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FreeBudget Terms of Service

Effective Date: 1/1/2025
Last Updated: 7/11/2025

These Terms of Service ("Terms") govern your use of the FreeBudget application and website (collectively, the “Service”), operated by Budget Social Inc (“FreeBudget”, “we,” “our,” or “us”). By using FreeBudget, you agree to these Terms.

1. Eligibility

You must be at least 18 years old and capable of entering into a legally binding agreement to use the Service. By using FreeBudget, you represent and warrant that you meet these requirements. The Service is intended for U.S. residents only.

2. Account Registration

You must create an account to use FreeBudget. You agree to provide accurate, current, and complete information and to keep it updated. You are solely responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.

3. Acceptable Use

You agree not to:

  • Use FreeBudget for any unlawful, fraudulent, or malicious purpose
  • Access, use, or attempt to access or use data that does not belong to you
  • Interfere with or disrupt the Service or its infrastructure
  • Use any bots, scrapers, or automated tools to access the Service or extract data

We reserve the right to suspend or terminate accounts that violate these guidelines.

4. Financial Data Integration

FreeBudget allows you to connect to financial institutions through Plaid Inc. By using this feature, you authorize FreeBudget and Plaid to access and transmit your financial data from connected accounts. Use of this feature is subject to Plaid’s Privacy Policy. A small fee may apply for linked accounts to cover Plaid’s secure connection costs; FreeBudget does not profit from these charges.

5. License & Intellectual Property

We grant you a limited, non-exclusive, non-transferable, and revocable license to use FreeBudget for personal, non-commercial purposes. All intellectual property rights, including trademarks, content, and software, are owned by FreeBudget. You may not reproduce, distribute, modify, reverse-engineer, or exploit any part of the Service without our written permission.

6. Fees and Payment

FreeBudget is free to use for most features. However, certain services, such as linking your bank accounts through Plaid, may incur a small fee to cover the cost of secure third-party integration.
We do not profit from these fees. You’ll be notified before any charges are incurred, and payment will be processed through a secure third-party provider.
You are responsible for all applicable taxes and charges associated with your use of paid services. FreeBudget reserves the right to change fees with advance notice.

7. Termination

You may delete your account at any time by contacting support@freebudget.org. We may suspend or terminate your access to the Service at our discretion, with or without notice, including for violations of these Terms.

8. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We do not guarantee that FreeBudget will be error-free, uninterrupted, or that financial data will be accurate or complete. You use the Service at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, FreeBudget will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of FreeBudget. Our total liability for any claim will not exceed the amount you paid us, if any, in the three (3) months before the claim arose.

10. Indemnification

You agree to defend, indemnify, and hold harmless FreeBudget and its affiliates, officers, and employees from and against any claims, damages, liabilities, and expenses arising out of your use of FreeBudget or your violation of these Terms.

11. Modifications

We may update or modify these Terms at any time. If material changes are made, we will provide notice through the Service or by other means. Continued use of the Service after changes take effect constitutes acceptance of the new Terms.

12. Governing Law

These Terms are governed by the laws of the State of South Carolina, without regard to its conflict of law principles. Any disputes will be resolved exclusively in the courts located in South Carolina.

Contact Us

For questions about these Terms, contact: