Terms of Service

Agreement to These Terms

These Terms of Service ("Terms") are a binding contract between you and Daily Budget ("we," "us," or "our").

These Terms govern your access to and use of the Daily Budget mobile applications, website, and related services (collectively, the "Service").

By creating an account, checking the acceptance box at signup, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

SECTION 20 CONTAINS A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ IT CAREFULLY.

Eligibility

To use the Service, you must:

• Be at least 18 years of age;
• Reside in the United States; and
• Have the legal capacity to enter into a binding contract.

The Service is not offered to, or intended for, individuals under 18 or persons located outside the United States. If we learn that an account belongs to someone under 18, we will terminate it and delete the associated data.

If you are using the Service on behalf of a business or other entity, you represent that you are authorized to bind that entity, and "you" refers to that entity.

Your Account

Registration. You must provide accurate and complete information when you register and keep it current.

Security. You are responsible for safeguarding your credentials and for all activity that occurs under your account. Notify us immediately at security@dailybudget.ai if you suspect unauthorized access.

One account per person. You may not share your account, transfer it, or create an account on behalf of another person without their authorization.

What the Service Is

Daily Budget is a personal budgeting and expense-tracking tool. It allows you to record income and expenses, categorize transactions, set budget targets, and view summaries and reports of information you provide or authorize us to retrieve.

What the Service Is Not — No Financial, Legal, or Tax Advice

PLEASE READ THIS SECTION CAREFULLY.

Daily Budget is an informational tool only. We are not a bank, credit union, broker-dealer, investment adviser, financial planner, tax preparer, accountant, credit counselor, debt-relief provider, or money transmitter. We do not hold, move, transmit, invest, or have custody of your money.

We do not provide financial, investment, legal, accounting, or tax advice. Nothing in the Service — including budget targets, projections, categorizations, alerts, summaries, insights, or any automatically generated content — constitutes advice or a recommendation, and none of it should be relied upon as such.

We are not your fiduciary. No advisory, fiduciary, or professional relationship is created by your use of the Service.

You are solely responsible for your own financial decisions. Before acting on anything you see in the Service, you should verify it against your actual account statements and, where appropriate, consult a qualified professional licensed in your jurisdiction.

Accuracy is not guaranteed. Calculations, balances, categorizations, and forecasts may be incomplete, delayed, or wrong — whether because of data you entered, data supplied by a third party, or an error in the Service itself. The Service is not a substitute for statements or records provided by your financial institutions, which control in the event of any conflict.

Subscriptions, Billing, and Cancellation

Paid Subscription

Access to the Service requires a paid subscription ("Subscription"). Current plans, prices, and billing intervals are disclosed in the app and on our website before you complete a purchase.

Free Trial

We may offer a free trial of 30 days. Unless you cancel before the trial ends, your Subscription will automatically begin and you will be charged the then-current price for your selected plan. Trials are limited to one per person and may be modified or withdrawn at any time. Where required by law or platform rules, we will remind you before your trial converts.

Automatic Renewal — Please Note

YOUR SUBSCRIPTION RENEWS AUTOMATICALLY. At the end of each billing period, your Subscription will renew for another period of the same length at the then-current price, and your payment method will be charged, unless you cancel at least 24 hours before the end of the current period.

You authorize us and our payment processors and platform partners to charge your payment method on a recurring basis until you cancel.

How to Cancel

If you subscribed through the Apple App Store or Google Play, you must cancel through that platform — we cannot cancel a store-billed Subscription on your behalf:

• Apple: Settings → your name → Subscriptions.
• Google Play: Play Store → Profile → Payments & subscriptions → Subscriptions.

If you subscribed directly through our website, you may cancel in your account settings or by emailing support@dailybudget.ai.

Cancellation stops future charges. Your access continues through the end of the period you have already paid for. Deleting the app does not cancel your Subscription.

Refunds

Purchases made through the Apple App Store or Google Play are subject to that platform's refund policy, and refunds must be requested from the platform — we have no ability to issue them. For subscriptions purchased directly from us, fees are non-refundable except where required by law or where we choose to make an exception in our discretion. Partial periods are not refunded or prorated.

