Last updated: 2026-07-02
These Terms of Service ("Terms") govern your access to and use of the Bujeto mobile application and related pages (together, the "App"). "We", "us", and "our" mean the operator of the App. By creating an account, or by accessing or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not create an account and do not use the App.
1. Acceptance of these Terms
When you sign up, you are asked to confirm that you agree to these Terms and the Privacy Policy; your account is created only after you do. Your continued use of the App after we post changes (see Section 16) means you accept the updated Terms.
2. Eligibility
The App is not directed to children. You may use the App only if you are at least 13 years old (or at least 16, or the minimum age of digital consent, where a higher age applies under your local law) and are legally able to enter into these Terms. If you are below that age, do not use the App.
3. What Bujeto is — and is not
Bujeto is a personal budgeting and expense-tracking tool. It helps you record your own income and expenses, set your own budgets and category allocations, and view summaries and general educational frameworks (such as the "LIFE" framework — Living / Investing / Fun / Education — and informational "budget health" or surplus indicators) based on the data you enter.
Bujeto is not, and does not act as, a bank, broker, dealer, investment adviser, financial planner, accountant, tax adviser, or any other licensed or regulated financial professional. It does not hold, move, manage, or invest your money, and it does not execute any transactions on your behalf.
4. Not financial, investment, tax, or legal advice
All content in the App — including any frameworks, budget-health or surplus indicators, suggestions, summaries, calculations, templates, articles, tips, or any material relating to budgeting, saving, capital management, or capital deployment — is provided for general informational, educational, and lifestyle purposes only. Such content is, and should be treated as, general education and lifestyle information, not specific, personalized financial advice, and it is not a recommendation or solicitation to buy, sell, or hold any security, product, or investment, or to adopt any particular financial strategy.
The App does not know your full financial situation, objectives, or risk tolerance, and nothing in it is tailored to your individual circumstances. Before making any financial, investment, tax, or other significant decision, you should consult a qualified, appropriately licensed professional. You are solely responsible for your own decisions.
5. No professional or fiduciary relationship
Your use of the App does not create any advisory, fiduciary, professional-client, or similar relationship between you and us. We owe you no fiduciary duty.
6. Use at your own risk
You are solely responsible for the accuracy of the data you enter, for how you interpret and use anything the App shows you, and for any decisions or actions you take. Any reliance you place on the App or its content is strictly at your own risk.
7. Intellectual property and licence to use the App
The App — including its name, logo, design, user interface, layout, graphics, text, source and object code, structure, and all other content we provide (the "App Materials") — is owned by us or our licensors and is protected by copyright, trade mark, and other intellectual-property laws. All rights are reserved.
Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the App for your own personal, non-commercial budgeting. We retain all rights, title, and interest in the App and the App Materials not expressly granted to you.
No copying or cloning. Except where expressly permitted by these Terms or by mandatory applicable law, you may not copy, reproduce, clone, republish, mirror, adapt, translate, modify, create derivative works of, distribute, publicly display, sell, sublicense, or otherwise exploit the App or any App Materials, in whole or in part. This includes copying or imitating the App's name, branding, look and feel, screens, or distinctive design in any other product or service. You may not pass off any part of the App as your own. We do not authorize, and we will not permit, the copying of the App, and we reserve the right to enforce our rights to the fullest extent available under applicable law.
8. Acceptable use
You agree not to: (a) use the App for any unlawful, fraudulent, or harmful purpose; (b) attempt to access accounts or data that are not yours, or to breach or circumvent the App's security or access controls; (c) reverse engineer, decompile, or attempt to extract source code, except to the extent this restriction is prohibited by applicable law; (d) interfere with, disrupt, or place undue load on the App or its infrastructure; (e) resell, redistribute, or commercially exploit the App without our written permission; or (f) use the App in violation of applicable export-control or sanctions laws, or from any jurisdiction where you are barred from doing so.
9. Your account, your data, and deletion
You are responsible for keeping your sign-in credentials secure and for activity under your account. How we handle your data is described in the Privacy Policy, and you can export your data at any time from within the App.
