Budget Buddy

Terms of Use

The agreement between you and us when you use Budget Buddy, including the Premium subscription. These terms are also the app’s end user licence agreement (EULA).

Effective 2 November 2026. Last updated 2 November 2026.

Who provides the app

Budget Buddy is provided by Domen Dolanc, who publishes apps as SmartLifeUtils from Slovenia, in the European Union. In these terms, “we” and “us” mean him, and “you” means the person using the app.

You can reach us at smartlife.utilities@gmail.com.

Accepting these terms

By downloading, installing or using Budget Buddy, you agree to these terms. How information is handled is explained in the Privacy Policy, and Your data gives a shorter overview. Please don’t use the app unless you agree to these terms.

You must be old enough to enter into a contract where you live, or use the app with the permission of a parent or guardian. Buying Premium also requires that your store account allows purchases.

Your licence to use the app

We give you a personal, non-exclusive, non-transferable and revocable licence to install and use Budget Buddy on devices you own or control, for your own personal use. The app is licensed to you, not sold.

For copies downloaded from Apple’s App Store, Apple’s Licensed Application End User License Agreement (the Standard EULA) also applies. For copies downloaded from Google Play, the Google Play Terms of Service also apply. These terms add to the store’s terms and don’t replace them.

App Store downloads

For copies downloaded from the App Store, you and we also agree that:

  • these terms are between you and us, not Apple, and we, not Apple, are responsible for the app and its content;
  • Apple has no obligation to provide maintenance or support for the app;
  • should the app fail to meet a warranty that applies, you may notify Apple, and Apple will refund the purchase price, if any; to the extent the law allows, Apple has no other warranty obligation for the app;
  • we, not Apple, are responsible for handling claims relating to the app, such as product liability claims, claims that it fails to meet a legal or regulatory requirement, consumer protection claims and intellectual property claims;
  • you are not located in a country subject to a U.S. government embargo, and you are not on a U.S. government list of prohibited or restricted parties;
  • Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

A tracking tool, not advice

Budget Buddy is a tool for recording and organising your own spending, income, budgets and savings goals. It does not give financial, tax, legal or investment advice, and nothing in it is a recommendation to make a financial decision.

The app does not connect to your bank. Balances and totals in the app are based only on what you entered and may differ from your bank’s records.

Figures that are estimates

Some figures in the app are estimates worked out from your entries: the balance forecast in Plan ahead, Left to spend today, what is left in a budget, saving plans and pace estimates for goals, subscription suggestions and price-rise notes, and amounts converted to another currency. They depend on the data you entered and on assumptions that may turn out wrong.

Currency rates come from the European Central Bank through frankfurter.dev. They are published once per working day and may differ from the rate your bank or card provider charges. Check figures that matter before you rely on them.

Your data and backups

Everything you enter is stored on your device. We never receive it, so we can’t restore it when it is lost, for example after the app is deleted, a phone is lost or reset, or the data on the device is damaged.

You are responsible for keeping backups, using the app’s backup feature or your phone’s own backup. Before you delete all data or load a backup over your current data, make sure you have a copy you can go back to.

Premium subscription

Premium is an optional subscription. It removes the ads and the limits of the free version and unlocks extra features, as described on the Premium page and in the app.

  • Price and payment. Premium is a yearly subscription that renews automatically. The price, in your local currency and with any taxes, is shown in the App Store or Google Play before you confirm. Payment is charged to your Apple ID or Google account when you confirm the purchase.
  • Renewal. The subscription renews for another year unless you cancel it at least 24 hours before the end of the current period. Your account is charged for the renewal within the 24 hours before the period ends. Price changes are announced by the store under its rules, which may ask for your agreement.
  • Trials and offers. When the store offers a free trial or an introductory price, its terms are shown before you confirm. Any unused part of a free trial ends when you buy a subscription.
  • Managing and cancelling. Manage or cancel the subscription in your store account: on iPhone in Settings, your name, Subscriptions; on Android in Google Play, Payments and subscriptions. Deleting the app does not cancel the subscription. After you cancel, Premium stays active until the end of the period you paid for.
  • Refunds. Apple or Google process the payment, so refund requests go to them under their refund policies. We can’t issue refunds ourselves. This doesn’t limit any rights you have under consumer law.
  • Restoring. To get Premium back on a new phone or after reinstalling, sign in to the same store account and use Restore purchases on the Premium screen.
  • Changes to features. We may change what the free version includes, including its features and limits, for example in an update. Premium features you have paid for stay available to you until the end of the subscription period you paid for.

