Terms of Service

Last updated: 16 October 2026

These Terms of Service (“Terms”) govern your use of the BUDGETYEP website, web application, installable Progressive Web App and related services (collectively, the “Service”).

BUDGETYEP is operated by:

BRIGHT FREQUENCY LTD.
UIC / Company ID: 208584139
VAT ID: BG208584139
VAT registered in Bulgaria
Registered in the Republic of Bulgaria
Email: myfuturemakersclub@gmail.com

By creating an account, purchasing a subscription or otherwise using BUDGETYEP, you agree to these Terms.

Mandatory rights available to consumers under applicable law are not excluded or limited by these Terms.

1. About BUDGETYEP

BUDGETYEP is a personal budgeting, savings tracking and financial organisation tool.

The Service may allow users to:

record income and expenses;
record and categorise transactions;
create budgets;
track financial goals;
track savings;
record contributions;
participate in savings challenges;
record avoided spending;
view summaries, calculations and progress information.

BUDGETYEP primarily operates using information entered by the user.

2. BUDGETYEP Is Not a Bank

BUDGETYEP is not:

a bank;
a credit institution;
a payment institution;
an investment firm;
an investment adviser;
a financial adviser;
an accounting service;
a tax adviser.

Unless expressly stated otherwise for a specific future feature, BUDGETYEP does not:

hold your money;
transfer your money;
access your bank account;
execute banking transactions;
provide investment management.

Amounts displayed in BUDGETYEP are not independently verified bank balances.

3. No Financial, Investment, Tax or Legal Advice

BUDGETYEP is provided for personal organisation and informational purposes.

Budgets, calculations, progress indicators, challenge results and other outputs are not personalised professional advice.

Nothing in BUDGETYEP constitutes:

financial advice;
investment advice;
tax advice;
legal advice;
credit advice.

You remain responsible for your financial decisions.

Where appropriate, seek advice from a suitably qualified professional.

4. Eligibility and Account Registration

You must be legally capable of entering into an agreement to use paid BUDGETYEP services.

Certain functionality requires an account.

You agree to provide accurate information where required and to keep your login credentials secure.

You are responsible for activity carried out through your account to the extent permitted by applicable law.

5. Authentication

BUDGETYEP may support:

email and password authentication;
Google Sign-In.

Your use of Google services may also be governed by Google's terms and privacy policies.

BUDGETYEP does not receive your Google password.

6. Subscriptions

Full BUDGETYEP access currently requires a paid subscription unless otherwise expressly stated.

Current standard subscription options are:

Monthly subscription: €4.99 per month, VAT included

Annual subscription: €49.99 per year, VAT included

There is currently no free trial.

The applicable price, billing period and other required purchase information will be displayed before you complete payment.

We may introduce additional plans, prices or promotions in the future.

Any new price applicable to a purchase will be shown before the user becomes bound by that purchase.

7. Payments

Payments are processed by Stripe.

By purchasing a subscription, you authorise the applicable payment provider to process the payment associated with your chosen subscription.

BUDGETYEP does not directly store your complete payment card number.

8. Automatic Renewal

Unless cancelled, subscriptions automatically renew at the end of the applicable billing period.

Monthly subscriptions normally renew each month.

Annual subscriptions normally renew each year.

The applicable renewal price will be charged using your available payment method, subject to applicable law.

9. Subscription Cancellation

You may cancel your subscription through the Manage Subscription functionality where available.

You may also contact:

myfuturemakersclub@gmail.com

Cancellation prevents future renewal.

Unless applicable law requires otherwise, access to paid functionality may continue until the end of the period already paid for.

Deleting:

the BUDGETYEP PWA;
a shortcut;
budgeting records;
individual transactions;

does not automatically cancel your subscription.

10. Consumer Right of Withdrawal

If you are a consumer entitled to statutory withdrawal rights under EU, EEA or other applicable consumer law, those rights remain unaffected.

For qualifying distance service contracts, a consumer may generally have the right to withdraw from the contract within 14 days of its conclusion without giving a reason, subject to applicable legal rules and exceptions.

If you request that performance of the Service begins during the withdrawal period, applicable law may allow us to charge an amount proportionate to the Service supplied before you communicated your withdrawal, where all legal requirements for doing so have been satisfied.

Nothing in these Terms is intended to waive or remove a statutory withdrawal right where such a right cannot lawfully be waived.

To exercise a statutory right of withdrawal, you may send a clear statement of your decision to:

myfuturemakersclub@gmail.com

Your statement should contain enough information for us to identify the relevant account and purchase.

11. Refunds

Cancellation of a recurring subscription does not automatically create a refund for time during which the Service has already been available.

However, refunds will be provided where required by applicable consumer law.

Nothing in these Terms limits:

statutory withdrawal rights;
legal remedies for non-conforming digital services;
mandatory refund rights;
other non-waivable consumer rights.

12. Failed Payments

If a payment fails, Stripe or another authorised payment provider may attempt payment again.

Access to paid functionality may be restricted or suspended if payment remains unsuccessful.

13. Savings Challenges

BUDGETYEP may provide motivational savings features, including I Didn't Buy It.

When you record an avoided purchase, the amount represents spending that you report having avoided.

It does not mean that:

BUDGETYEP transferred the amount to a savings account;
the amount has been independently verified;
the amount is held by BUDGETYEP;
the amount represents an actual bank balance.

Challenge totals are based on information entered by the user.

14. User-Entered Information

You are responsible for information you enter into BUDGETYEP.

The Service performs calculations based on available information.

