1. Eligibility
- You must be at least 13 years old (or the minimum age of digital consent in your country, whichever is higher) to use the App.
- If you are under the age of majority in your jurisdiction, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.
- You must have the legal capacity to enter into a binding contract.
2. Your account
2.1 Sign-in
SharedBudget uses Sign in with Apple and Sign in with Google for authentication. We do not manage passwords. By signing in, you authorize us to receive a unique identifier and your email address from the provider, as described in our Privacy Policy.
2.2 Account security
You are responsible for maintaining the security of the Apple ID or Google Account you use to sign in. You are responsible for all activity that occurs under your account. Notify us immediately at merbelcorp@outlook.com if you suspect unauthorized access.
2.3 One person per account
Each account is for a single person. You may not share your sign-in credentials with anyone else. To share budget data with another person, use the built-in shared-account feature (see §5).
3. What the App does
SharedBudget is a personal finance tracking app that lets you:
- Record income and expenses manually or by importing a CSV file
- Organize transactions into categories and wallets
- Set budget limits and recurring transactions
- Share a budget with other users (partners, roommates, family) you invite
- Convert between currencies using third-party exchange rates
- Receive push notifications about your budget activity
4. Your data and content
4.1 You own your data
All transactions, category names, notes, and other content you enter into the App ("Your Content") belong to you.
4.2 License to us
You grant us a limited, non-exclusive, worldwide, royalty-free license to store, process, transmit, and display Your Content solely for the purpose of operating the App for you (e.g., syncing across your devices, showing it to members of your shared accounts, and processing it through the third-party services listed in our Privacy Policy).
This license terminates when you delete the content or your account, except as required for backup rotation (up to 30 days) or to comply with legal obligations.
4.3 Accuracy of your data
You are solely responsible for the accuracy of the data you enter. SharedBudget is a record-keeping tool; the numbers it displays are only as accurate as what you input.
4.4 Backup
We recommend keeping your own backups of critical financial data. While we make reasonable efforts to protect and preserve Your Content, we do not guarantee against loss, and we are not a backup service.
5. Shared accounts
SharedBudget lets you invite other users to a shared account. When you do:
- Visibility: All members of a shared account can see all transactions, balances, categories, and budget limits associated with that account.
- Invitations: Invitations are sent via a shareable invite code/link. Only share invite codes with people you trust.
- Roles: Shared accounts support roles (owner, member, viewer). The owner can remove members at any time.
- Data retention on leaving: If you leave a shared account (or are removed), transactions you contributed remain part of that account for the other members, because they are part of the shared financial record. Your identity is disassociated from those entries when you delete your SharedBudget account entirely.
- Your responsibility: You are responsible for who you invite and what information you choose to share through shared accounts. Do not share personal data of third parties without their consent.
6. Subscriptions and payments
6.1 Free and paid tiers
SharedBudget offers a free tier with limited features and a paid subscription with additional features. Current pricing and feature breakdown are shown inside the App before you purchase.
6.2 Billing
All subscriptions are processed and billed by Apple (via the App Store) or Google (via Google Play), not by us. Payment terms are governed by your agreement with Apple or Google. We use RevenueCat to validate your receipt and manage subscription status.
6.3 Auto-renewal
Subscriptions auto-renew at the end of each billing period unless canceled at least 24 hours before the end of the current period. You can manage and cancel subscriptions in your Apple ID / Google Account settings.
6.4 Trials
If we offer a free trial, it will convert to a paid subscription automatically at the end of the trial unless you cancel beforehand.
6.5 Refunds
Refunds are handled by Apple and Google according to their policies. We do not issue refunds directly. You may request a refund through:
6.6 Price changes
We may change subscription prices with prior notice. If you do not accept a new price, you may cancel your subscription.
7. Acceptable use
You agree that you will not:
- Use the App for any unlawful purpose or in violation of any applicable law
- Attempt to reverse-engineer, decompile, disassemble, or extract source code from the App, except to the extent permitted by applicable law
- Interfere with or disrupt the App, our servers, or the experience of other users
- Attempt to gain unauthorized access to any part of the App, other users' accounts, or our infrastructure
- Use the App to store or transmit malware, harmful code, or illegal content
- Upload content that infringes on the intellectual property or privacy rights of others
- Use automated means (scrapers, bots) to access the App in a way that causes excessive load
- Resell, sublicense, or commercially exploit the App without our written permission
- Circumvent or attempt to circumvent subscription paywalls or usage limits
- Use the App to engage in fraud, money laundering, or other financial misconduct
We reserve the right to suspend or terminate your access for violations of these rules.
8. Intellectual property
8.1 Our rights
The App — including its source code, design, graphics, text, logos, trademarks, and all other material we provide — is owned by Vladislav Mershkov and is protected by copyright and other intellectual property laws. Nothing in these Terms grants you any right in our intellectual property except the limited license to use the App described in §8.2.
8.2 License to you
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on devices you own or control, for your personal, non-commercial use.
8.3 Feedback
If you send us ideas, suggestions, or feedback, we may use them without restriction and without compensation to you.
9. Third-party services
The App relies on third-party services listed in our Privacy Policy, including Apple, Google, Supabase, Railway, RevenueCat, CurrencyLayer, and OpenAI. Your use of the App is also subject to the terms of these providers where applicable. We are not responsible for the availability, content, or practices of third-party services.
10. Disclaimers
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED AVAILABILITY.
Specifically:
- We do not warrant that the App will be error-free, secure, or continuously available.
- Exchange rates shown in the App are supplied by third parties and may be delayed or inaccurate. Do not rely on them for real trading or commercial decisions.
- Category suggestions from our AI-assisted import feature (powered by OpenAI) are suggestions only and may be incorrect. Always review imported data.
- The App does not provide financial, legal, tax, or investment advice. Consult a qualified professional before making financial decisions.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you. In such cases, any legally required warranties are limited to the minimum extent permitted by law.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, in no event shall Vladislav Mershkov be liable for:
- Any indirect, incidental, special, consequential, exemplary, or punitive damages
- Any loss of profits, revenue, data, use, goodwill, or other intangible losses
- Any damages arising from your inability to access or use the App
- Any financial decisions you make based on information displayed in the App
- Any loss resulting from inaccurate data you or another user entered into a shared account
Our total aggregate liability to you for any claim arising out of or relating to the App or these Terms will not exceed the greater of (a) the amount you paid us for the App in the 12 months preceding the event giving rise to the claim, or (b) EUR 50.
Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law (for example, liability for death or personal injury caused by our negligence, for fraud, or for statutory consumer rights in your country).
12. Indemnification
You agree to indemnify and hold harmless Vladislav Mershkov from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of: (a) your breach of these Terms, (b) your misuse of the App, (c) content you submit or share through the App, or (d) your violation of any rights of another person or applicable law.
This section does not apply to the extent prohibited by applicable consumer protection law.
13. Termination
13.1 By you
You may stop using the App at any time. To permanently delete your account and all associated data, open the App → Profile → Delete Account, or email merbelcorp@outlook.com.
13.2 By us
We may suspend or terminate your access to the App at any time, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or if we discontinue the App.
13.3 Effect of termination
Upon termination, your license to use the App ends immediately. Sections that by their nature should survive termination (including §4.2, §8, §10, §11, §12, §14, §15) will survive.
13.4 Discontinuation of the App
We may discontinue the App at any time. If we do, we will make reasonable efforts to give you advance notice and an opportunity to export or delete Your Content.
14. Changes to these terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top. If the changes are material, we will notify you in the App or via email before they take effect. Your continued use of the App after changes take effect means you accept the new Terms. If you do not accept them, stop using the App and delete your account.
15. Governing law and disputes
15.1 Governing law
These Terms are governed by the laws of the jurisdiction in which Vladislav Mershkov is resident, without regard to conflict-of-law principles.
15.2 Consumer rights
If you are a consumer residing in the European Union, you benefit from any mandatory provisions of the law of the country in which you reside. Nothing in these Terms affects those mandatory consumer rights.
15.3 Informal resolution
Before filing any formal claim, you agree to first contact us at merbelcorp@outlook.com and attempt to resolve the dispute informally for at least 30 days.
15.4 EU online dispute resolution
EU consumers may use the European Commission's Online Dispute Resolution platform: ec.europa.eu/consumers/odr
16. Apple-specific terms
If you obtained the App from the Apple App Store, the following additional terms apply. In the event of a conflict between these terms and the rest of the Terms, this section controls for App Store users.
- These Terms are between you and Vladislav Mershkov only — not with Apple. Apple is not responsible for the App or its content.
- Your license to use the App is limited to a non-transferable license to use the App on an Apple-branded device that you own or control, as permitted by the App Store Terms of Service.
- In the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation.
- Vladislav Mershkov (not Apple) is responsible for addressing any claims by you or a third party relating to the App, including product liability, legal/regulatory compliance, and intellectual property infringement.
- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
17. Google Play–specific terms
If you obtained the App from Google Play, your use is additionally subject to the Google Play Terms of Service. Google is not a party to these Terms and is not responsible for the App.
18. Miscellaneous
- Entire agreement: These Terms and our Privacy Policy are the entire agreement between you and us regarding the App.
- Severability: If any provision is held unenforceable, the rest remains in effect.
- No waiver: Our failure to enforce a provision is not a waiver of our right to enforce it later.
- Assignment: You may not assign these Terms. We may assign them (for example, to a successor entity).
- Contact: merbelcorp@outlook.com
19. Contact
Vladislav Mershkov
Email: merbelcorp@outlook.com
Privacy Policy: /privacy/
Terms of Use: /terms/
These Terms of Use were last updated on April 24, 2026.