2. Registration and user account

• You may be invited to create an account by choosing a username and password (or other authentication method).

• You agree to provide accurate, complete, and up-to-date information.

• You must not choose a username that does not belong to you or attempt to impersonate a third party.

• You are responsible for the confidentiality of your password and for all activity carried out through your account.

• You may not transfer, assign, or sublicense your account — the account is strictly personal.

3. Permitted use / restrictions

You agree to use the Services solely for personal, internal, non-commercial, lawful purposes, and in compliance with all applicable laws. You specifically agree not to:

• Use the Services for the benefit of a third party.

• Attempt to gain unauthorized access to iBudgex systems, accounts, or data.

• Use bots, automated scripts, mass collection, or any unauthorized scraping method.

• Distribute, resell, republish, reproduce, modify, transfer, or exploit site content (code, design, data, interface) for purposes other than personal use, without prior written agreement.

4. Intellectual property

All content, code, design, data, logos, documentation, interfaces, and tools provided by iBudgex are our property (or that of our licensors), protected by copyright, trademarks, and other intellectual property rights.

Unless explicitly agreed in writing, iBudgex grants you only a limited, non-exclusive, non-transferable, non-sublicensable license to use the Services in accordance with these Terms.

5. Data, privacy & security

Use of the Services involves the collection, processing, and storage of personal, financial, and banking data (transactions, budgets, etc.). Data collection and processing practices are described in our Privacy Policy, which you must review and accept.

You acknowledge that any use of your data is carried out in accordance with the terms defined in the Privacy Policy and that you consent to such use.

6. Limitations / Service availability

• The Services are provided "as is" and "as available." iBudgex does not guarantee that the Services will meet your expectations, be uninterrupted, error-free, or fully secure.

• We do not guarantee the accuracy, completeness, or timeliness of data, calculations, analyses, or any results provided — users must use the information with judgment.

• In no event shall iBudgex (or its officers / employees / partners) be held liable for direct or indirect losses, financial losses, lost or corrupted data, or any damage resulting from access to, inability to access, or use of the service.

7. Liability & indemnification

You agree to indemnify and defend iBudgex and its officers, employees, subcontractors, and partners against any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your breach of these Terms, your use of the Services, or your violation of copyright, third-party rights, or applicable laws.

8. User content / feedback / contributions

If the service allows you to submit comments, suggestions, ideas, or any user content, you warrant that you hold the necessary rights, and you grant iBudgex a non-exclusive, worldwide, royalty-free, irrevocable right to use, reproduce, adapt, publish, translate, and distribute such content.

9. Suspension, termination

We may, at any time and at our discretion, suspend or terminate your access to the Services if you violate these Terms, or for any other reason, without notice. In the event of suspension or termination, you will remain responsible for all obligations incurred prior to the date of suspension / termination.

10. Minimum age / capacity

You represent that you are of the legal age required to enter into a contract (for example 18 years of age, or the applicable age in your jurisdiction). If this is not the case, you must not use the Services.

11. Modifications to the Terms

iBudgex reserves the right to modify these Terms at any time. Modifications take effect after publication on the site (and, if applicable, after notification). Your continued use of the Services constitutes acceptance of the changes.

12. Governing law and jurisdiction

These Terms are governed by and interpreted in accordance with the laws in force in the province or country where iBudgex operates, Bedford district. Any dispute relating to these Terms or the use of the Services will be submitted to the competent courts of that jurisdiction.

13. Contact

For any questions regarding these Terms, contact us at: [email protected].