Terms of Use

Last updated October 18, 2026

1.Agreement

FinBuddy is developed and operated by Bilal Ahmad, an individual developer based in Pakistan ("we", "us"). FinBuddy is available worldwide. These Terms of Use ("Terms") are an agreement between you and us covering the FinBuddy app, FinBuddy Premium and this website (together, the "Service"). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2.The Service

FinBuddy helps you record transactions, plan budgets, save toward goals and keep track of bills. It does not connect to banks, move money or provide financial products.

• Free includes the current month's history on your device, one bill reminder and CSV export of up to three months.
• Premium adds full history, unlimited bills, cloud backup and sync across your devices, and full JSON backup.

Features may change over time; the current plans are described on the in-app membership screen.

3.Your account

• You must be at least 13 years old (or the minimum age in your country) to use FinBuddy.
• Provide an email address you control and keep your password confidential. You are responsible for activity under your account.
• Accounts are personal. Don't share yours or create one for someone else without their permission.
• Tell us promptly at the email below if you think your account has been accessed without permission.

4.Premium subscriptions

• Billing: Premium is sold as an auto-renewable subscription through Apple's App Store. Payment is charged to your Apple ID at confirmation of purchase.
• Renewal: the subscription renews automatically for the same period and price unless cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
• Introductory offers: where offered, an introductory price applies for the stated period to eligible new subscribers, after which the regular price applies automatically. Prices are shown in the app before you buy.
• Managing and cancelling: manage or cancel in iOS Settings → your name → Subscriptions. Cancelling stops future renewals; Premium stays active until the end of the period you've paid for.
• Refunds: purchases are handled by Apple, and refund requests are made to Apple at reportaproblem.apple.com under Apple's policies.
• Price changes: if the price changes, Apple will notify you in advance as its rules require.
• Restoring: use Restore purchases on the membership screen if Premium doesn't appear on a new device.

If Premium ends, your data is not deleted. Older history becomes locked again and syncing stops until you resubscribe.

5.Your data

You own the information you put into FinBuddy. You give us a limited permission to store, process, back up and sync it solely to provide the Service to you, as described in the Privacy Policy. You can export it at any time and delete your account from Settings → Delete account.

We work hard to keep your data safe and syncing correctly, but no software is perfect. Please keep your own copies using Settings → Data & backup, especially before switching devices or deleting the app.

6.Not financial advice

FinBuddy shows calculations — balances, budgets, forecasts, savings pace — based on the information you enter. They are estimates for personal organisation only and are not financial, investment, tax or legal advice. Exchange rates come from a third-party source, are refreshed periodically, may not reflect live market rates and must not be used for actual transactions. Decisions you make based on the app are your own.

7.Acceptable use

You agree not to:

• use the Service unlawfully or to store unlawful content;
• try to access other people's accounts or data, or probe, scan or test the vulnerability of our systems without permission;
• interfere with or overload the Service, or use bots or automated means to access it except as we allow;
• copy, modify, resell or reverse engineer the app except where the law expressly permits it.

We may suspend or close accounts that break these rules or put the Service or other users at risk.

8.Intellectual property and copyright (DMCA)

The FinBuddy app, name, logo, design and content are owned by us and protected by intellectual property laws. Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to use the app on Apple devices you own or control, as permitted by Apple's Usage Rules.

We respect the intellectual property of others. If you believe material available through the Service or this website infringes your copyright, send a notice to bilalahmad.dev@gmail.com that includes:

1. your physical or electronic signature;
2. identification of the copyrighted work you claim is infringed;
3. identification of the material you claim is infringing and where it is located;
4. your name, address, telephone number and email;
5. a statement that you have a good-faith belief the use is not authorised by the copyright owner, its agent or the law; and
6. a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorised to act on the owner's behalf.

We may remove the material and, where appropriate, terminate repeat infringers. If you believe material was removed by mistake, you may send a counter-notice to the same address.

9.Third-party services

The Service relies on third parties such as Apple, our cloud database and subscription providers, analytics and crash reporting, and an exchange-rate service (listed in the Privacy Policy). Their services are subject to their own terms, and we are not responsible for their availability or content.

10.Changes, suspension and termination

We may update, add or remove features, or suspend or discontinue the Service. If we discontinue cloud sync or the app, we will give reasonable notice where possible so you can export your data. You may stop using FinBuddy and delete your account at any time. Sections 5, 6, 8, 11, 12 and 14 survive termination.

11.Disclaimers

To the fullest extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that data will never be lost. Some jurisdictions do not allow these exclusions, so some may not apply to you.

12.Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill, arising from your use of or inability to use the Service. Our total liability for any claim relating to the Service is limited to the greater of the amount you paid for Premium in the 12 months before the claim or USD 50. Nothing in these Terms limits liability that cannot be limited by law, or your rights as a consumer under mandatory local law.

13.Apple App Store terms

If you downloaded FinBuddy from the App Store: these Terms are between you and us, not Apple, and we — not Apple — are responsible for the app and its content. Apple has no obligation to provide maintenance or support. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any); to the maximum extent permitted by law Apple has no other warranty obligation. We, not Apple, are responsible for addressing any claims relating to the app, including product liability, legal or regulatory compliance, consumer protection and intellectual property infringement claims. You confirm you are not located in a country subject to a U.S. Government embargo or on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Where these Terms are silent, Apple's Licensed Application End User License Agreement applies.

14.Governing law and disputes

These Terms are governed by the laws of Pakistan, without regard to conflict-of-law rules, and disputes will be heard by the competent courts of Pakistan.

FinBuddy is offered to users around the world. If you use it as a consumer, nothing in these Terms takes away the protection of the mandatory laws of the country where you live, and you may also bring proceedings in the courts of that country where its law allows. In particular, consumers in the European Union, the United Kingdom and similar jurisdictions keep all statutory rights they cannot waive.

Before filing any claim, please email us so we can try to resolve the issue informally; most problems can be fixed quickly that way.

15.Changes to these Terms

We may update these Terms. We will change the date at the top and, for material changes, notify you in the app before they take effect. Continuing to use the Service after that means you accept the updated Terms.

16.Contact

bilalahmad.dev@gmail.com