Terms of Service

Company Identity & Acceptance

These Terms of Service govern your use of BudgetFlow (BudgetFlow Canada Limited) and its services. By accessing and using our website, mobile applications, and tools, you agree to be bound by these terms and conditions. We provide digital budgeting solutions, expense tracking technology, and financial education resources designed for students and young professionals. If you do not agree with any part of these terms, you may not use our services. Your continued use of our platform constitutes your acceptance of any updates or modifications to these terms.

Scope of Services

We offer a comprehensive suite of digital budgeting applications and spreadsheet tools designed to help Calgary students master personal finance through technology-driven expense tracking. Our platform provides real-time budget monitoring, expense categorization, financial reporting, and educational content focused on spreadsheet mastery and smart money management. These services are intended to help users develop healthy financial habits and gain practical skills in financial planning. We continuously update our features to meet the evolving needs of student users seeking accessible, affordable financial management solutions.

User Obligations

You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of our platform. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree not to:

• Share your login information with unauthorized persons or use another person's account without permission
• Attempt to gain unauthorized access to our systems or networks through hacking, data mining, or other malicious means
• Upload, transmit, or distribute any content that is defamatory, obscene, abusive, or violates intellectual property rights
• Engage in any form of harassment, spam, or disruptive behavior toward other users or our team
• Reverse engineer, decompile, or attempt to discover the source code or proprietary algorithms of our platform

Intellectual Property

All content, features, functionality, design, graphics, text, and other materials on our platform are the exclusive property of our company or our content suppliers and are protected by international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, revocable license to access and use our services for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works based on our content without our prior written consent. Any unauthorized use of our intellectual property is prohibited and may result in legal action.

Limitations of Liability

Our platform is provided on an "as-is" and "as-available" basis. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or harmful components. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, even if we have been advised of the possibility of such damages. We are not responsible for any financial losses, data loss, or business interruptions resulting from your reliance on information provided through our platform. Users are responsible for verifying the accuracy of all financial data and calculations.

Termination of Service

We reserve the right to terminate or suspend your account and access to our services at any time, with or without cause, and without prior notice or liability. Termination may occur if you violate these terms, engage in fraudulent activity, or use our services in a manner that harms our platform or other users. Upon termination, your right to access our services will immediately cease. We may delete your account data following termination in accordance with our data retention policies. You may request account deletion at any time by contacting our support team, subject to applicable legal retention requirements.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Province of Alberta, Canada, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Calgary, Alberta for the resolution of any disputes arising from these terms or your use of our services. Any legal action or proceeding related to these terms must be brought within one year after the cause of action arises, or such cause of action shall be barred. We may modify these terms at any time, and such modifications shall be effective upon posting to our website.