Terms of Service

Agreement

By using WTF Is This Budget ("the Service," "we," "us," "our"), you agree to these terms. If you don't agree, don't use the service. We're not going to hide this behind a pre-checked checkbox or a 90-page document that requires a law degree.

These terms are a legal agreement between you and WTF Is This Budget. We've written them in plain language because we think you deserve to actually understand what you're agreeing to. The legal substance is real even if the tone isn't what you'd expect from a corporate lawyer.

Using the Service

WTF Is This Budget is a personal budgeting tool. You can use it to track your spending, categorize transactions, sync bank accounts, and generally figure out where your money disappears to every month.

Here's what we ask of you:

• • You must be at least 13 years old to use the service. If you're under 18, get a parent or guardian on board.
• • Don't use the service for anything illegal. We're a budgeting app, not a money laundering platform.
• • Don't try to hack, scrape, reverse-engineer, or otherwise mess with our systems. We're a small team and we'd really rather spend our time building features.
• • Don't abuse the service in ways that degrade it for other users. You know what we mean.

Your Account

You're responsible for keeping your account secure. Use a strong password. Don't share it with people you don't trust. If someone gains access to your account because your password was "password123," that's on you.

• • One account per person. Don't create multiple free accounts to game the system. We'll notice, and it'll be awkward for everyone.
• • Provide accurate information. You don't need to give us your life story, but your email should be real.
• • If you suspect unauthorized access, let us know immediately. We'll help you lock it down.

Our Service

We provide a budgeting tool. Here's what that means and what it doesn't:

• • We are not financial advisors. We help you see where your money goes. We don't tell you where it should go. Don't make major financial decisions based solely on what our app says.
• • We aim for accuracy, but we're not perfect. Bank sync, AI categorization, and calculations are provided on a best-effort basis. Always verify important numbers independently.
• • We may change features. We're constantly improving the product. Features might change, get better, or occasionally break. We'll do our best to keep things stable and communicate changes.
• • Uptime. We aim for high availability but we can't guarantee 100% uptime. Servers go down, updates happen, and sometimes things break at 3 AM. We fix them as fast as humanly possible.

Payment

The free tier is free. Forever. No bait-and-switch. No "free for 30 days then surprise."

For paid plans (Pro and Family):

• • You'll be billed monthly at the price shown when you sign up. No hidden fees. What you see is what you pay.
• • Prices may change, but we'll give you at least 30 days notice before any increase affects your account. And we'll never increase your price in the middle of a billing period.
• • Refunds: If you're unhappy within the first 30 days of a paid plan, we'll refund you. No questions asked, no guilt trips, no "exit survey."

Cancellation

You can cancel anytime. Here's how it works, with zero BS:

• • Cancel your subscription: One click in your account settings. You keep access until the end of your billing period. No "please don't leave" popups. No calling a phone number. No talking to a "retention specialist."
• • Delete your account: One click and we nuke everything. All your data, gone. We'll give you a chance to export first.
• • Downgrade: You can always drop down to the free tier instead of leaving entirely. Your data stays, you just lose the premium features.

Privacy

Your privacy matters to us. A lot. Like, a weird amount for a tech company. The short version:

• • We don't track you.
• • We don't sell your data.
• • We don't use analytics.
• • We use one cookie (session only).

For the complete details, read our Privacy Policy. It's actually readable. We promise.

Disclaimers

Here's where we have to get a little more "legal" because our lawyers insist:

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, and non-infringement.

In plain English: We work hard to make the app reliable and accurate, but we can't guarantee it will be perfect 100% of the time. Software has bugs. Banks sometimes send weird data. AI categorization will occasionally put your grocery run under "Entertainment" and there's nothing anyone can do about that.

We are not responsible for any financial decisions you make based on data in the app. We show you numbers. What you do with those numbers is your call. If you need financial advice, talk to a financial advisor, not a budgeting app.

Limitation of Liability

To the maximum extent permitted by applicable law, WTF Is This Budget and its team 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 of or inability to use the Service
• • Any unauthorized access to or alteration of your data
• • Any third-party conduct on the Service
• • Any other matter relating to the Service

In no event shall our total liability exceed the amount you've paid us in the twelve months preceding the claim. If you're on the free plan, that amount is zero. We know. We've thought about this.

Changes to These Terms

We may update these terms from time to time. When we do, we'll:

• • Update the "Effective" date at the top of this page
• • Notify you via email for any material changes
• • Give you at least 30 days before major changes take effect

Continued use of the Service after changes means you accept the new terms. If you don't agree, you can export your data and close your account. We'll miss you, but we respect the decision.

Contact

Questions about these terms? Want to report abuse? Think we missed something?

Email us at [email protected]

Yes, a real person reads these emails. We're a small team and we take this seriously.