BudgetMan

Terms of Service

Last Updated: October 24, 2025

1. Agreement to Terms

By accessing or using BudgetMan ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

BudgetMan is operated by David Cornelson ("we," "us," or "our"), an individual proprietor. BudgetMan is not currently incorporated.

2. Description of Service

BudgetMan is a web-based budget management application that operates entirely in your web browser. The Service allows you to:

  • Track income and expenses
  • Create and manage budgets
  • Import transactions from CSV files
  • Automatically categorize transactions using rules
  • Generate reports and insights

3. Data Storage and Privacy

Important: Your data remains under your control.

BudgetMan is designed with privacy as a core principle. All personal and financial data, including but not limited to transactions, budgets, account information, and categorization rules, is stored exclusively in your personal cloud storage (currently Google Drive's application data folder).

We do NOT store, transmit, or have access to:

  • Your transaction data
  • Your budget information
  • Your financial account details
  • Your CSV import files
  • Any other personal financial information

The only personal information we collect and store is your email address, which is used solely for license validation and account management purposes.

4. User Accounts and Authentication

To use BudgetMan, you must authenticate with Google OAuth 2.0 to grant the application permission to store data in your Google Drive's application data folder. You are responsible for:

  • Maintaining the security of your Google account
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access

You may revoke BudgetMan's access to your Google Drive at any time through your Google account settings. This will prevent the application from accessing your data but will not delete your data from your Google Drive.

5. License and Subscription

BudgetMan offers both free and paid subscription tiers. Payment processing is handled by Paddle.com Market Limited ("Paddle"), our authorized payment processor.

5.1 Free Tier

The free tier provides basic budgeting functionality with limitations as described on our pricing page.

5.2 Pro Tier

The Pro tier subscription provides access to advanced features. Subscriptions are billed monthly or annually as selected at purchase.

5.3 License Validation

Pro tier licenses are validated periodically (approximately weekly) to verify active subscription status. The application will function offline between validation checks.

5.4 Refunds and Cancellations

You may cancel your subscription at any time. Upon cancellation, you will retain Pro features until the end of your current billing period, after which your account will revert to the free tier. Refund requests are handled on a case-by-case basis within 30 days of purchase.

6. Acceptable Use

You agree NOT to:

  • Use the Service for any unlawful purpose
  • Attempt to reverse engineer, decompile, or disassemble the application
  • Circumvent license validation or feature restrictions
  • Interfere with or disrupt the Service or servers
  • Share your license key with others
  • Use the Service to store data that violates any applicable law

7. Intellectual Property

The Service, including its original content, features, and functionality, is owned by David Cornelson and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Your data remains your property. By using the Service, you retain all rights to your financial data, which is stored in your personal cloud storage.

8. Third-Party Services

BudgetMan integrates with the following third-party services:

  • Google Drive: For data storage in your personal cloud account
  • Paddle: For payment processing and subscription management

Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices of these third parties.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

  • The Service will be uninterrupted, secure, or error-free
  • The results obtained from using the Service will be accurate or reliable
  • Any errors in the Service will be corrected

You are solely responsible for maintaining backups of your data. While your data is stored in your Google Drive, we recommend maintaining additional backups.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DAVID CORNELSON SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

  • Your use or inability to use the Service
  • Any unauthorized access to or use of your data
  • Any interruption or cessation of the Service
  • Any bugs, viruses, or other harmful code
  • Any errors or omissions in content

In no event shall our total liability exceed the amount you paid us in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless David Cornelson from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with:

  • Your access to or use of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights

12. Changes to Service

We reserve the right to modify or discontinue the Service (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

Since your data is stored in your personal cloud storage, you will retain access to your data even if the Service is discontinued.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last Updated" date.

Your continued use of the Service after any changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which David Cornelson resides, without regard to conflict of law provisions.

15. Dispute Resolution

Any dispute arising from these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

17. Entire Agreement

These Terms constitute the entire agreement between you and David Cornelson regarding the Service and supersede all prior agreements and understandings.

18. Contact Information

If you have any questions about these Terms, please contact us at:

Email: support@budgetman.app
Operator: David Cornelson