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The terms this works under

Updated September 24, 2026

Just like the privacy policy — no ten-page legal template, just plain language about what you agree to by using Budget Guru.

App status

Budget Guru is in early access (public beta) and is provided “as is”. This means: functionality may change, something may not work perfectly, and that is expected at this stage — it is not a hidden flaw you weren’t told about.

This is not a financial advisor

The app and its AI assistant calculate from what you entered yourself — this is a mathematical calculation, not personal financial, tax or legal advice. The assistant’s answers are for reference: algorithms and language models can make mistakes, and 100% forecast accuracy is not guaranteed. All decisions about your money — buying, saving, borrowing — are made by you, and you are responsible for them.

Availability and data safety

I try to keep the app running without interruptions and your data from being lost, but as with any service built on third-party infrastructure (Supabase, Vercel), failures, delays or temporary unavailability cannot be completely ruled out. There is no uptime guarantee (SLA) at this stage — just in case, don’t keep the only copy of figures that matter to you only here.

Your account

You are responsible for keeping your email and password secure. If you notice that someone else may have gained access to your account, change your password and write to the Telegram support bot or at aa.salkov@gmail.com.

What you may not do with the service

Spam through the feedback form or try to break it with attachments used for anything other than their purpose.
Automatically parse, scrape or load the service with scripts (DDoS in any form).
Try to bypass the database protection, reverse-engineer it, or look for vulnerabilities for any purpose other than reporting them to me.

If you report a vulnerability you found through the feedback form or by email, I’ll be grateful — that is not prohibited; exploiting it without warning is.

Changes

While the app is in early access, the functionality and these terms may change. For significant changes (for example, if free access stops being free) I will write to you separately rather than quietly change the page.

Questions

If anything here is unclear or raises questions, write to the Telegram support bot, through the “Feedback” form in the app, or at aa.salkov@gmail.com.