Terms of Service

1. Acceptance of Terms

By accessing and using VisuBudget, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

VisuBudget is a personal budgeting and financial management web application that helps users track their spending power, manage accounts, and organize their finances. The service calculates available spending amounts based on user-provided financial data.

3. User Accounts

Account Creation

• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the security of your account and password
• You must notify us immediately of any unauthorized use of your account
• You must be at least 16 years old to create an account

Account Responsibility

• You are solely responsible for all activities that occur under your account
• You agree to provide accurate financial information for calculations
• You understand that VisuBudget is for personal financial management only

4. Acceptable Use

You agree not to use VisuBudget to:

• Violate any applicable laws or regulations
• Upload or transmit malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Use the service for commercial purposes without permission
• Share your account credentials with others
• Input false or misleading financial information intentionally

5. Financial Disclaimer

• VisuBudget does not provide financial advice or recommendations
• All financial calculations are estimates based on your input
• You should consult with financial professionals for important decisions
• We are not liable for any financial losses resulting from use of our service

6. Subscription and Billing

Free Plan

• Basic features are available at no cost
• Free accounts may have limited functionality
• We reserve the right to modify free plan features

Paid Plans (When Available)

• Subscription fees are billed in advance
• All fees are non-refundable unless required by law
• You may cancel your subscription at any time
• Cancelled subscriptions remain active until the end of the billing period

7. Data and Privacy

• Your financial data belongs to you
• We will protect your data as outlined in our Privacy Policy
• You can export or delete your data at any time
• We may use aggregated, anonymized data for service improvement

8. Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Scheduled maintenance will be announced in advance when possible
• We are not liable for temporary service interruptions

9. Intellectual Property

• VisuBudget and its original content are owned by us
• You retain ownership of your financial data
• You may not copy, modify, or distribute our service
• All trademarks and logos are our property

10. Limitation of Liability

To the maximum extent permitted by law, VisuBudget shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the service.

11. Termination

By You

• You may terminate your account at any time
• Termination is effective immediately
• You can export your data before termination

By Us

• We may terminate accounts that violate these terms
• We will provide 30 days notice for termination without cause
• Terminated users can export their data within 30 days

12. Changes to Terms

We may modify these terms at any time. Material changes will be communicated by email or through the service. Continued use after changes constitutes acceptance of new terms.

13. Governing Law

These terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved in the courts of [Your Jurisdiction].

14. Contact Information

For questions about these Terms of Service, please contact us at:

• Email: support@visubudget.com
• Subject: Terms of Service Inquiry
• Address: [Your Business Address]