Budgetyam Terms of Use

Effective Date: [Insert Date]

Welcome to Budgetyam, a financial management application operated by Duniverse (sole proprietorship) based in South Africa (“we”, “us”, “our”). By creating an account or using Budgetyam, you agree to these Terms.

1. Service

Budgetyam helps you manage your personal finances through budgeting tools, expense tracking, and related features. We do not provide financial, legal, or tax advice.

2. Eligibility

You must be at least 18 years old to use Budgetyam.

3. Accounts

You are responsible for keeping your login credentials secure. Do not share your account with others.

4. Subscriptions & Billing

Budgetyam is offered on a subscription basis. Pricing and billing cycles are available on our Pricing page. Payments are processed securely by Paystack. Subscriptions renew automatically unless cancelled.

5. Refunds

Refunds are handled according to our Refund Policy.

6. Acceptable Use

Do not misuse the service, attempt to hack, overload, or reverse engineer it. We reserve the right to suspend accounts that violate these terms.

7. Limitation of Liability

Budgetyam is provided “as is”. We are not liable for losses resulting from reliance on the app, interruptions, or data inaccuracies.

8. Termination

You may cancel anytime. We may suspend or terminate your account if you breach these terms.

9. Governing Law

These Terms are governed by the laws of South Africa.

For questions: support@duniverse.co.za