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Terms of service

Available onAndroidiOSWeb

Last updated: 4 October 2026

These terms are an agreement between you and Beyond Budget ("we", "us") for your use of the Beyond Budget apps for Android and iOS, the web app at https://app.beyondbudgetapp.com and the help site at https://www.beyondbudgetapp.com (together, the "Service"). Our Privacy policy explains how we handle your personal information.

In short
  • Beyond Budget is a budgeting tool. It isn't a bank and doesn't give financial advice.
  • You own your data. You can export it and delete your account at any time.
  • Pro is sold in the Android and iOS apps through Google Play or the App Store, and works on every platform you sign in to.
  • AI features can make mistakes. Check anything important.

1. Accepting these terms​

By creating an account, choosing Try without an account, or otherwise using the Service, you agree to these terms. If you don't agree, don't use the Service. You must be at least 16 years old to use the Service. If you're under 18, or under the age of majority where you live, you need a parent or guardian's permission.

2. The Service​

Beyond Budget helps you plan and track your personal or family budget on Android, iOS and the web. Most features work on every platform; some depend on the device (for example, the notification importer and widgets are Android only). See Platform availability. We keep improving the Service and may add, change or remove features. If we remove a significant Pro feature you paid for, we'll tell you in advance.

The Service is for personal and family use, not for running a business.

3. Your account​

  • You can sign in with Google, Apple (iOS and web), Facebook (Android) or an email address. Keep your sign-in details secure and tell us at support@beyondbudgetapp.com if you think someone else has accessed your account. You're responsible for what happens in your account.
  • With Try without an account, your data is tied to that installation. If the app is uninstalled or its data cleared before you link an account, your data can be lost. Link an account to keep it. Guest accounts are also deleted after 3 months without opening the app (see section 13).
  • Give accurate information and keep your email address up to date.

4. Free and Pro​

The free plan is free, with usage limits. Pro removes those limits and unlocks extra features. Pro is offered as monthly or yearly subscriptions, sometimes with a free trial, and as a one-time Lifetime purchase. Prices are shown in the app before you buy. You may also make optional in-app donations, which don't unlock features.

  • Where you buy: Pro is sold only in the Android app (billed by Google Play) and the iOS app (billed by Apple through the App Store). The web app can't sell Pro. Your purchase is linked to your Beyond Budget account, so Pro works wherever you sign in with that account, including the web.
  • Renewal: subscriptions renew automatically at the end of each period at the then-current price until you cancel. Free trials turn into a paid subscription unless you cancel before the trial ends.
  • Cancelling: manage or cancel in your Google Play or App Store account settings, at least 24 hours before the period ends to avoid the next charge. You keep Pro until the end of the period you paid for. Deleting the app or your account doesn't cancel a subscription.
  • Refunds: purchases are handled by Google Play or Apple, so their refund policies apply. You can also contact us at support@beyondbudgetapp.com: we refund on request within 14 days of purchase. This doesn't limit any rights you have under consumer law.
  • Price changes: we may change prices. Changes to an existing subscription take effect at renewal, with the notice Google Play or Apple require.
  • Lifetime means Pro for as long as we offer the Service, including future Pro updates, with no further charges.

5. Family group​

You can invite others by email to share a budget. You choose each member's access to each budget: with Editor access they can see and change it, with None they can't open it. Only invite people you trust, and remove members you no longer want to share with.

6. Acceptable use​

Don't:

  • break the law or use the Service to harm, harass or deceive anyone;
  • access other people's accounts or data without permission;
  • interfere with the Service, overload it, bypass its security or usage limits, or scrape it;
  • copy, modify, resell or reverse engineer the Service, except where the law allows it;
  • upload malicious code or content you don't have the right to share.

7. Your content​

You own the data, files and text you put into the Service ("your content"). You give us a worldwide, non-exclusive, royalty-free licence to host, store, copy, process and display your content only to operate, secure and improve the Service for you, including sending it to our service providers as described in the Privacy policy, and to show it to people you share with. This licence ends when you delete your content or account, except for copies kept in backups for up to 7 days or where the law requires us to keep them. If you send us feedback, we may use it freely.

The Service itself, including the app, its design, text and logos, belongs to Beyond Budget or its licensors. We give you a personal, non-transferable, revocable licence to use it under these terms.

8. AI features​

Some features use third-party AI providers (OpenAI, Anthropic and Google) to answer questions, give insights, read receipts and notifications, and suggest categories. AI output is generated automatically and can be incomplete or wrong. Check it before relying on it, especially before changing your budget or making financial decisions.

9. Not financial advice​

Beyond Budget is a budgeting tool. It isn't a bank, doesn't hold your money and doesn't make payments. Insights, scores, projections, AI answers and articles are general information, not financial, investment, tax or legal advice. For decisions about your finances, talk to a qualified professional. You're responsible for checking that the information in your budget is accurate.

10. Third-party services​

The Service relies on services from others, such as Google, Apple, Meta and the app stores. Their terms apply to your use of them, and we aren't responsible for them.

11. No warranty​

We work hard to keep the Service reliable and your data safe, but the Service is provided "as is" and "as available". To the extent the law allows, we make no warranties that it will be uninterrupted, error-free or meet your needs, and we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. Keep your own exports of data that matters to you.

12. Limitation of liability​

To the extent the law allows, we aren't liable for indirect, incidental, special or consequential losses, or for lost profits, savings or data, and our total liability for all claims about the Service is limited to the greatest of: the amount you paid us for the Service in the 12 months before the claim, the amount you paid for a Lifetime purchase, and NZ$10.

Nothing in these terms limits liability that can't be limited by law, or your rights as a consumer under the laws of your country, such as the New Zealand Consumer Guarantees Act 1993 (where it applies), the Australian Consumer Law or the consumer laws of the European Union and the UK.

13. Ending your use​

You can stop using the Service and delete your account at any time in More › Profile › Reset & Danger Zone › Delete account. See Deleting your account.

Inactive accounts: if you don't open the app for 3 months, we permanently delete your account and all your data, without notice. This applies to free and expired-Pro accounts, including guest accounts. It doesn't apply to Lifetime purchases (unless refunded), current Pro (your own or through a family group), accounts with more than 30 check-ins, and subscriptions within 7 days of lapsing.

We may suspend or close your account if you seriously or repeatedly break these terms, if the law requires it, or to protect other users or the Service. Where reasonable, we'll tell you first and give you a chance to export your data. If we stop offering the Service, we'll give you reasonable notice. The feedback licence in section 7, and sections 9, 11, 12 and 15, continue after your account ends.

14. Changes to these terms​

We may update these terms. We'll change the date at the top and, for significant changes, tell you in the app or by email before they apply. If you keep using the Service after a change applies, the new terms apply. If you don't agree, stop using the Service and delete your account.

15. Governing law​

These terms are governed by the laws of New Zealand, and the courts of New Zealand have jurisdiction. If you're a consumer living elsewhere, you keep the protection of the mandatory laws of your country and can bring claims in your local courts.

If any part of these terms is found unenforceable, the rest stays in effect. These terms and the Privacy policy are the whole agreement between you and us about the Service.

16. Contact​

Beyond Budget is the trading name of a sole trader in New Zealand. Questions about these terms: support@beyondbudgetapp.com.

17. Apple App Store terms​

If you got the iOS app from the App Store, this section also applies:

  • These terms are between you and Beyond Budget, not Apple. Beyond Budget, not Apple, is solely responsible for the app and its content.
  • Your licence to the iOS app is limited to use on Apple devices you own or control, as allowed by the Usage Rules in the Apple Media Services Terms and Conditions.
  • Apple has no obligation to provide maintenance or support for the app. Contact us for support.
  • If the app fails to meet any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the app, if any. To the extent the law allows, Apple has no other warranty obligation regarding the app. Any other claims, losses or costs from a failure to meet a warranty are our responsibility, to the extent these terms don't exclude them.
  • We, not Apple, are responsible for any claims relating to the app or your use of it, including product liability claims, claims that the app fails to meet legal or regulatory requirements, and claims under consumer protection, privacy or similar laws.
  • If a third party claims that the app or your use of it infringes their intellectual property, we, not Apple, are responsible for investigating, defending, settling and discharging the claim.
  • You confirm that you aren't in a country subject to a U.S. Government embargo or designated as "terrorist supporting", and that you aren't on any U.S. Government list of prohibited or restricted parties.
  • You must follow any third-party terms that apply when you use the app.
  • Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.