jurisdiction, except that if you are a consumer in the EU, UK or another place whose law gives you the right to use your local courts or law, those rights are not affected.
General
If part of these terms is found unenforceable, the rest stays in effect. If we do not enforce a term, that does not waive it. You may not transfer your rights under these terms without our consent. We may transfer ours as part of a sale or reorganisation of our business. These terms, the Privacy Policy and the Subscription Terms are the whole agreement between us about Budvio. Budvio is offered in English and Arabic. If the versions differ, the English version prevails, unless the law requires otherwise.
Changes to these terms
We may update these terms. If a change matters, we will tell you in the app before it applies. If you keep using Budvio after the change takes effect, you accept the new terms. If you do not accept, stop using Budvio and delete your account.
Contact
Mohd Arsad, trading as Budvio, Dubai, United Arab Emirates.
General: support@aigrowthmanager.com. Billing: billing@aigrowthmanager.com. Privacy: privacy@aigrowthmanager.com.