Terms of Service

Contact Information

1. Agreement to Terms

By accessing or using BudgetOnTime ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the Service.

2. Description of Service

BudgetOnTime is a collaborative budget management platform that enables individuals and teams to:

• • Track personal and shared expenses
• • Create and manage budgets
• • Collaborate in workspace environments
• • Generate financial insights and reports
• • Share budget responsibilities with family or team members

3. Account Registration

3.1 Eligibility

• • You must be at least 13 years old
• • You must provide accurate and complete information
• • You are responsible for maintaining account security
• • One person per account (no shared credentials)

3.2 Account Security

• • You are responsible for safeguarding your password
• • You must notify us immediately of any unauthorized access
• • We are not liable for losses due to stolen or compromised credentials
• • We reserve the right to suspend accounts with suspicious activity

4. Acceptable Use Policy

5. Payment and Subscription

5.1 Free Tier

• • Basic features available at no cost
• • Subject to usage limitations
• • May include feature restrictions

5.2 Premium Subscriptions

• • Billed monthly or annually
• • Automatic renewal unless cancelled
• • Prices subject to change with 30 days notice
• • No refunds for partial billing periods

6. Data and Content

6.1 Your Data

• • You retain ownership of your financial data
• • You grant us license to process data for Service provision
• • You are responsible for data accuracy
• • You can export or delete your data at any time

7. Disclaimers

8. Limitation of Liability

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

We are not liable for:

• • Indirect, incidental, or consequential damages
• • Lost profits or data
• • Service interruptions
• • Third-party actions
• • Force majeure events

9. Governing Law

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law provisions.

10. Contact Information