Terms of Use (End User License Agreement)

Budgie Last updated: 5 September 2026

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Introduction

Welcome to Budgie (“the App”). These Terms of Use (“Terms”) form a binding agreement between you and the developer of Budgie. By downloading, accessing, or using the App, you agree to be bound by these Terms. If you do not agree, you must stop using the App.

Eligibility

You must be at least 16 years old, or have the consent of a parent or guardian, to use the App. By using the App, you confirm that you meet this requirement. This is the minimum age to agree to these Terms and is separate from the children’s‑privacy age referred to in our Privacy Policy and from the age‑suitability rating shown for the App on the app stores.

Licence

We grant you a personal, non‑exclusive, non‑transferable, revocable licence to use the App for your own personal, non‑commercial budgeting purposes, in accordance with these Terms and the rules of the app store from which you obtained the App.

Use of the App

Budgie is a personal budgeting tool that helps you record income and expenses, set budgets and savings goals, and view summaries and insights, including optional AI‑generated insights. The App is provided for informational and personal organisation purposes only and does not constitute financial, investment, accounting, tax, or legal advice. You are solely responsible for any decisions you make based on information in the App.

AI Insights

Budgie can generate short “insight cards” about your spending. These cards are written by an AI model provided by OpenAI, based on an aggregated summary of your budgeting data.

• Opt‑in. AI insights are off by default. Nothing is sent for analysis unless you turn the feature on in Profile → AI insights, and the feature requires you to be signed in. See our Privacy Policy for exactly what is sent and what never leaves your device.
• Unlocking cards. Cards can be unlocked by watching a rewarded advertisement. Budgie Pro subscribers get a higher daily allowance and an ad‑free experience.
• Not financial advice. AI‑generated insights are provided for informational and personal organisation purposes only. They do not constitute financial, investment, accounting, tax, or legal advice, and they are not a recommendation to buy, sell, or use any financial product. You are solely responsible for any decisions you make in response to them.
• Accuracy. AI models can produce output that is incomplete, misleading, or wrong. While Budgie takes steps to ground each card in your own figures and checks the results before showing them, we do not warrant that any insight is accurate, complete, or suitable for your circumstances. Always check a card against your own records before acting on it.
• Fair use and availability. Generation is subject to daily limits, and we may change, limit, suspend, or discontinue AI insights — or the provider behind them — at any time. The feature also requires a working internet connection and depends on a third‑party service that may be unavailable.

Subscriptions & In‑App Purchases (Budgie Pro)

Budgie offers an optional paid subscription, Budgie Pro, which unlocks cloud sync across your devices and an ad‑free experience. Budgie Pro is offered as an auto‑renewing subscription on a monthly or yearly basis.

• Billing. Budgie Pro is purchased and billed through the Apple App Store or Google Play, and charged to your store account at confirmation of purchase.
• Auto‑renewal. Your subscription automatically renews for the same period unless you cancel at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple App Store or Google Play account settings, which you can also reach in‑app via Settings → Manage subscription. If you have Pro on another device or after reinstalling, use Settings → Restore purchases.
• Refunds, price, and billing. Payments, refunds, and any price changes are handled by the Apple App Store or Google Play under their terms; we do not process payments or issue refunds directly.
• Loss of access. Pro features stop when your subscription lapses or is cancelled — cloud sync stops running and advertising resumes. Your locally stored budgeting data is not affected.

Subscription purchases are validated and managed using RevenueCat; see our Privacy Policy for how purchase data is handled.

Accounts & Sign‑In

You can use the core features of the App without an account. Cloud sync requires a Budgie Pro subscription and signing in using Apple or Google. You are responsible for maintaining the security of the account you use to sign in and for all activity that occurs under it.

Your Data & Backups

You are responsible for the data you enter into the App. While the App provides export/backup and optional cloud sync features, you are responsible for keeping your own backups. To the extent permitted by law, we are not liable for any loss of data.

Advertising

The App may display advertisements, including those served through Google AdMob. Ad preferences can be managed through your device settings, the in‑app privacy options, or Google’s Ad Settings, as described in our Privacy Policy. Advertising is removed for Budgie Pro subscribers.

