Terms of Service

8udget is a personal finance app that helps you manage your money. Our service includes various tools and features to help users track expenses, create budgets, and manage their financial goals.

In order to use our service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account information and password
• All activity that occurs under your account
• Notifying us immediately of any unauthorized use of your account or password
• Any other breach of security

You are solely responsible for the data and content that you create and store in our service. You retain all rights to your content, but by using our service, you grant us a non-exclusive, royalty-free license to use, process, and store your content solely in connection with providing our service.

You agree not to use our service for any unlawful purpose or in any way that violates these Terms. Prohibited activities include, but are not limited to:

• Using the service for any illegal activities
• Attempting to gain unauthorized access to our service or systems
• Interfering with the operation of our service
• Using the service to store or transmit malicious code
• Attempting to probe, scan, or test the vulnerability of our system

We may charge fees for certain features or services offered on our platform. By using these features or services, you agree to:

• Pay all applicable fees
• Provide current, complete, and accurate payment information
• Promptly update your payment information if it changes

Payment Platforms

Payments are processed through RevenueCat and vary by platform:

• Web, Windows, Linux: Processed via Stripe
• iOS and macOS: Processed via Apple's In-App Purchase system (subject to Apple's Terms of Service)
• Android: Processed via Google Play's In-App Billing (subject to Google Play's Terms of Service)

For App Store and Play Store purchases, refunds and subscription management are subject to Apple's and Google's respective policies.

We reserve the right to change our fees at any time with prior notice to our users.

Our service is provided "as is" and without warranty of any kind. We make no representations or warranties of any kind, express or implied, regarding:

• The operation of our service
• The information, content, materials, or products included
• The accuracy or reliability of any information provided
• The service meeting your specific requirements
• The accuracy of data extracted by AI features, such as receipt scanning and bank statement import

AI features can make mistakes. You are responsible for reviewing and verifying transactions imported by AI before you rely on them.

To the maximum extent permitted by law, 8udget shall not be liable for any:

• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or data use
• Business interruption
• Any other damages arising out of or in connection with your use of our service

Our total liability to you for all claims arising out of or relating to the service shall not exceed the fees you paid to us in the 12 months before the claim arose. Nothing in these Terms limits liability that cannot be limited under applicable law, including your rights under mandatory consumer protection laws.

We reserve the right to:

• Terminate your access to our service at any time
• Cancel your subscription or account
• Remove or edit your content
• Take these actions without notice and without liability

We reserve the right to modify these Terms at any time. We will notify users of any material changes via email or through our service. By continuing to use our service after we post any modifications, you agree to be bound by the revised Terms.

These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.

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

• By email: help@8udget.my