Terms of Service

Effective date: September 6, 2026

These terms are an agreement between you and SayKos Software LLC ("SayKos Software LLC", "we", "us") for the use of MyFamBud on any platform we offer it - our website, the web app, and the MyFamBud mobile apps for iOS and Android. By creating an account or using the app, you agree to these terms. If you do not agree, please do not use MyFamBud.

1. The service

MyFamBud is a personal and family budgeting tool that helps you track income, expenses, accounts, and net worth. It is available as a website and web app at myfambud.com and as mobile apps for iOS and Android; the same account and the same data are used across all of them. You are responsible for the accuracy of the information you enter.

2. Your account

You must be at least 13 years old and able to enter into a legally binding contract to use MyFamBud. If you are under the age of majority where you live, you may use the service only with permission from a parent or legal guardian. Keep your login credentials secure. You are responsible for activity that happens under your account. Please notify us promptly if you think your account has been accessed without permission.

3. Acceptable use

You agree not to:

• Use MyFamBud for anything illegal.
• Attempt to break, overload, or gain unauthorized access to the service or other users' data.
• Reverse engineer, copy, or resell the service except where the law allows.

4. Intellectual property

MyFamBud, including its software, design, logos, and content, is owned by SayKos Software LLC and protected by applicable intellectual property laws.

5. Subscriptions, billing, cancellation, and refunds

MyFamBud offers a free plan and a paid Pro plan. Pro costs $4.00 per month or $40.00 per year (USD). If you choose Pro:

• If you subscribe on our website or in the web app, Pro is billed monthly or yearly through our payment processor, Stripe, at the price shown above. Prices may change in the future; if and when a change would apply to your subscription, we will notify you before it takes effect.
• Your subscription renews automatically at the end of each billing period until you cancel.
• Cancellation: if you subscribed through Stripe, you can cancel anytime from Settings. Your Pro access continues until the end of the billing period you have already paid for, and you will not be charged again after that.
• Refunds: subscription fees that have already been charged are non-refundable. Cancelling stops all future charges but does not refund the current billing period, and we do not provide prorated credits for the unused part of a period, except where required by law.
• Purchases made inside a mobile app are processed by Apple or Google rather than Stripe, and are charged to your App Store or Google Play account. They renew automatically through that account, you cancel them in the store's own subscription settings rather than in MyFamBud, and refunds for them are handled by Apple or Google under their own policies. Prices in the stores are shown in your local currency and may differ from the amounts above.
• Payments are processed by Stripe, Apple, or Google depending on where you subscribed, and may also be subject to that provider's terms and privacy policy.

6. Additional terms for app store downloads

These terms apply when you download MyFamBud from the Apple App Store or Google Play. They are an agreement between you and SayKos Software LLC only, not with Apple or Google, and we alone are responsible for MyFamBud and its content.

• Your license to use the app is a non-transferable license to run it on devices you own or control, as permitted by the store's own usage rules.
• Support: we are solely responsible for support and maintenance. Apple and Google have no obligation to provide either. Email [email protected].
• Warranty: if the iOS app fails to conform to any warranty we give, you may notify Apple and Apple will refund the purchase price of the app, if any; to the maximum extent permitted by law, Apple has no other warranty obligation. We, not Apple or Google, are responsible for any other claims relating to the app, including product liability, legal compliance, consumer protection, and claims that the app infringes someone else's intellectual property.
• Legal compliance: you confirm that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Third-party beneficiary: Apple and its subsidiaries - and Google, for the Android app - are third-party beneficiaries of these terms and may enforce them against you.

7. Not financial advice

MyFamBud is a tool to help you organize your money. It does not provide financial, investment, tax, or legal advice. Decisions you make based on the app are your own.

8. Service availability

We may modify, update, suspend, or discontinue any part of the service at any time.

9. Disclaimer and limitation of liability

MyFamBud is provided "as is" and "as available", without warranties of any kind. To the fullest extent permitted by law, SayKos Software LLC will not be liable for any indirect, incidental, or consequential damages, and our total liability for any claim relating to the service is limited to the greater of (a) the amount you paid us during the 12 months before the claim, or (b) USD $100.

10. Termination

You can stop using MyFamBud and delete your account at any time from Settings. We may suspend or end your access if you violate these terms or to protect the service and its users.

11. Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules.

12. Changes to these terms

We may update these terms from time to time. When we do, we will change the effective date above and, where appropriate, notify you in the app. Continued use after an update means you accept the revised terms.

13. Contact

Questions about these terms? Email [email protected]. MyFamBud is operated by SayKos Software LLC.