Terms of Service

Last updated: September 7, 2026

These Terms of Service ("Terms") govern your access to and use of Budget Pilot (the "Service," "we," "us," or "our"). By creating an account, accessing, or using Budget Pilot, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Service.

1. What Budget Pilot Is

Budget Pilot is a personal and household budgeting and financial tracking tool. It enables you to organize accounts and transactions — entered manually, imported via file, or automatically retrieved from your financial institutions through an authorized third-party account-linking partner (see Section 3) — set budgets, plan debt payoffs, and generate internal financial statements (such as income statements, balance sheets, and cash flow statements) from your own data.

2. Eligibility

You must be at least 18 years old and possess the legal capacity to form a binding contract under the laws of the State of Arizona and your jurisdiction to create an account and use Budget Pilot.

3. Third-Party Financial Aggregation and Plaid

Budget Pilot offers an optional bank-linking feature that automatically retrieves account balances and transaction history from your financial institutions, instead of requiring you to enter or import that data by hand. This feature is provided through our third-party service provider, Plaid Inc. ("Plaid"). By choosing to link a financial account, you agree to the following:

• Authorization and Agency: You grant Budget Pilot and Plaid the right, power, and authority to act on your behalf to access, retrieve, and transmit your personal and financial information (including balances, transaction history, and account details) from the relevant financial institution.
• Plaid's Own Policies: You agree that your personal and financial information will be transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.
• No Credential Access: You enter your online banking credentials directly through Plaid's own secure interface (Plaid Link). Budget Pilot never receives, views, transmits, or stores your banking usernames, passwords, PINs, or multi-factor authentication codes.
• Data Accuracy, Continuity & Non-Affiliation: Budget Pilot relies on data supplied by your financial institutions and by Plaid. We do not warrant that these data feeds will be uninterrupted, error-free, timely, or complete, and we are not responsible or liable for sync failures, delayed transaction posting, pending-status changes, inaccurate balances, or account-access issues occurring at your financial institution or at Plaid. Budget Pilot is not endorsed by, affiliated with, or sponsored by any bank, credit union, or other financial institution linked through the Service.
• Not a Consumer Report: Data retrieved via Plaid is used exclusively to provide household budgeting and financial-tracking features within Budget Pilot. It is not used, evaluated, or furnished as a "consumer report" under the Fair Credit Reporting Act (FCRA), and must not be relied upon for creditworthiness, employment, tenant-screening, or similar eligibility determinations.
• Disconnecting a Linked Account: You may unlink any connected financial account at any time from within the Service. Doing so revokes Budget Pilot's and Plaid's access to that account at the institution; it does not retroactively remove transactions already saved to your Household workspace, which remain until you delete them yourself. You can also view, manage, or revoke access to your connected institutions directly, at any time, through the Plaid Portal. See our Privacy Policy for more detail.

You agree that Plaid is an intended third-party beneficiary of this Section 3, with the right to enforce its provisions directly against you.

4. Your Account and Household Workspace

• Account Security: You are responsible for maintaining the confidentiality of your login credentials and are fully responsible for all activities occurring under your account.
• Household Workspaces: A "Household" is a shared workspace. Any member who accepts an invite or joins your Household will have full visibility and editing capabilities for all financial data entered within that workspace, including any account you link via Plaid — once linked, that account's synced balances and transactions are visible to every Household member the same as a manually entered one. You are solely responsible for managing whom you invite into your Household.
• Workspace Administration: The user who initiates and creates a Household is deemed the primary administrator. In the event of a dispute among Household members, we reserve the right (but have no obligation) to rely on the directions of the primary administrator or require separate accounts.
• Accurate Information: You agree to provide true, accurate, and current information when registering your account.

5. Data Ownership & Limited License

• Your Data: You retain full ownership of all financial records, transaction histories, notes, and information you submit, paste, upload, or link into Budget Pilot ("User Data"). We do not claim any proprietary rights over your data.
• License to Operate: You grant us a non-exclusive, worldwide, royalty-free license to store, process, reformat, and display your User Data strictly as necessary to provide, maintain, and support the Service for you and your Household.
• Data Integrity: You acknowledge that Budget Pilot performs calculations based on raw numbers you provide or that are retrieved on your behalf via Plaid; we do not independently verify, audit, or reconcile your underlying financial records.

See our Privacy Policy for how we handle your data.