You can delete your account and all associated data at any time — from inside the App (Settings → Profile → Danger Zone) or, if you no longer have the App installed, from our web deletion page. For your protection, web deletion requires you to verify ownership of the account email (via a secure sign-in link) before any data is removed; see the Privacy Policy for details. Deletion is permanent and irreversible.
10. Accuracy and availability — "AS IS"
We work to keep the App useful and reliable, but the App and all content are provided "AS IS" and "AS AVAILABLE", without any guarantee. We do not warrant that the App will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that any calculation, figure, indicator, or other output is accurate, complete, current, or suitable for your purposes. Figures and indicators are derived only from the data you enter and from general assumptions, and may be wrong or out of date.
11. Third-party links, content, and advertising
The App may contain, or in the future may contain, links to or content, products, services, or advertisements from third parties. We do not control, endorse, or assume any responsibility or liability for any third-party products, services, websites, content, or advertising. Accessing or engaging with them is at your own risk and is governed by those third parties' own terms and policies, not ours. Any dealings between you and a third party are solely between you and that third party.
12. Disclaimer of warranties
To the maximum extent permitted by applicable law, we disclaim all warranties, conditions, and representations of any kind, whether express, implied, or statutory, including without limitation any implied warranties or conditions of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, and any warranties arising out of course of dealing or usage of trade. No advice or information, whether oral or written, obtained from the App creates any warranty not expressly stated in these Terms.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you; in that case such warranties are limited to the minimum permitted by law.
13. Limitation of liability
To the maximum extent permitted by applicable law, we, and our service providers and licensors, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your access to or use of (or inability to use) the App, or your reliance on any content, generalized wealth or budgeting guides, frameworks, software features, calculations, indicators, or the accuracy of any data — whether based on warranty, contract, tort (including negligence), or any other legal theory, and whether or not we have been advised of the possibility of such damages.
To the maximum extent permitted by applicable law, our total aggregate liability for all claims relating to the App will not exceed the greater of (a) the total amount you paid us, if any, to use the App in the twelve months before the event giving rise to the claim, or (b) the minimum amount required by applicable law.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law (such as, where applicable, liability for death or personal injury caused by negligence, or for fraud).
14. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold us harmless from any claims, losses, liabilities, and reasonable expenses arising out of your unlawful or wrongful use of the App, or your material breach of these Terms.
15. Changes to the App
We may add, change, suspend, or discontinue any part of the App at any time, without liability to you, to the extent permitted by applicable law.
16. Changes to these Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date above and post the new version at this page. Material changes will be made reasonably prominent. Your continued use of the App after changes take effect means you accept the updated Terms.
17. Termination
You may stop using the App and delete your account at any time (Section 9). We may suspend or terminate your access if you breach these Terms or use the App in a way that could harm other users, us, or third parties.
18. Governing law and disputes
These Terms are governed by the applicable laws of the operator's place of business, without regard to conflict-of-laws rules, except where the mandatory consumer-protection laws of your country of residence give you additional protections that cannot be waived — those continue to apply. Where permitted, disputes will be handled by the competent courts of the operator's place of business; nothing here removes any non-waivable right you have to bring proceedings, or to be sued, in your home jurisdiction.
19. Events beyond our control (force majeure)
We are not liable for any failure or delay in providing the App to the extent caused by events beyond our reasonable control, including failures of third-party hosting, authentication, network, or infrastructure providers, acts of government, or other force-majeure events.
20. Assignment
You may not assign or transfer these Terms. We may assign or transfer these Terms, in whole or in part, to an affiliate or successor (for example, in connection with a merger, acquisition, or sale of assets); your rights under any applicable consumer-protection law are not affected.
21. Notices
We may give you notices by email to the address associated with your account, or by an in-App message. You can reach us using the contact details in Section 24.
22. Severability
If any provision of these Terms is held invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force and effect.
23. Entire agreement
These Terms and the Privacy Policy are the entire agreement between you and us regarding the App, and supersede any prior agreements on that subject.