Price Changes

We may change Subscription prices. We will give you advance notice by email or in-app, and price changes take effect at your next renewal. If you do not accept a price change, you may cancel before it takes effect.

Failed Payments

If a charge fails, we may retry it and may suspend or downgrade your access until payment succeeds. You remain responsible for amounts owed.

Taxes

Prices exclude applicable sales and other taxes, which will be added where required.

Information You Enter

You are responsible for the accuracy and completeness of the transactions, balances, budgets, and other information you enter. The Service's output is only as reliable as the input it receives. We do not audit, verify, or reconcile your entries.

Connecting Financial Accounts

This Section applies if and when Daily Budget makes account-connection features available to you.

Third-Party Aggregation Services

Daily Budget may offer the ability to link your bank, credit card, or other financial accounts so that transaction and balance information can be imported automatically. This functionality is provided through one or more third-party data-aggregation providers (each an "Aggregation Provider"), such as Plaid Inc.

We are not affiliated with your financial institutions and do not have a relationship with them.

Your Authorization

If you choose to connect an account, you:

• Authorize us and our Aggregation Provider to access, retrieve, and store transaction, balance, and account information from that institution on your behalf, on a recurring basis;
• Represent that you are the owner or an authorized user of every account you connect;
• Appoint us and our Aggregation Provider as your limited agent for the sole purpose of retrieving that information; and
• Acknowledge that you may need to provide credentials or complete authentication directly with the Aggregation Provider, and that the Aggregation Provider's own privacy policy and terms govern its handling of your credentials and data.

You should review the Aggregation Provider's policies before connecting an account. We will identify the Aggregation Provider in the connection flow and link to its policies.

Read-Only

Connections are read-only. Daily Budget cannot and does not initiate payments, transfers, trades, or any other transaction on your accounts.

Data Accuracy and Availability

Institution data may be delayed, incomplete, miscategorized, duplicated, or temporarily unavailable, including because of changes made by your institution. We do not warrant the accuracy, timeliness, or completeness of any information retrieved from a third party, and your official account statements always control.

Disconnecting

You may disconnect any linked account at any time in the app. Disconnecting stops future retrieval; it does not automatically delete previously imported data, which you may delete separately (see Section 17).

License

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the Service on devices you own or control, for your own personal, non-commercial use, in accordance with these Terms. We reserve all rights not expressly granted.

Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose, or in violation of any applicable law or regulation;
• Access or attempt to access accounts, data, or systems that do not belong to you;
• Connect a financial account you are not authorized to access;
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service, except where such restriction is prohibited by law;
• Copy, modify, distribute, sell, resell, license, sublicense, or create derivative works from the Service;
• Use scrapers, bots, or other automated means to access the Service, or scrape or harvest data from it;
• Circumvent, disable, or interfere with security features, rate limits, paywalls, or usage restrictions;
• Introduce malware or any code intended to disrupt or damage the Service;
• Interfere with or place unreasonable load on our infrastructure;
• Use the Service to develop a competing product or to benchmark it for a competitor without our written consent;
• Remove or obscure any proprietary notices; or
• Impersonate any person or misrepresent your affiliation with any person or entity.

We may investigate suspected violations and may suspend or terminate access without notice.

Your Content

You retain ownership of the data you enter or import ("Your Content"). You grant us a worldwide, royalty-free, non-exclusive license to host, store, reproduce, process, transmit, and display Your Content solely to operate, secure, support, and improve the Service and to provide it to you.

We may use aggregated and de-identified data derived from usage of the Service — data that cannot reasonably be used to identify you or any individual — for analytics, product development, benchmarking, and research. We do not sell Your Content. See our Privacy Policy for details.

Feedback

If you send us suggestions, ideas, or feedback, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use it for any purpose without compensation, attribution, or obligation of confidentiality. Please don't send us anything you consider confidential.