Ads in the free version

The free version shows ads from Google AdMob. The ads come from third parties, and we don’t endorse the products or services they advertise. Tapping an ad takes you to services that have their own terms. How ad data is handled is explained in the Privacy Policy. Premium removes the ads.

Acceptable use

When you use Budget Buddy, you agree not to:

  • copy, modify, sell or distribute the app, except as the law allows;
  • reverse engineer or decompile the app, except where the law allows this despite this restriction;
  • get around Premium, the ads or the limits of the free version;
  • use the app for anything unlawful, including fraud;
  • interfere with the app or with the services it connects to.

Intellectual property

The app, including its design, text, icons, artwork and code, belongs to us or our licensors and is protected by copyright and other laws. The Budget Buddy and SmartLifeUtils names and logos are ours. These terms give you no rights to them beyond the licence described above. The app includes open-source software, which is licensed under its own terms.

What you enter in the app is yours.

Third-party services

The app works with these services, each under its own terms and privacy policy:

  • Google AdMob, which shows the ads in the free version;
  • the App Store and Google Play, which sell and bill Premium;
  • frankfurter.dev, which supplies currency rates.

We are not responsible for these services. One of them may change or stop, which can affect a feature such as currency rates.

Availability and updates

We may release updates that add, change or remove features. Some updates may be needed to keep using the app or Premium. We work to keep the app running well, but we don’t promise that it will always be available, free of errors or supported on every device and system version. We may stop offering the app.

Where you are a consumer, the app and Premium will match the description given to you and work as the law requires during the period you paid for. Your legal rights apply when they don’t.

Disclaimer and liability

Nothing in these terms excludes or limits the rights you have under the mandatory consumer protection laws of the country where you live. In the EU, this includes the legal guarantee that digital content and services conform to the contract. Where those laws apply, they take priority over this section.

Within those limits, and to the extent the law allows:

  • the app is provided as it is and as available, without promises beyond those in these terms;
  • we don’t guarantee that calculations, forecasts, estimates and currency rates are accurate or complete;
  • we are not liable for indirect or consequential loss, such as lost profits, for decisions you make based on figures in the app, or for loss of data that was not backed up;
  • our total liability to you is limited to the amount you paid for Premium in the 12 months before the claim.

We do not exclude or limit our liability for death or personal injury caused by our negligence, for fraud, for damage caused intentionally or through gross negligence, or for anything else that cannot be excluded or limited by law.

Ending these terms

You can stop using the app at any time by deleting it. Deleting the app doesn’t cancel Premium, which you cancel in your store account.

We may end your licence when you seriously break these terms. When the licence ends, you must stop using the app. The sections on intellectual property, liability and governing law continue to apply.

Governing law

These terms are governed by the law of the Republic of Slovenia, excluding its conflict of law rules and the UN Convention on Contracts for the International Sale of Goods. As a consumer, you keep the protection of the mandatory laws of the country where you live, and you may bring a claim in the courts there. Otherwise, the competent courts of Slovenia decide disputes.

Please write to us first when something goes wrong. Most problems can be sorted out by email.

Changes to these terms

We may update these terms, for example when the app or the law changes. The date at the top shows the current version. For significant changes, we will give notice on this page or in the app’s release notes before they take effect. Continuing to use the app after a change means you accept the updated terms. A change doesn’t take away Premium features during a period you have already paid for.

General

Should a court find part of these terms invalid, the rest still applies. Not enforcing a term straight away doesn’t mean we give up the right to enforce it later. These terms, together with the Privacy Policy and the terms of the store you downloaded from, are the whole agreement between you and us about the app.

Contact

Domen Dolanc, SmartLifeUtils, Slovenia
smartlife.utilities@gmail.com

See also the Privacy Policy and Your data.