Terms of Service

1. Acceptance of Terms

Welcome to Wellness Budget. By accessing or using our website, mobile application, or services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). These Terms apply to users in the United States (including California) and Australia. If you do not agree to these Terms, please do not use the Service.

2. Description of Service

Wellness Budget provides financial wellness and budgeting tools through our platform. Our Service allows users to track expenses, set budgets, and manage their financial health. We may modify, suspend, or discontinue any aspect of the Service at any time, including the availability of any feature or content. The Service is available to users in the United States (including California) and Australia.

3. User Accounts

To use certain features of the Service, you must register for an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and update your information to keep it accurate, current, and complete
  • Maintain the security of your account credentials
  • Accept responsibility for all activities that occur under your account
  • Be at least 18 years of age or the age of majority in your jurisdiction (United States, California, or Australia), whichever is older

4. User Responsibilities

You agree to:

  • Use the Service only for lawful purposes
  • Not use the Service to violate any laws or regulations of the United States, California, or Australia
  • Not interfere with or disrupt the Service or servers
  • Not attempt to gain unauthorized access to any portion of the Service
  • Not use the Service to collect or harvest any information from the Service
  • Comply with all applicable laws in your jurisdiction (United States, California, or Australia), including but not limited to privacy laws and financial regulations

5. Financial Information

By using our Service, you may choose to provide access to your financial accounts and information. You acknowledge that:

  • You are responsible for the accuracy of all information you provide
  • We may use third-party services to access your financial information
  • We are not responsible for any errors or delays in financial information provided by third parties
  • You should verify all financial information before making decisions based on it
  • We comply with applicable financial regulations in both the United States (including California) and Australia

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Wellness Budget and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws, including but not limited to the laws of the United States (including California) and Australia.

7. Limitation of Liability

To the maximum extent permitted by law in both the United States (including California) and Australia, Wellness Budget shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranty of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, timely, secure, or error-free. Some jurisdictions in the United States, California, and Australia do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

9. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease. This applies to all users in the United States (including California) and Australia.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Changes will be effective for all users in the United States (including California) and Australia.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of California.

For users in Australia, these Terms shall also be governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

12. Contact Information

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

Email: [email protected]

For users in Australia, you may also contact:

Australian Office of the Australian Information Commissioner (OAIC):
Website: oaic.gov.au
Phone: 1300 363 992
Mail: GPO Box 5218, Sydney NSW 2001

For California residents, you may also contact:

California Department of Financial Protection and Innovation:
Website: dfpi.ca.gov
Phone: (866) 275-2677
Mail: 300 South Spring Street, Suite 15513, Los Angeles, CA 90013