Intellectual Property

The Service, including its software, design, interfaces, text, graphics, logos, and the "Daily Budget" name and marks, is owned by us or our licensors and is protected by copyright, trademark, and other laws. Nothing in these Terms transfers any ownership interest to you.

Third-Party Services

The Service may integrate with or link to services we do not control, including Aggregation Providers, app stores, payment processors, and analytics providers. We are not responsible for third-party services, their content, or their practices, and your use of them is governed by their own terms.

Privacy

Our collection and use of personal information is described in our Privacy Policy at /legal/privacy, which is incorporated into these Terms by reference. Because the Service handles financial information, please read it carefully.

Electronic Communications and E-Sign Consent

You consent to receive all communications, agreements, disclosures, notices, and records from us electronically — by email to the address associated with your account, by in-app notice, or by posting to the Service. You agree that electronic delivery satisfies any legal requirement that such communications be in writing.

You also agree that your electronic acceptance (clicking, tapping, or checking a box) constitutes your signature and is legally binding.

To receive communications electronically, you need a device with internet access, a current browser or app version, a working email address, and the ability to view and save PDF files.

Withdrawing consent. You may withdraw this consent by emailing support@dailybudget.ai, but because the Service is delivered electronically, withdrawing consent means we will close your account.

You may also update your email address at any time in account settings. Keeping it current is your responsibility.

Service vs. marketing messages. Separate from the above, we will only send marketing emails or texts consistent with your preferences and applicable law. You may opt out of marketing at any time without affecting transactional and account communications, which you cannot opt out of while your account is active.

Changes, Suspension, and Termination

Changes to the Service

We may modify, add, or discontinue features at any time. If we discontinue the Service entirely or materially reduce functionality you are paying for, we will give reasonable notice and provide a prorated refund of prepaid, unused fees for direct subscriptions.

Changes to These Terms

We may update these Terms. If changes are material, we will notify you by email or in-app at least 30 days before they take effect, and we will update the effective date printed at the top of this document. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service and cancel your Subscription. Changes to Section 20 (Dispute Resolution) will not apply retroactively to disputes we already have notice of.

Termination by You

You may stop using the Service at any time. To delete your account and the data associated with it, email support@dailybudget.ai from the address on your account. Deleting your account does not automatically cancel a store-billed Subscription — cancel through the platform as described in Section 6.4.

Termination by Us

We may suspend or terminate your access, with or without notice, if you breach these Terms, if we suspect fraud or unlawful activity, if required by law, or if we discontinue the Service.

Effect of Termination

Upon termination, your license ends and your right to access the Service ceases. We will delete or de-identify your personal data in accordance with our Privacy Policy and retention schedule. Sections 5, 11, 12, 13, and 18 through 22 survive termination.

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, TIMELY, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT DATA WILL NOT BE LOST; OR THAT ANY CALCULATION, CATEGORIZATION, BALANCE, PROJECTION, OR OTHER OUTPUT WILL BE ACCURATE, COMPLETE, OR CURRENT.

WE ARE NOT RESPONSIBLE FOR ANY FINANCIAL LOSS, OVERDRAFT, MISSED PAYMENT, FEE, PENALTY, TAX CONSEQUENCE, CREDIT IMPACT, OR OTHER HARM RESULTING FROM YOUR RELIANCE ON THE SERVICE OR FROM INFORMATION SUPPLIED BY A THIRD PARTY.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) NEITHER WE NOR OUR OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).

(c) THESE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Some jurisdictions do not allow certain limitations, so parts of this Section may not apply to you. Nothing here limits liability that cannot be limited by law, including for gross negligence, fraud, or willful misconduct.

You acknowledge that these limitations are an essential basis of the bargain and that we would not provide the Service on these prices and terms without them.

Dispute Resolution — Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS HOW DISPUTES BETWEEN US ARE RESOLVED AND LIMITS YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS.

Informal Resolution First

Before filing a claim, you agree to try to resolve it informally by sending written notice to support@dailybudget.ai describing the dispute and the relief you seek. We will do the same. Both parties agree to negotiate in good faith for 60 days before initiating arbitration. This step is a condition precedent to arbitration, and the limitations period is tolled during it.

Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration, administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, available at www.adr.org.

• The arbitration will be conducted by a single arbitrator.
• The arbitrator has exclusive authority to resolve all issues, except that a court has exclusive authority to decide the enforceability, scope, and validity of Section 20.4 (Class Action Waiver).
• Arbitration will be held in the State of Georgia, or, at your election, by telephone, videoconference, or on documents only. If in-person proceedings are required, they may be held in the federal judicial district where you reside.
• The arbitrator may award any relief available in court to the individual party, but may not award relief on behalf of anyone else.
• The arbitrator's decision is final and binding, and judgment may be entered in any court of competent jurisdiction.
• Fees: We will pay filing, administrative, and arbitrator fees as required by AAA rules, and will pay them in full for any claim under $10,000 unless the arbitrator finds the claim frivolous. Each party otherwise bears its own attorneys' fees, except where a statute provides otherwise.

The Federal Arbitration Act governs the interpretation and enforcement of this Section.

Exceptions

Either party may (a) bring an individual claim in small claims court if it qualifies, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement or misappropriation of intellectual property or unauthorized access to the Service.

Class Action and Jury Trial Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

YOU AND WE WAIVE ANY RIGHT TO A TRIAL BY JURY.

If this Section 20.4 is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in court, and the remainder of Section 20 will continue to apply to all other claims.

Your Right to Opt Out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing support@dailybudget.ai with your name, the email on your account, and a clear statement that you are opting out of arbitration. Opting out does not affect any other part of these Terms and will not affect your access to the Service.

Survival

This Section survives termination of these Terms and of your account.

Indemnification

You agree to indemnify, defend, and hold harmless Daily Budget and its officers, directors, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Service, (b) your breach of these Terms, (c) your violation of any law or the rights of any third party, or (d) your connection of any financial account you were not authorized to access. We reserve the right to control the defense of any matter subject to indemnification, at your expense.

General

Governing Law. These Terms and any dispute arising from them are governed by the laws of the State of Georgia, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 20.

Venue. For any dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Georgia.

Entire Agreement. These Terms, together with the Privacy Policy and any plan-specific terms disclosed at purchase, are the entire agreement between us and supersede all prior agreements and understandings on this subject.

Severability. If any provision is held unenforceable, it will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force.

No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our written consent. We may assign them, in whole or in part, in connection with a merger, acquisition, reorganization, or sale of assets.

Force Majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.

No Third-Party Beneficiaries. Except as stated in Section 23, these Terms create no third-party beneficiary rights.

Headings. Headings are for convenience only and do not affect interpretation.

Notices. We may give notice by email, in-app message, or posting to the Service. You must give notice to support@dailybudget.ai.

Additional Terms for Mobile App Stores

Apple App Store

If you downloaded the app from the Apple App Store, the following applies and, in the event of conflict with the rest of these Terms, controls as to Apple:

• These Terms are between you and us only, not with Apple. Apple is not responsible for the app or its content.
• Your license to use the app is limited to a non-transferable license to use it on Apple-branded products you own or control, as permitted by the App Store Terms of Service.
• Apple has no obligation to provide any maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund your purchase price. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to a warranty are our responsibility.
• Apple is not responsible for addressing any claims by you or a third party relating to the app, including product liability claims, claims that the app fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or privacy law.
• If a third party claims the app infringes its intellectual property rights, we, not Apple, are solely responsible for the investigation, defense, settlement, and discharge of that claim.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of this Section 23.1 and have the right to enforce it against you.

Google Play

If you downloaded the app from Google Play, your use is also subject to the Google Play Terms of Service. Google is not a party to these Terms and has no responsibility for the app.

Contact Us

Operated by Daily Budget

• Support: support@dailybudget.ai
• Security: security@dailybudget.ai
• Legal notices: support@dailybudget.ai
• Privacy: support@dailybudget.ai

How your data is handled is set out separately, at /legal/privacy.