Outputs may be affected by:

incomplete user data;
incorrectly entered information;
software errors;
rounding;
technical problems.

You should independently verify information before relying on it for significant financial, legal, tax or other decisions.

15. No Guarantee of Financial Results

BUDGETYEP is designed to help users organise and understand their own financial information.

We do not guarantee that using BUDGETYEP will:

increase savings;
reduce spending;
eliminate debt;
improve creditworthiness;
increase income;
produce any specific financial outcome.

Results depend on the user's circumstances, behaviour and decisions.

16. User Content and Financial Records

You retain your rights in information and content you enter into BUDGETYEP.

You grant us the limited rights necessary to:

host;
store;
process;
reproduce;
display;

that information for the purpose of operating and securing BUDGETYEP and providing the Service to you.

We do not obtain ownership of your personal budgeting records merely because you enter them into BUDGETYEP.

17. Privacy

Personal data is processed according to the BUDGETYEP Privacy Policy.

Cookies, analytics and marketing technologies are further described in the BUDGETYEP Cookie Policy and consent interface.

18. Acceptable Use

You must not use BUDGETYEP to:

violate applicable law;
commit fraud;
access another person's account without permission;
impersonate another person;
bypass security controls;
introduce malicious software;
disrupt or overload the Service;
attempt unauthorised access to BUDGETYEP systems;
scrape or systematically extract protected information without permission;
reverse engineer the Service except where such restriction is prohibited by law;
resell access without written authorisation.

19. Intellectual Property

BUDGETYEP and its associated intellectual property are owned by BRIGHT FREQUENCY LTD. or used under applicable licences.

This may include:

the BUDGETYEP name and branding;
logos;
original design elements;
interface elements;
software;
source code;
graphics;
original written content;
database structures;
functionality.

Subject to these Terms, you receive a limited, personal, non-exclusive, non-transferable right to use BUDGETYEP for its intended purpose.

No ownership rights are transferred to you.

20. Third-Party Services

BUDGETYEP relies on third-party technologies and providers which may include:

Lovable;
Supabase-related infrastructure;
Stripe;
Google;
Microsoft;
Meta;
hosting and security providers.

Their services may also be governed by their own terms and privacy policies.

Nothing in these Terms excludes responsibility that cannot legally be excluded.

21. Availability and Maintenance

We aim to provide a reliable Service, but uninterrupted operation cannot be guaranteed.

BUDGETYEP may temporarily become unavailable because of:

maintenance;
upgrades;
security incidents;
infrastructure failures;
internet failures;
third-party service failures;
events outside our reasonable control.

We may make reasonable changes required to maintain, secure or improve the Service.

Mandatory rights relating to digital services remain unaffected.

22. Changes to Features

BUDGETYEP may evolve over time.

We may introduce, modify or discontinue features where reasonably necessary.

Where a material modification to a paid digital service triggers mandatory consumer rights, those rights will be respected.

23. Internet Connection and Installation

BUDGETYEP is primarily an online service.

A working internet connection may be required for:

login;
synchronisation;
current records;
payments;
subscription management;
certain features.

BUDGETYEP may also be installable as a Progressive Web App (“PWA”).

Installing BUDGETYEP:

may add an icon to your device;
may provide an app-like launch experience;
does not create another account;
does not create another subscription;
does not make BUDGETYEP a bank.

Removing the installed PWA does not automatically cancel your subscription or delete your account.

24. Security

You are responsible for taking reasonable steps to protect:

your password;
your Google account where used for login;
devices from which you access BUDGETYEP.

25. Suspension and Termination

We may suspend or restrict access where reasonably necessary if:

these Terms are materially violated;
payment remains unpaid;
fraudulent activity is suspected;
activity threatens the security of users or systems;
suspension is required by law.

Where appropriate and legally required, reasonable notice will be provided.

You may stop using BUDGETYEP at any time.

Account deletion and subscription cancellation are separate processes unless expressly stated otherwise.

26. Liability

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including mandatory consumer rights.

To the maximum extent permitted by applicable law, we are not responsible for losses caused solely by:

inaccurate information entered by the user;
financial decisions made independently by the user;
circumstances outside our reasonable control;
misuse of an account caused by the user's failure to protect credentials;
third-party services outside our reasonable control.

We do not exclude liability where doing so would be prohibited by law.

27. Changes to These Terms

We may update these Terms to reflect:

changes to BUDGETYEP;
changes to subscription functionality;
changes in law;
security requirements;
new functionality;
operational requirements.

The current version will show a revised Last updated date.

Where applicable law requires advance notice or consent for a material change, we will follow those requirements.

28. Governing Law

These Terms are governed by the laws of the Republic of Bulgaria.

If you are a consumer, this choice does not deprive you of mandatory protections that apply to you under the law of your country of habitual residence where those protections cannot lawfully be excluded.

29. Disputes and Complaints

If you have a complaint relating to BUDGETYEP, please contact us first at:

myfuturemakersclub@gmail.com

Nothing in these Terms prevents a consumer from using remedies available through:

competent courts;
consumer protection authorities;
other legally available dispute-resolution procedures.

30. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain effective to the extent permitted by law.

31. Entire Agreement

These Terms, together with:

the Privacy Policy;
Cookie Policy;
information presented during checkout;
any other legally required purchase information;

form the agreement governing your use of BUDGETYEP.

32. Contact

For questions regarding BUDGETYEP, subscriptions or these Terms, contact:

BRIGHT FREQUENCY LTD.
UIC / Company ID: 208584139
VAT ID: BG208584139
Republic of Bulgaria
Email: myfuturemakersclub@gmail.com