Terms of Use
Last updated October 13, 2026
These terms cover your use of BudgetBuilt. By creating a household or using the app, you agree to them. Our Privacy Policy explains how we handle your information.
What BudgetBuilt is
BudgetBuilt is a budgeting and reporting tool for households. It reads your account data to organize spending, track budgets, and reconcile each month. It cannot move money, pay bills, or make changes at your bank.
BudgetBuilt is not financial, tax, legal, or investment advice. Its numbers and suggestions, including Ask BB's answers, are there to help you understand your own records. Check important figures against your bank statements before relying on them.
The pilot
BudgetBuilt is currently in a free pilot. Features may change, and things may occasionally break while we improve them. If we ever start charging, we will tell you the price first, and you will not be charged unless you choose a paid membership.
Your household account
- You must be at least 18 and give accurate sign-up information.
- Keep your sign-in secure, and tell us if you think someone else has used it.
- Only connect accounts you are allowed to access, and only invite people you want to see your household's finances. Everyone in a household can see the household's shared information.
- You are responsible for what happens under your sign-in.
Your data
Your financial data belongs to you. You give us permission to use it only to run BudgetBuilt for your household, as described in the Privacy Policy. Bank data comes from your bank through Plaid, and we cannot guarantee it is complete, accurate, or on time.
Acceptable use
Don't use BudgetBuilt to break the law, to access anyone else's accounts or data, to interfere with the service, or to copy or resell it.
Ending your use
You can stop using BudgetBuilt at any time. Leave or delete your household in Household settings, or email hello@budgetbuilt.app and we will do it for you. We may suspend or close an account that breaks these terms or puts other users or the service at risk, and we will tell you why unless the law prevents it. If we ever shut BudgetBuilt down, we will give you notice and a way to export your data.
No warranty
BudgetBuilt is provided "as is" and "as available." We work hard to keep it accurate and running, but we do not promise it will be error-free, uninterrupted, or right for every purpose.
Limits on liability
To the extent the law allows, BudgetBuilt is not liable for indirect or consequential losses, or for decisions made based on the app's numbers. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim, or $100 if you have not paid anything. Some places do not allow these limits, so they may not apply to you.
Changes to these terms
We may update these terms as BudgetBuilt grows. We will change the date at the top, and tell you by email or in the app before any material change takes effect. Continuing to use BudgetBuilt after that means you accept the new terms.
Contact
Questions about these terms: hello@budgetbuilt.app.