Terms and Conditions

Welcome to BudgetKaly.com! Please read these Terms and Conditions ("T&C") carefully before using the BudgetKaly mobile application or website (collectively, the "Service") operated by BudgetKaly Ltd. ("we," "us," or "our"). By accessing or using our Service, you agree to be bound by these T&C. If you do not agree with any part of these terms, please refrain from using our Service.

1. Acceptance of Terms

By accessing or using BudgetKaly, you confirm that you accept and will abide by these T&C, as well as any applicable local, state, or international laws and regulations. Your access and use are conditional upon your acceptance of these terms.

2. User Obligations

When using BudgetKaly, you agree to:

• Use the Service only for lawful purposes.
• Avoid using the Service in any way that could disable, overburden, or impair its functionality or interfere with other users’ experience.
• Provide accurate, complete, and current information during registration and in any data you input.
• Refrain from data mining, scraping, or using any automated system to extract data from our Service without our permission.
• Not engage in any activity that could harm BudgetKaly’s security, such as hacking, introducing malicious software, or attempting unauthorized access.

3. Account Management

You may be required to register an account to access certain features of the Service. When creating an account, you agree to:

• Provide accurate and complete information during the registration process.
• Keep your account information up-to-date.
• Be responsible for the security of your login credentials and any actions that occur under your account.
• Notify us immediately if you suspect any unauthorized access or security breach involving your account.
• Note that you must be at least 18 years old to create an account.

4. Intellectual Property

All intellectual property rights in BudgetKaly, including but not limited to logos, trademarks, software, text, images, and other content, belong to BudgetKaly Ltd. or our licensors. You agree not to copy, modify, distribute, or publicly display any portion of the Service without our written consent. You may use the Service solely for personal, non-commercial use in accordance with these T&C.

5. Privacy and Data Use

Our Privacy Policy explains how we collect, store, and use data provided by users. By using the Service, you consent to our Privacy Policy. We take reasonable steps to protect your data; however, you acknowledge and agree that no data transmission over the internet is 100% secure. BudgetKaly shall not be held responsible for unauthorized access to your personal data that is beyond our control.

6. Third-Party Services

BudgetKaly may contain links to third-party websites or integrate with third-party services, such as financial institutions. We are not responsible for the content, policies, or practices of third-party sites and services. By using these integrations, you agree that BudgetKaly is not liable for any loss or damage resulting from your interaction with third-party services.

7. Limitation of Liability

BudgetKaly Ltd. provides the Service "as is" without any warranties of any kind, either expressed or implied. We do not guarantee the accuracy, reliability, or suitability of the information on the Service. To the fullest extent permitted by law, BudgetKaly Ltd. disclaims any liability for damages or losses arising from your use of the Service, including but not limited to, errors, inaccuracies, interruptions, or unavailability.

8. User-Generated Content

If BudgetKaly allows users to input personal financial data or other content, you retain ownership of the content but grant BudgetKaly Ltd. a non-exclusive, worldwide, royalty-free license to use, modify, and display this content solely to provide the Service. You agree not to input any content that is unlawful, harmful, or infringes on others' rights. BudgetKaly reserves the right to remove or modify user content that violates these T&C.

9. Termination of Account

We reserve the right to suspend or terminate your account or access to the Service if we determine, at our sole discretion, that you have violated these T&C. Grounds for termination include, but are not limited to:

• Providing false or misleading information.
• Violating any applicable laws or these T&C.
• Engaging in unauthorized or harmful activities.

If your account is terminated, you may not be able to access any data associated with your account. BudgetKaly Ltd. is not liable for any loss incurred due to the termination of your account.

10. Changes to the Service and Terms

BudgetKaly Ltd. reserves the right to modify or discontinue the Service, or any part of it, without prior notice. We also reserve the right to update or modify these T&C at any time. Your continued use of the Service after changes are made indicates your acceptance of the revised terms. If significant changes are made, we may notify you via email or within the Service.

11. Governing Law and Dispute Resolution

These T&C and any disputes arising out of or related to the Service shall be governed by the laws of [Your Country/Region]. Any disputes shall first attempt to be resolved through informal negotiation. If unresolved, the dispute shall be settled by binding arbitration in [Your Region], except where prohibited by law.

12. Indemnity

You agree to indemnify and hold harmless BudgetKaly Ltd. and its employees, contractors, and affiliates from any claims, damages, or losses, including legal fees, arising from your use of the Service or violation of these T&C.

13. Contact Us

For questions or concerns regarding these T&C, please contact us at:

BudgetKaly Ltd.
Email: support@budgetkaly.com

Effective Date: [Month, Day, Year]