Terms of Service

1. The service

AI Budgie helps you plan a monthly budget and keep track of what you spend: you record transactions yourself, by hand, by CSV import, or with the help of an AI assistant. It does not connect to your bank and never moves money.

• 30-day trial. The monthly budget, transactions, reports and savings goals, plus up to 5 AI assistant messages a day, are included for 30 days after you create your account. After that, access pauses until you subscribe to Premium. Features the pricing page marks as Premium, such as CSV import, need a Premium subscription.
• Premium. A paid plan at US$4.99 a month, or C$6.99 a month for customers in Canada, billed in that currency monthly in advance through our payment processor, Stripe, and renewing automatically until you cancel. It currently includes 50 AI assistant messages a day, CSV import and export, overspending alerts, bill reminders and weekly, monthly and yearly email summaries; features marked "coming soon" on the pricing page are added to it as they launch, at no extra cost. The price and what it includes are shown before you pay.
• Family. A separate plan for a household (see section 3), paid by the household’s owner: C$11.99 a month, or US$8.99 a month outside Canada, billed and renewed the same way as Premium. While it is paid, everyone in the household has Premium; a member’s Premium through Family ends when they leave the household. The price is shown before you pay. A household can be changed only while Family is paid for; if a renewal can’t be paid, the household can still be viewed and exported but not changed until it is paid. Closing a household stops Family renewing.
• Cancelling. Cancel any time from your Account page (Manage subscription). Premium stays on until the end of the month you have paid for, and you won’t be charged again. We don’t refund part-months, except where the law requires it.
• Failed payments. If a renewal can’t be charged, Stripe tries again for a while and Premium stays on meanwhile. If it still can’t be paid, the subscription ends and access pauses until you subscribe again; your data isn’t affected.
• Price changes. If the price changes, we’ll tell you at least 30 days before it applies to you, so you can cancel first if you’d rather.

2. Your account

• You must be at least 16 years old to use the service, unless you are 13 to 17 and were invited into a household as a teen by its owner or a parent, with the permission of your parent or legal guardian (see section 3). Children under 13 do not have accounts.
• Use an email address you control. You can sign in with links we email you, with Google, or with a password if you set one. Keep access to your email and any password secure; you are responsible for what happens in your account.
• An account is for one person. Tell us at once if you think someone else has used yours.

3. Households and Family

• The owner. A household has one owner, who manages who is in it and, with Family, pays for it. Ownership can be handed to a parent or adult in the household, who must accept it. An owner can’t leave, or delete their account, while others are in the household, until ownership has been handed over or the household is being closed.
• Inviting people. Only invite people you know, who have agreed to share a budget with you. Don’t use a household to watch anyone beyond what its settings and the Privacy Policy openly describe.
• Private-budget access. An owner, parent or adult may explicitly give one other active adult full, one-way access to their own personal budget, including its complete history, income, plans, categories and transactions. The delegate may add, edit and delete that data. Only the budget owner may enable or revoke access, and may revoke it at any time; household roles do not provide it. Access ends when either membership ends or becomes ineligible. Minimal activity metadata is retained for accountability as the Privacy Policy describes.
• Teens. By inviting a teen (13 to 17), the owner or parent confirms they are the teen’s parent or legal guardian, or act with their permission, and that the teen may use AI Budgie. The owner or a parent chooses the teen’s privacy mode, and the teen is told when it changes.
• Children and Child Mode. By creating a child’s profile or opening Child Mode, a parent confirms they are the child’s parent or legal guardian, or act with their permission, and takes responsibility for the child’s use of Child Mode and for approving or declining what the child asks for.
• Shared content. What members record in the household’s shared book belongs to the household and stays with it when a member leaves. Your own budget and transactions stay yours.
• Closing a household. The owner can close it. It can then be viewed, exported or restored for 30 days, and is then deleted. Members’ own accounts are not affected.

4. Your data

The budgets, transactions and other information you put into AI Budgie are yours. You give us permission to store and process them only to run the service for you, as the Privacy Policy describes. You can download a copy or delete your account and data at any time on your Account page.

5. AI features

• The assistant only drafts. It suggests transactions from what you write; nothing is recorded until you confirm it. Check each one before you confirm.
• Summaries can be wrong. The AI-written summary works from your own figures, but its wording may be imprecise. The numbers behind it are shown so you can check them.
• Household features. The household summary is written from the household’s shared figures only. Child Mode has no AI. With Family, assistant messages are shared by the household, with a daily limit for each member.
• AI features are provided by a third-party service, as the Privacy Policy explains, and may sometimes be unavailable.

6. Not financial advice

AI Budgie is a tool for organizing your own money. Nothing in it, including suggested budget amounts, the 50/30/20 calculator, comparisons with other apps and AI-written text, is financial, tax, legal or investment advice. Decisions about your money are yours; consider a qualified professional for advice about your situation.

7. Acceptable use

Please don’t:

• use the service for anything unlawful, or to store content that isn’t yours to store;
• try to get around limits such as the assistant’s daily allowance, for example with many accounts;
• interfere with the service, probe it for weaknesses without our permission, or access it by automated means other than the app itself;
• use the AI features to produce content unrelated to budgeting, or to try to make them misbehave.

If you believe you’ve found a security problem, please tell us at hello@aibudgie.app.

8. Suspension and ending your account

You can stop using the service and delete your account at any time. We may suspend or close an account that breaks these terms or puts the service or other people at risk; where we reasonably can, we will tell you why first and give you a chance to download your data.

9. Changes to the service

We keep improving AI Budgie, so features will change. If we ever stop offering the service, we will give you at least 30 days’ notice by email so you can download your data.

10. Disclaimers and limits of liability

We work to keep AI Budgie accurate and available, but the service is provided "as is" and "as available", without guarantees that it will be uninterrupted or error-free. To the extent the law allows, we are not liable for indirect or consequential losses, or for decisions you make based on the service, and our total liability to you for the trial is limited to CAD $100.

Nothing in these terms limits rights you have under consumer protection law that cannot be waived.

11. Governing law

These terms are governed by the laws of Canada and of the province or territory where you live. If a part of them is found unenforceable, the rest still applies.

12. Changes to these terms

If we make material changes, we will tell you by email or an in-app notice before they take effect. If you don’t agree to the new terms, you can delete your account before then.

13. Contact

Questions about these terms: hello@aibudgie.app.