ZenBudget Logo ZenBudget ← Back to App
Transparent Terms

Terms of Service

Effective Date: November 2, 2026 • Version 2.7.3 • Agreement for ZenBudget Platform & Android App (app.zenbudget.app) by Something Labs Tech

📄 1. Acceptance of Terms

By downloading, installing, accessing, or using ZenBudget (including our Android application, progressive web app, and associated online services operated by Something Labs Tech), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you should discontinue use and uninstall the application.

🌱 2. Free Tier, Subscriptions & Digital Purchases

  • Free Forever Core: ZenBudget provides free essential expense tracking, category logging, and envelope calculations without compulsory payment.
  • Google Play In-App Subscriptions: Subscriptions purchased through our Android application are processed securely via Google Play In-App Billing. Renewal, billing history, and cancellation are managed directly through your Google Play Account > Payments & Subscriptions menu.
  • Web Digital Purchases: Subscriptions or lifetime keys purchased via our website are processed through certified PCI-DSS Level 1 compliant payment gateways.
  • Refund Policy: For Android in-app purchases, refunds follow Google Play refund guidelines. For web purchases, contact our billing desk within 7 days of purchase at hello.zenbudget@zohomail.in.
  • Fair AI Utilization: Features powered by Google Gemini AI (such as receipt OCR scanning and AI Money Coach) are subject to reasonable fair-use limits to prevent automated abuse.

⚖️ 3. Personal Finance & Regulatory Disclaimer

ZenBudget is an informational budgeting, expense organization, and financial mindfulness tool. ZenBudget is NOT a licensed bank, loan provider, non-banking financial company (NBFC), or statutory financial advisor.

  • Calculations (such as Safe Daily Spending, month-end projections, and envelope pacing) are algorithmic estimates based on user-entered logs.
  • ZenBudget does not execute money transfers, loans, statutory tax filings, or provide certified investment recommendations.
  • Users must exercise personal judgment before making significant financial commitments.

🔐 4. Account Responsibility & Device Security

You are solely responsible for maintaining the confidentiality of your device, 4-digit vault PIN, biometric locks, and Supabase authentication credentials. ZenBudget implements local hardware encryption and cloud RLS, but cannot be held liable for unauthorized access resulting from malware or compromised physical devices.

🚫 5. Acceptable Use Policy

When using ZenBudget, you agree not to:

  • Reverse engineer, decompile, or attempt to extract source code from the mobile app bundle.
  • Probe, scan, or exploit security vulnerabilities in the Supabase backend or API endpoints.
  • Inject malicious scripts, scrape automated data, or interfere with other users' shared sync channels.

🗑️ 6. Account Deletion & Termination

You may terminate your ZenBudget account and wipe all stored data at any time via Settings > Account & Security > Delete Account, or via our web portal at https://zenbudget-tracker-app.vercel.app/delete-account.html. Something Labs Tech reserves the right to suspend accounts that engage in fraudulent abuse of server resources.

💬 7. Contact & Legal Notices

For questions or formal inquiries regarding these Terms of Service:

Privacy Policy • Terms of Service • Account Deletion • Security • Contact Support