Terms of Service

Welcome to Coffee Budget. By accessing or using our service, you agree to be bound by these Terms of Service. Please read them carefully before using the application.

1. Description of Service

Coffee Budget is a personal finance application designed to help you track income and expenses, manage budgets through virtual envelopes, and gain insights into your spending habits. The service includes:

• Manual and automatic transaction tracking
• Expense plan management with envelope budgeting
• Income planning and distribution
• AI-powered transaction categorization
• Bank account synchronization via Open Banking (GoCardless)
• CSV import and export of financial data

Coffee Budget is intended for personal use only by natural persons to manage their personal finances. It is not a financial institution, does not provide financial advice, and should not be used as a substitute for professional financial planning.

2. Account Registration

To use Coffee Budget, you must create an account through our authentication provider (Auth0). By registering, you agree to:

• Provide accurate and up-to-date information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activity that occurs under your account

You must be at least 16 years old to use Coffee Budget. By creating an account, you confirm that you meet this age requirement.

3. Acceptable Use

You agree to use Coffee Budget only for lawful purposes. You must not:

• Use the service for any illegal activity, including money laundering or fraud
• Attempt to gain unauthorized access to the service, other accounts, or our systems
• Interfere with or disrupt the service or its infrastructure
• Reverse-engineer, decompile, or attempt to extract the source code of the application
• Use automated tools (bots, scrapers) to access the service without our prior written consent
• Upload malicious content, viruses, or harmful code

4. Bank Connection

Coffee Budget offers optional bank account synchronization through GoCardless, a licensed Account Information Service Provider (AISP) regulated by the Financial Conduct Authority (FCA).

• Bank connections are entirely optional — the service is fully functional without them
• We access your bank accounts in read-only mode only — we cannot initiate payments, transfers, or modify your accounts in any way
• By connecting your bank, you authorize GoCardless to retrieve your transaction data on our behalf, subject to GoCardless's own terms and conditions
• You can disconnect your bank account at any time, which will immediately stop data synchronization and delete stored connection identifiers
• Bank connection tokens have a 90-day validity and must be re-authorized by you to continue synchronization

Coffee Budget is not responsible for outages, errors, or delays in the bank synchronization service provided by GoCardless or your financial institution.

5. AI-Powered Features

Coffee Budget uses artificial intelligence to provide transaction categorization suggestions and expense plan recommendations. These features are powered by OpenAI.

• AI features are optional and can be disabled
• AI suggestions are provided as-is and may not always be accurate — you should review and confirm categorizations
• Only transaction descriptions are sent to the AI provider — no amounts, account numbers, or personal identifiers
• AI-generated suggestions do not constitute financial advice

6. Your Content & Data

You retain full ownership of all data you enter into Coffee Budget, including transactions, categories, tags, expense plans, and any other content you create.

• You can export your data at any time in standard formats (JSON, CSV)
• You can request deletion of all your data by deleting your account
• We do not claim any ownership or license over your financial data

For details on how we process your personal data, please refer to our Privacy Policy.

7. Intellectual Property

All rights, title, and interest in Coffee Budget — including the application code, design, logos, and documentation — are owned by the operator of Coffee Budget. You may not:

• Copy, modify, or create derivative works based on the application
• Use our name, logo, or branding without prior written permission
• Remove or alter any proprietary notices in the application

8. Service Availability

We strive to keep Coffee Budget available at all times, but we do not guarantee uninterrupted access. The service may be temporarily unavailable due to:

• Scheduled or emergency maintenance
• Infrastructure provider outages
• Force majeure events beyond our control

The service 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, or non-infringement.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Coffee Budget and its operator shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, or business opportunities arising from your use of the service
• Errors or inaccuracies in transaction data, categorization, or budget calculations
• Actions taken based on information provided by the service — Coffee Budget is not a financial advisor
• Third-party service interruptions (GoCardless, Auth0, OpenAI)

Nothing in these terms excludes or limits liability that cannot be excluded under applicable law, including liability for fraud or gross negligence.

10. Termination

You may terminate your account at any time by requesting account deletion. Upon termination:

• All your personal data, transactions, and associated content will be permanently deleted within 30 days
• Any active bank connections will be disconnected immediately
• This action is irreversible — we cannot recover deleted data

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or if required by law. In such cases, we will notify you in advance whenever possible.

11. Changes to These Terms

We may modify these Terms of Service from time to time. When we make material changes, we will notify you through the application or by email at least 30 days before the changes take effect. Your continued use of the service after the effective date constitutes acceptance of the updated terms.

If you do not agree to the updated terms, you may terminate your account before the changes take effect.

12. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of Italy and the European Union, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of Coffee Budget shall be subject to the exclusive jurisdiction of the competent courts in Italy. If you are a consumer residing in the EU, you retain any mandatory consumer protection rights afforded by the laws of your country of residence.

You may also use the European Commission's Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid one that most closely reflects the original intent.

14. Contact

For any questions about these Terms of Service, please contact us: