Terms and Conditions

1. Acceptance of these terms

By downloading, installing, accessing, or using BudgetTrail, you agree to these Terms and Conditions. If you do not agree, please do not use the app.

2. About BudgetTrail

BudgetTrail helps you enter and review income sources, expenses, loan balances, repayment details, interest rates, dates, notes, and related budget information. The app is intended to help you organise your own financial planning information.

3. Your responsibility

You are responsible for the information you enter into BudgetTrail and for any decisions you make based on that information. You should independently verify calculations, due dates, balances, repayment amounts, and other financial details before relying on them.

Before making financial, legal, tax, debt, or credit decisions, speak to your bank, lender, accountant, financial adviser, attorney, or another qualified professional.

4. No professional advice

BudgetTrail does not assess your personal circumstances and does not recommend products, loans, investments, budgets, repayment plans, or other financial actions. Any summaries, calculations, projections, or remaining balance views are informational only.

5. Accuracy and availability

We aim to provide a useful and reliable app, but BudgetTrail is provided on an "as is" and "as available" basis. We do not guarantee that the app will always be error-free, uninterrupted, secure, or suitable for your particular needs.

6. Data you enter

You are responsible for keeping your device secure and for backing up any data you want to keep. If you delete the app, reset your device, clear app data, or lose access to your device, your BudgetTrail data may be lost.

7. Ads and third-party services

BudgetTrail may display ads or use third-party services such as Google Mobile Ads. Third-party services may operate under their own terms and privacy policies. We are not responsible for third-party services, content, websites, or advertisements.

8. Acceptable use

You agree that you will not:

• Use BudgetTrail for unlawful, harmful, fraudulent, or abusive purposes.
• Attempt to reverse engineer, disrupt, overload, or interfere with the app.
• Copy, modify, sell, rent, or distribute the app except where allowed by law.
• Use the app in a way that infringes another person's rights.

9. Intellectual property

BudgetTrail, including its name, design, code, branding, and app content, is owned by its developer or licensors and is protected by applicable intellectual property laws. You keep ownership of the information that you enter into the app.

10. Limitation of liability

To the fullest extent allowed by law, BudgetTrail and its developer will not be liable for indirect, incidental, special, consequential, or punitive losses, or for loss of data, income, profits, savings, opportunities, or goodwill arising from your use of or inability to use the app.

11. Changes to the app or these terms

We may update BudgetTrail or these terms from time to time. Updated terms will apply from the effective date shown on this page. If you continue to use the app after an update, you accept the updated terms.

12. Governing law

These terms are governed by the laws of South Africa, unless applicable consumer protection laws require otherwise.

13. Contact

If you have questions about these terms, contact us using the support details provided on the app store listing or the website where this page is hosted.