Third‑Party Services

The App uses third‑party services, including:

• Google Firebase (Authentication, Firestore & Cloud Functions): to authenticate sign‑in, to store and sync your data when cloud sync is enabled, and to relay AI insight requests.
• OpenAI: to generate AI insight cards from an aggregated summary of your budgeting data, when you have opted in. Your use of this feature is also subject to OpenAI’s terms and privacy policy.
• Google AdMob: to display advertising.
• Sign in with Apple / Google Sign‑In: to authenticate your account.
• RevenueCat: to validate in‑app purchases and manage your Budgie Pro subscription. Billing is processed by the Apple App Store or Google Play.

Your use of these services is also subject to the respective provider’s terms and privacy policies. We are not responsible for the performance, security, or data handling of any third‑party service.

User Responsibilities

You agree to use the App only for lawful purposes. You must not misuse the App, including attempting to gain unauthorized access to our systems or any third‑party systems, interfering with the App’s operation, or using it in any way that violates applicable law.

Intellectual Property

The App, including its name, logo, design, and content (excluding your own data), is owned by the developer and protected by intellectual property laws. You may not copy, modify, distribute, or reverse‑engineer the App except as permitted by law.

Limitation of Liability

The App is provided on an “as is” and “as available” basis without warranties of any kind. To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the App, including any loss of data or any decisions made based on information in the App. Nothing in these Terms excludes or limits any rights you may have under the Australian Consumer Law or other mandatory consumer protections that cannot be lawfully excluded — including, where they apply to you, your rights in respect of digital content that is not as described or not of satisfactory quality, and our liability for death or personal injury caused by negligence, or for fraud.

Termination

We may suspend or terminate your access to the App at our discretion if you violate these Terms. You may stop using the App and delete it at any time. You can delete your account and associated cloud data via Settings → Delete account.

Governing Law

These Terms are governed by the laws of the Commonwealth of Australia, and any disputes will be subject to the jurisdiction of the Australian courts, without affecting any mandatory consumer rights in your place of residence.

Apple App Store — Additional Terms

These additional terms apply if you obtained the App from the Apple App Store. Apple requires them of any developer who supplies its own end‑user licence agreement. They supplement the rest of these Terms rather than replacing them; where this section conflicts with the rest of these Terms, this section applies to your App Store copy of the App. Nothing in this section limits any rights you have under the Australian Consumer Law or other mandatory consumer protections that cannot be lawfully excluded.

• These Terms are with us, not Apple. This agreement is between you and us only, and not with Apple. We, not Apple, are solely responsible for the App and its content.
• Scope of licence. The licence granted above is non‑transferable and permits you to use the App on any Apple‑branded product that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions.
• Maintenance and support. We are solely responsible for providing any maintenance and support for the App. Apple has no obligation to furnish any maintenance or support services.
• Warranty. We are solely responsible for any product warranties, whether express or implied by law, to the extent they are not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App to you. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App.
• Product claims. We, not Apple, are responsible for addressing any claim by you or a third party relating to the App or your possession or use of it, including product liability claims, any claim that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar law.
• Intellectual property claims. If a third party claims that the App or your possession and use of it infringes that party’s intellectual property rights, we, not Apple, are solely responsible for the investigation, defence, settlement, and discharge of that claim.
• Legal compliance. You represent and warrant that you are not located in a country that is subject to a US Government embargo, or that has been designated by the US Government as a “terrorist supporting” country, and that you are not listed on any US Government list of prohibited or restricted parties.
• Third‑party terms. You must comply with any applicable third‑party terms when using the App. The services the App relies on are listed above under Third‑Party Services.
• Apple as third‑party beneficiary. Apple and Apple’s subsidiaries are third‑party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple has the right — and is deemed to have accepted the right — to enforce these Terms against you as a third‑party beneficiary.
• Questions and complaints. Any questions, complaints, or claims about the App should be directed to us using the details under Contact below.

Changes to These Terms

We may update these Terms from time to time. Changes take effect once posted within the App or on this page. Your continued use of the App after changes are posted constitutes acceptance of the revised Terms.

Contact

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

📧 support@tap-app.com.au

📮 Etienne Petrel
Sydney NSW 2000, Australia