By downloading, accessing, or using Actual Budget Savings Tracker ("App"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the App.
2. Description of Service
Actual Budget Savings Tracker is a personal finance management application that helps users:
Track income and expenses
Set and monitor budgets
Establish savings goals
View financial insights
Manage multiple currencies
Receive smart notifications to stay on track
All data is stored in your personal iCloud account via Apple's CloudKit service.
3. Subscription Plans and Billing
Available Plans:
Weekly: $3.99/week (includes 3-day free trial)
Yearly: $24.99/year (best value - save 87%)
Lifetime: $59.99 (one-time payment)
Free Tier Limitations:
5 daily expense entries
Basic categories only
Limited analytics
Payment Terms:
All purchases are processed through the Apple App Store
Subscriptions automatically renew unless canceled
Cancel anytime through your Apple ID account settings
No refunds for partial billing periods
4. User Responsibilities
You are responsible for:
Maintaining the security of your device and iCloud account
All activities that occur under your account
Ensuring the accuracy of your financial data
Backing up your data regularly
Complying with all applicable laws and regulations
5. Acceptable Use
You agree not to:
Use the App for any illegal purposes
Attempt to reverse engineer or hack the App
Share subscription access with others
Use the App in any way that could damage or overload our systems
Violate any applicable laws or regulations
6. Notifications
The App provides optional local notifications to help you manage your finances effectively:
All notifications are processed locally on your device
No notification data is sent to external servers
You must grant permission for notifications to work
You can customize or disable notifications at any time
Notification types include: weekly summaries, bill reminders, budget alerts, and savings milestones
By enabling notifications, you agree to receive these alerts based on your preferences.
7. Data and Privacy
Your use of the App is also governed by our Privacy Policy. Key points:
All data is stored in your private iCloud container
We do not access, view, or store your personal data
Data is encrypted by Apple's platform-level security
You control all your data through iCloud settings
8. Intellectual Property
The App and its original content, features, and functionality are owned by DevOrbitLabs and are protected by international copyright, trademark, and other intellectual property laws.
9. Disclaimer of Warranties
The App is provided "as is" without any warranties, expressed or implied. We do not warrant that:
The App will function uninterrupted or error-free
All defects will be corrected
The App will meet your specific requirements
The financial calculations will be 100% accurate in all scenarios
10. Limitation of Liability
To the maximum extent permitted by law, DevOrbitLabs shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the App.
11. Financial Advice Disclaimer
Important: Actual Budget Savings Tracker is a tool for personal finance management. It does not provide financial, investment, tax, legal, or accounting advice. You should consult appropriate professionals for advice specific to your situation.
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of any material changes through the App or via email. Your continued use of the App after changes constitutes acceptance of the new Terms.
13. Termination
We may terminate or suspend your access to the App immediately, without prior notice, for any reason, including breach of these Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.