Terms of Service – OtterBudget

📖 Agreement Overview

Welcome to OtterBudget! By downloading, installing, or using our mobile application, you agree to be bound by these Terms of Service ("Terms"). Please read these Terms carefully before using the app.

If you do not agree to these Terms, please do not use OtterBudget.

      These Terms constitute a legally binding agreement between you ("User") and OtterBudget ("we", "us", or "our").
    

✅ Acceptance of Terms

By accessing or using OtterBudget, you confirm that:

You are at least 13 years of age.
You have read, understood, and agree to be bound by these Terms.
You have the legal capacity to enter into these Terms.
You will use the app only for lawful purposes and in accordance with these Terms.

🦦 Description of Service

OtterBudget is a personal budgeting and expense-tracking application that provides:

Transaction Management

Record, edit, and categorize your daily income and expenses.

Budget Planning

Set monthly spending budgets and track your progress in real time.

Statistical Analysis

View charts and breakdowns of your spending habits by category and time period.

Data Export & Sharing

Export your financial records for personal use and record keeping.

👤 User Responsibilities

As a user of OtterBudget, you agree to:

Provide accurate information when entering financial data.
Maintain the security and confidentiality of your device and app data.
Not use the app for any unlawful or fraudulent purposes.
Not attempt to reverse engineer, modify, or distribute the app or any part thereof.
Not use the app in any way that could damage, disable, or impair its functionality.
Comply with all applicable local, national, and international laws and regulations.

💳 Free Service and Advertising

OtterBudget is provided free of charge. To support continued development and maintenance of the app:

The app displays advertisements powered by Google AdMob.
Ad content is determined by Google based on your device settings and usage.
We do not control the specific ads shown and are not responsible for third-party ad content.

      By using OtterBudget, you consent to the display of advertisements within the application.
    

📊 Data and Financial Information

Local Storage

All your financial data (transactions, budgets, categories) is stored locally on your device. We do not access, transmit, or store your personal financial records on our servers.

Accuracy Disclaimer

OtterBudget is a personal expense tracking tool only. It is not financial advice. We make no warranties about the accuracy or completeness of any financial calculations or recommendations within the app.

Data Loss

We strongly recommend regularly backing up your data. We are not liable for any data loss due to device failure, app reinstallation, or other unforeseen circumstances.

🛡️ Intellectual Property

OtterBudget and all associated intellectual property, including but not limited to the app design, code, graphics, icons, and brand elements, are owned by us and protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, or create derivative works based on OtterBudget without our prior written consent.
The OtterBudget name, logo, and related marks are our trademarks.

⚠️ Disclaimers and Limitation of Liability

Disclaimer of Warranties

OtterBudget is provided "as is" and "as available" without warranties of any kind, express or implied.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of OtterBudget, including:

Loss of data or corruption of files
Financial decisions made based on app data
Service interruptions or technical errors

🔄 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last Updated" date. Continued use of the app after changes constitutes acceptance of the new Terms.

🚫 Termination

We reserve the right to terminate or suspend access to OtterBudget at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Upon termination, you may delete the app from your device. All locally stored data will be removed when you uninstall the app.

📧 Contact Us

If you have any questions about these Terms of Service, please contact us:

✉️ Contact Support

We typically respond within 24–48 hours.