Terms of Service

Last updated: June 7, 2026

These Terms of Service ("Terms") govern your access to and use of BudgeFlow, including our website, applications, SMS services, and related products and services. By accessing or using BudgeFlow, you agree to these Terms.

Eligibility

You must be at least 18 years old or otherwise legally capable of entering into a binding agreement to use BudgeFlow.

Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

You agree to provide accurate, complete, and current information when creating and maintaining your account.

Subscription Billing

Some BudgeFlow features require a paid subscription. Subscription fees are billed in advance and automatically renew unless canceled before the next billing date.

You may cancel your subscription at any time. Access to paid features continues until the end of the current billing period.

SMS Terms & Conditions

By providing your mobile phone number and opting in to receive SMS messages, you consent to receive text messages from BudgeFlow.

Messages may include:

• Account notifications
• Budgeting reminders
• Transaction alerts
• Income and expense notifications
• Subscription and billing notifications
• Customer support communications
• Marketing and promotional messages when consent is provided

Message frequency may vary.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to any message.

You may request assistance at any time by replying HELP to any message.

After replying STOP, you may receive one final confirmation message confirming your opt-out request.

Consent to receive SMS messages is not a condition of purchase.

For information about how BudgeFlow collects, uses, and protects your information, please review our Privacy Policy.

Acceptable Use

You agree not to:

• Use BudgeFlow for unlawful or fraudulent activities.
• Interfere with or disrupt the operation of the service.
• Attempt to gain unauthorized access to systems, accounts, or data.
• Scrape, copy, or harvest data belonging to other users.
• Abuse, spam, or misuse BudgeFlow SMS services.
• Transmit harmful, malicious, or unlawful content.

Financial Disclaimer

BudgeFlow is a budgeting and financial organization platform only. BudgeFlow does not provide financial, tax, accounting, legal, investment, or professional advice.

Intellectual Property

BudgeFlow, including its software, branding, content, designs, and features, is protected by intellectual property laws and remains the property of BudgeFlow and its licensors.

Disclaimer of Warranties

BudgeFlow is provided on an "AS IS" and "AS AVAILABLE" basis. We do not guarantee uninterrupted, error-free, or completely secure access to the service.

Limitation of Liability

To the fullest extent permitted by law, BudgeFlow shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of the service.

Termination

We may suspend or terminate access to BudgeFlow if you violate these Terms, misuse the service, or create risk for BudgeFlow or other users.

Changes to These Terms

We may update these Terms from time to time. Updated versions will be posted on this page with a revised "Last updated" date.

Contact Us

Questions about these Terms? Contact us.

Website: https://budgeflow.com