6. Subscriptions, Billing, and Payments

• Paid Subscriptions & Renewals: Budget Pilot offers paid subscription tiers (as well as optional free access or trial periods). If you purchase a subscription, payment processing is handled by our third-party billing provider, Stripe, Inc. ("Stripe"). By subscribing, you authorize Budget Pilot and Stripe to automatically charge your designated payment method on a recurring monthly or annual basis until canceled.
• Cancellation & Access: You may cancel your subscription at any time through your in-app billing settings. Cancellation takes effect at the conclusion of your current billing period; you will retain access to your paid tier features until that period ends. Unless required by law, subscription payments are non-refundable and we do not provide prorated refunds for partial billing periods.
• Taxes: Subscription fees do not include applicable state, local, or federal sales taxes, transaction privilege taxes, or value-added taxes (VAT). You are responsible for all applicable taxes associated with your purchase, which will be calculated and collected at checkout based on your billing address.
• Price Adjustments: We reserve the right to modify subscription pricing at any time. Any price changes will be communicated with reasonable advance notice, allowing you an opportunity to cancel prior to the new rates taking effect.

7. Acceptable Use Policy

You agree that you will not:

1. Use the Service for any unlawful, fraudulent, or malicious purpose.
2. Attempt to bypass database row-level security or access another user's or household's data without authorization.
3. Decompile, reverse engineer, disassemble, or attempt to extract the source code of the Service.
4. Upload or store data that infringes upon the privacy, intellectual property, or legal rights of any third party.
5. Interfere with, overload, or disrupt the integrity or performance of the Service, servers, or infrastructure.

8. Service Availability and Modifications

We strive to maintain high availability and reliability, but we do not guarantee continuous, uninterrupted, or error-free operation — including of data feeds supplied by Plaid or your financial institutions. We reserve the right to update, modify, suspend, or discontinue features of the Service at any time with reasonable notice where practical.

9. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, BUDGET PILOT IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT CALCULATIONS, FINANCIAL METRICS, OR PROJECTIONS WILL BE COMPLETELY ACCURATE, SECURE, OR RELIABLE, NOR DO WE WARRANT THE CONTINUOUS AVAILABILITY, TIMELINESS, OR ACCURACY OF DATA PROVIDED BY PLAID OR ANY LINKED FINANCIAL INSTITUTION.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

1. NO CONSEQUENTIAL DAMAGES: IN NO EVENT SHALL BUDGET PILOT, ITS OPERATOR, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, GOODWILL, WORK STOPPAGE, OR FINANCIAL LOSSES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING ANY SYNC FAILURE, DELAY, OR INACCURACY IN DATA SUPPLIED BY PLAID OR A LINKED FINANCIAL INSTITUTION.
2. AGGREGATE MONETARY CAP: OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE, UNDER ANY LEGAL OR EQUITABLE THEORY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO BUDGET PILOT IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) FIFTY UNITED STATES DOLLARS ($50.00 USD).

11. Indemnification

You agree to defend, indemnify, and hold harmless Budget Pilot, its operator, contributors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) any User Data you upload, transmit, or link via a third-party account-linking partner; (c) disputes between members of your Household; or (d) your violation of any third-party rights or applicable laws.

12. Dispute Resolution, Governing Law & Class Action Waiver

• Governing Law: These Terms and any disputes arising out of or related to your use of Budget Pilot shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict-of-law principles.
• Exclusive Venue: Any legal action, suit, or proceeding arising under or relating to these Terms shall be instituted exclusively in the state or federal courts located in Maricopa County, Arizona, and each party irrevocably submits to the personal jurisdiction of such courts.
• Class Action Waiver: YOU AND BUDGET PILOT AGREE THAT ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

13. Termination and Account Deletion

You may stop using the Service and request the complete deletion of your account and associated data at any time by contacting us. We reserve the right to suspend or terminate your account immediately if you breach these Terms or engage in conduct that poses technical, security, or legal risk to the Service.

14. Changes to These Terms

We may revise these Terms from time to time. If we make material modifications, we will update the "Last updated" date at the top and provide reasonable notice through the application or via email. Your continued use of Budget Pilot following any updates constitutes acceptance of the revised Terms.

15. Contact Us

If you have any questions, notices, or concerns regarding these Terms, please contact us at:

Email: mark@trybudgetpilot.com
Location: Arizona, United States