1. Who can use bud
You must be at least 16 years old to use bud. By using bud you confirm that you meet this requirement.
2. What bud does
bud is an offline-first personal finance tracking application. It allows you to manually record accounts, transactions, budgets, and savings goals on your own device. bud does not connect to any bank or financial institution and does not move money on your behalf. Features may change over time; we will give reasonable notice of material changes.
3. Your account and your data
Your financial data belongs to you. You can export it at any time via Settings → Export (CSV). You can delete your account and all associated server-side data at any time via Settings → Delete Account. You are responsible for maintaining the security of your login credentials.
4. Your responsibility for your data
bud is a manual entry tool. You are responsible for the accuracy of entries and for exporting backups (Settings → Export CSV). To the maximum extent permitted by applicable law, we are not liable for data loss arising from device failure, OS upgrades, app uninstalls, or your failure to maintain backups.
5. No professional advice
bud is an organisational tool only. Nothing in bud or in any communication from Digitau OÜ constitutes financial, investment, legal, or tax advice. Consult a qualified professional before making financial decisions.
6. Acceptable use
You agree not to:
- Use bud for any unlawful purpose or in violation of applicable law;
- Attempt to access another user’s account or data;
- Scrape, probe, or stress-test the sync infrastructure;
- Reverse-engineer, decompile, or disassemble bud except as permitted by law;
- Use bud to store or transmit malicious code.
7. Premium subscriptions
Premium is an auto-renewing subscription. The current price and billing period are displayed inside the App Store or Google Play at the point of purchase. Payment is processed and managed entirely by Apple or Google — Digitau OÜ does not process payment card data. You can cancel at any time through your device’s subscription settings. App Store and Google Play terms govern billing, refunds, and cancellation. Cancellation takes effect at the end of the current billing period; no partial refunds are issued for unused time.
8. Third-party services
bud relies on Supabase (data sync), PowerSync (offline sync), Sentry (crash reporting), RevenueCat (subscription management), and Apple App Store / Google Play (distribution and billing). Your use of these services is subject to their respective terms.
9. Intellectual property
bud, including its design, code, and branding, is owned by Digitau OÜ. We grant you a limited, non-exclusive, non-transferable, revocable licence to use bud for your personal, non-commercial purposes in accordance with these Terms. No other rights are granted. Feedback or suggestions you send us may be used by us without obligation or compensation.
10. Privacy
Our Privacy Policy explains how we collect and use your personal data and is incorporated into these Terms by reference.
11. Disclaimers
bud is provided “as is” and “as available” without warranty of any kind. We do not warrant that bud will be error-free, uninterrupted, or accurate. To the maximum extent permitted by applicable law, we disclaim all express and implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
12. Limitation of liability
To the maximum extent permitted by applicable law, Digitau OÜ’s total liability to you for any claim arising from these Terms or your use of bud shall not exceed the greater of (a) EUR 50 or (b) the amount you paid to Digitau OÜ in the 12 months preceding the claim. In no event shall Digitau OÜ be liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits or data, even if advised of the possibility of such damages.
Nothing in this section limits liability that cannot be limited under applicable law (including liability for gross negligence, wilful misconduct, or death and personal injury caused by negligence).
13. Indemnity
You agree to indemnify, defend, and hold harmless Digitau OÜ and its officers, directors, employees, and agents from any claim, liability, damage, loss, and expense (including reasonable legal fees) arising out of your violation of these Terms or applicable law.
14. Termination
You may stop using bud at any time. You can delete your account from Settings → Delete Account. We may suspend or terminate access to bud if you violate these Terms, with or without notice. Sections 4, 5, 9, 11, 12, 13, and 16–18 survive termination.
15. Notice of claim — 30 days
Before initiating any dispute (regardless of jurisdiction), you must send written notice to legal@bud.digitau.eu describing the claim and the relief sought. We have 30 days from receipt of the notice to attempt resolution before any formal proceeding is initiated.
16. Dispute resolution — United States residents
Read this section carefully — it affects your legal rights.
If you reside in the United States, any dispute, claim, or controversy arising out of or relating to these Terms or your use of bud shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in the state where you reside or by videoconference. The arbitrator — not any court — has exclusive authority to resolve disputes about the interpretation, applicability, or enforceability of this clause.
Class-action waiver. You and Digitau OÜ each waive any right to assert any claim against the other on a class, consolidated, collective, or representative basis. Either party may bring an individual claim in small-claims court instead of arbitration, provided the dispute remains in that court and proceeds on an individual basis.
Opt-out. You may opt out of this arbitration agreement by emailing legal@bud.digitau.eu with subject line “Arbitration opt-out” within 30 days of first creating your bud account. Your opt-out will not otherwise affect these Terms.
17. EU, UK and EEA consumer rights — carve-out
If you are a consumer resident in the European Union, the United Kingdom, or the European Economic Area, nothing in these Terms limits or excludes statutory rights you have under mandatory law, including but not limited to EU Directive 2011/83/EU (Consumer Rights), EU Directive 93/13/EEC (Unfair Contract Terms), the Estonian Law of Obligations Act, and the UK Consumer Rights Act 2015. Section 16 (US arbitration) does not apply to you. Where any clause of these Terms is found unenforceable against you under mandatory consumer law, the remainder remains in force.
18. Governing law and forum (non-US users)
For users outside the United States, these Terms are governed by the laws of the Republic of Estonia. Disputes shall be submitted to the exclusive jurisdiction of the courts of Tallinn, Estonia, except where mandatory consumer protection law in your jurisdiction provides otherwise. EU consumers may also use the European Commission’s online dispute resolution platform: https://ec.europa.eu/consumers/odr.
19. Changes to these Terms
We may update these Terms from time to time. If we make material changes, we will notify you via the app or by email at least 14 days before the new Terms take effect. Continued use of bud after the effective date constitutes acceptance of the updated Terms. If you object to a change, your remedy is to delete your account before the effective date.
20. Contact
Digitau OÜ · Tallinn, Estonia · legal@bud.digitau.eu