Effective date: 14 October 2026
These Terms govern the Byudge apps, Byudge Pro and the assistant. Our Privacy policy explains data processing; accepting these Terms does not replace separate consent where required.
1. Who we are and who can use Byudge
Byudge is provided by Amal Nuritdinkhodzhaev, an individual in the Kyrgyz Republic. Address: Building 4/2, 5th Microdistrict, Bishkek, Kyrgyz Republic. Email: [email protected]. Telephone: +996 555 924 499.
You must be 18 or older, able to enter into a binding agreement and entitled to use the accounts you access. Availability can differ by country.
2. What Byudge does
Byudge helps you record accounts, assets, debts, income and spending, view net worth/statistics and plan budgets. It does not connect to banks, hold or move money, execute trades or verify the completeness of your records.
Using Byudge requires an active Pro subscription or trial. Installations from before subscriptions became required may continue in the earlier free mode where the app offers it. Sync and the assistant need a Byudge account and internet; local tracking does not.
All figures are informational, not financial, investment, tax or legal advice. Reference exchange rates are not executable bank quotes.
3. Your account and records
Your records belong to you. We process them for the purposes described in the Privacy Policy, not under an unrestricted ownership transfer.
Protect your device and sign-in credentials and report suspected unauthorized access. Do not enter passwords, card credentials or information about others unless you are entitled to share it.
Successful sign-out clears local user records, including unsynced changes. The app does not show a sync-completion status or guarantee a final upload before sign-out. Do not use sign-out to troubleshoot if you need to preserve unsynced records.
Delete your account through Settings → Profile → Delete account or the Account deletion page.
4. The AI assistant
The assistant explains and summarizes records accessible to your account. It does not give financial, investment, tax or legal advice and can make mistakes. Check important figures before relying on them. We promise no saving, return or financial outcome.
Questions, chat context and relevant records are shared with Google (Gemini API) to answer. The chat names the provider and links to the Privacy Policy. The assistant is optional. Stop sending questions to stop new requests; deleting chats does not erase provider safety copies or cancel your subscription.
There is no fixed advertised question allowance for ordinary personal use. We may proportionately restrict automated, bulk or abusive use that threatens the service, explaining the reason where possible.
5. Byudge Pro subscription
Pro is sold as a yearly or monthly auto-renewing subscription. The store shows the price, billing period and any free trial for your country before you confirm the purchase. A free trial, where offered, applies to the yearly plan for eligible users; Apple permits one introductory offer per subscription group, and Google Play eligibility follows the configured offer rules.
Renewal: subscriptions renew automatically, and a trial becomes paid at its disclosed price unless canceled in time. Cancel before the trial or billing period ends. For an App Store trial, cancel at least 24 hours before its end.
Cancellation: use the store where you purchased. Settings → Subscription opens the current platform's store; if you paid elsewhere, use that store. App/account deletion, sign-out and stopping use of the assistant do not cancel billing. Ordinarily cancellation stops the next renewal; remaining access follows the store's rules and applicable law. When access ends, the app shows the subscription screen until you subscribe or restore; your records stay on the device and in your account.
Refunds and remedies: request App Store payment refunds from Apple, and Google Play refunds from Google or us. EU/UK consumers generally have 14 days to withdraw from a service purchase, subject to lawful exceptions; starting access alone does not waive this right. Store procedures do not replace statutory remedies.
Restore: use Restore purchases with the purchasing store account. Missing access on another device does not necessarily require another purchase; contact support.
Earlier purchases: you keep the functionality you paid to unlock. Existing subscriptions retain their store-confirmed terms; changes follow store notice/consent rules. A price change does not retrospectively alter a paid period. We do not use a new product lineup to revoke existing purchased rights.
6. App license
For iOS, Apple's Standard EULA governs the application license; these service Terms do not override it. Apple does not provide Byudge's assistant service.
For other platforms, you receive a personal, non-exclusive license to use Byudge on devices you may lawfully use, subject to store rules and mandatory law. Our software/branding and third-party components remain with their respective rights holders. Your own records remain yours.
7. What is not allowed
Do not misuse Byudge unlawfully, access others' data, bypass access controls, resell access, overload the service or infringe others' rights. Do not copy, modify, reverse-engineer or redistribute the software except where the license or applicable law permits it.
8. Ending access
You can stop using Byudge and request deletion. We may restrict access for a material breach, fraud, a security threat or a legal requirement, only as reasonably necessary. Where feasible, we explain the reason and let you correct the issue before termination; urgent safety action can come first.
You can challenge a restriction through support. We address unused prepaid access and refunds as applicable law requires. Termination does not permit extra data retention or eliminate your statutory rights.
9. Disclaimer and limitation of liability
We cannot guarantee uninterrupted operation or perfect records, rates or AI answers. You make your own financial decisions, but this does not excuse our failure to meet contractual or statutory duties.
We do not exclude mandatory standards of care, data-protection duties or liability that law does not permit us to exclude. This includes applicable rights concerning defective digital services, refunds and foreseeable loss.
10. Governing law and disputes
Kyrgyz Republic law governs these service Terms without depriving you of mandatory protections of your home law. You retain mandatory home-court rights; where EU/UK consumer-court rules apply, we bring claims against you only in your home courts. We require neither exclusive Kyrgyz proceedings nor compulsory arbitration. Contacting support is encouraged, not a condition for legal action. Apple's separate EULA remains applicable to its license.
11. Changes to these Terms
We may change the service or Terms only for valid legal, security or necessary technical reasons, without additional charges for the change. Material changes receive advance notice you can retain, explaining the reason, timing, remedies and any required agreement. Continued use does not waive mandatory rights.
For EU users, a change impairing access or use beyond a minor degree carries a free termination right within 30 days of notice or change, whichever is later, unless unchanged access can lawfully be retained instead. Statutory refunds remain available. Closing a paid service must respect unused prepaid access and data rights; purchased primary functionality is not revoked merely by rewriting these Terms.
12. Contact
[email protected] · +996 555 924 499 · Amal Nuritdinkhodzhaev, Building 4/2, 5th Microdistrict, Bishkek, Kyrgyz Republic.