1. Who We Are
MyAutoBudget (\"the Service\") is operated by Josh Jones, an independent software developer based in Arizona, United States (\"we,\" \"us,\" or \"our\"). We are not a registered financial institution, licensed financial advisor, or fiduciary. MyAutoBudget is not a bank and does not provide FDIC or similar deposit insurance. Funds held in your own bank accounts remain subject to your bank's terms and protections. You can reach us at support@myautobudget.com. We currently provide support by email only.
2. Acceptance of Terms
By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service. We will notify you of material changes by email or by a prominent notice within the Service at least 14 days before they take effect. Continuing to use the Service after that notice period constitutes acceptance of the updated Terms.
3. Service Description
MyAutoBudget is a personal budgeting tool that helps you track accounts, income, bills, and spending allocations. The Service may include automated calculations, projections, and reports derived from data you provide. It optionally integrates with Plaid to retrieve account balances, transaction data, and certain account metadata from financial institutions through Plaid.
4. Beta Status
The Service is currently in public beta. During the beta period the Service is provided free of charge. We may introduce paid plans in the future, and if we do, we will give existing users at least 30 days' advance notice and will not charge you without your affirmative consent.
5. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement. By creating an account you represent that you meet these requirements.
6. Account Responsibilities
You are responsible for keeping your login credentials confidential and for all activity under your account. You agree to notify us promptly at support@myautobudget.com if you suspect unauthorized access.
7. No Financial Advice
The Service is an informational tool only. Nothing in the Service constitutes financial, investment, tax, legal, or other professional advice. All calculations, projections, allocations, and reports are estimates and may contain inaccuracies, rounding differences, or errors. You should independently verify any figures before making financial decisions and consult a qualified professional where appropriate.
8. Accuracy Disclaimer
We do not guarantee that any calculation, projection, estimate, or report produced by the Service is accurate, complete, or current. Data you enter may be processed through automated formulas and heuristics that can produce incorrect or misleading results. The Service may also rely on third-party data sources (such as Plaid bank feeds) that may themselves contain errors, omissions, or delays. You acknowledge that any reliance you place on the output of the Service is at your own risk.
9. Limitation of Liability
To the fullest extent permitted by the laws of Arizona, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising out of your use of — or inability to use — the Service, even if advised of the possibility of such damages.
Our total aggregate liability for any claims arising under these Terms shall not exceed the greater of (a) the amount you have actually paid us in the twelve months preceding the claim, or (b) fifty US dollars ($50). This cap applies regardless of the legal theory and even if the above remedies fail of their essential purpose.
10. Disclaimer of Warranties
The Service is provided \"as is\" and \"as available\" without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.
11. Your Data
You retain full ownership of all data you enter into MyAutoBudget. By using the Service you grant us a limited license to store and process your data as necessary to provide, maintain, secure, and improve the Service and its features for you, consistent with our Privacy Policy. We will not sell, rent, or share your data with third parties for marketing purposes. See the Privacy Policy for full details on how we handle your information.
12. Acceptable Use
You agree not to: attempt to gain unauthorized access to other users' data or our infrastructure; use the Service for any unlawful purpose; reverse-engineer, decompile, or disassemble the Service; or transmit malware or disruptive code.
13. Indemnification
You agree to indemnify and hold harmless MyAutoBudget and its operator from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your use of the Service or your violation of these Terms, except to the extent caused by our own negligence or willful misconduct.
14. Service Availability and Changes
We may modify, suspend, or discontinue features of the Service. For material changes that reduce functionality you currently rely on, we will make reasonable efforts to provide at least 14 days' notice. Routine maintenance, security patches, and minor improvements may be deployed without advance notice.
15. Termination
Either party may terminate this agreement at any time. You may stop using the Service and request deletion of your account. We may suspend or terminate your access if you violate these Terms or if continued provision of the Service to you becomes impractical. If we terminate your account without cause, we will make reasonable efforts to give you at least 14 days' notice and an opportunity to export your data. Sections 7 through 13 and 16 through 20 survive termination.
16. Governing Law and Disputes
These Terms are governed by the laws of the State of Arizona, United States, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be resolved in the state or federal courts located in Maricopa County, Arizona. Both parties consent to the personal jurisdiction of those courts.
17. Severability
If any provision of these Terms is found unenforceable, the remaining provisions continue in full force. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its original intent.
18. Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and MyAutoBudget regarding use of the Service and supersede all prior agreements.
19. Translation
These Terms may be available in languages other than English. In the event of any conflict or inconsistency between a translated version and the English version, the English version shall control.
20. Contact
Questions about these Terms can be sent to support@myautobudget.com.