These Terms of Use (“Terms”) govern your access to and use of Homegrown Budget (the “Service”), operated by Ackee & Software Limited. By downloading, signing in to, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. Description of service
Homegrown Budget is a self-directed household budgeting tool. You manually enter (or scan) the expenses, categories, and caps you choose to track, and the Service organizes and visualizes that information for you.
Homegrown Budget is not a bank, broker, lender, financial advisor, investment advisor, accountant, tax preparer, or bill-payment service. It does not hold funds, move money, initiate payments, or connect to your financial accounts.
2. Not financial, legal, or tax advice
Anything you see in the Service — totals, alerts, charts, preset categories, or any other output — is for your personal informational use only. It is not financial, investment, tax, accounting, legal, or credit advice. Consult a licensed professional for decisions that require professional judgment.
3. Not a bill-payment service
Homegrown Budget does not pay, schedule, or initiate any bill, invoice, subscription, or loan. You are solely responsible for paying what you owe, on time, regardless of anything you do or do not do in the Service and regardless of whether the Service is available. We are not liable for any missed payment, late fee, interest charge, overdraft, or credit impact arising from your failure to pay an obligation.
4. Your account
You sign in with Sign in with Apple. You must be at least 13 years old to use the Service. You are responsible for the activity under your account and for keeping your device secure. Tell us immediately if you suspect unauthorized use.
5. Your data; accuracy
You retain ownership of the information you enter (“Your Data”). You grant us a limited, worldwide, royalty-free license to host, copy, transmit, display, and process Your Data solely to provide the Service to you.
You are solely responsible for the accuracy, completeness, and legality of Your Data. We do not verify, audit, reconcile, or guarantee any amount, category, balance, total, or calculation in the Service.
6. Shared households
A household may have multiple members. Each member sees the same categories, caps, transactions, notes, and receipts in that household. Only invite people you trust, and do not share another person’s personal or financial information without their consent. You are responsible for what you enter and for what other members of your household enter.
7. Acceptable use
You agree not to (a) use the Service to violate any law or the rights of another person; (b) attempt to gain unauthorized access to the Service, other users’ accounts, or our infrastructure; (c) reverse engineer, decompile, or attempt to extract source code; (d) use the Service to distribute spam or malware; or (e) resell, sublicense, or white-label the Service without our written permission.
8. Subscriptions and billing
- Homegrown Budget offers a 14-day free trial, after which it is $4.99 per month as an auto-renewing subscription.
- Payment is charged to your Apple ID at confirmation of purchase (after the trial).
- The subscription renews automatically unless canceled at least 24 hours before the end of the current period.
- You manage and cancel in your App Store account settings; deleting the app alone does not cancel it.
- Purchases are processed by Apple and are subject to Apple’s standard licensing terms. Refunds are handled by Apple under its policies.
9. Third-party services
The Service uses Apple (Sign in with Apple and payments), Supabase (hosting and storage), RevenueCat (subscription management), and PostHog (aggregate analytics). Your use of the Service is also subject to those providers’ terms and privacy policies. We are not responsible for the acts or omissions of third-party providers.
10. Disclaimer of warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
We do not warrant that the Service will meet your requirements, be available at any particular time, be free of bugs, or that any data will be accurate, complete, or retained. You use the Service at your own risk.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, MISSED PAYMENTS, LATE FEES, INTEREST, OVERDRAFT FEES, CREDIT IMPACT, OR ANY OTHER CONSEQUENCE OF YOUR USE OF OR INABILITY TO USE THE SERVICE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Some jurisdictions do not allow certain exclusions or limitations, so some of these may not apply to you.
12. No liability for data loss or security incidents
We take commercially reasonable steps to protect the Service, but no system is impenetrable. You acknowledge that (a) data loss, corruption, or unauthorized access can occur despite reasonable precautions, (b) you are responsible for keeping your own backups of anything you consider critical, including via CSV export, and (c) the limits in Section 11 apply to any claim arising from data loss, corruption, security incidents, or outages.
13. Indemnification
You will defend, indemnify, and hold harmless Ackee & Software Limited and its affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of (a) your use of the Service, (b) Your Data, (c) your violation of these Terms, or (d) your violation of the rights of any third party.
14. Termination
You may delete your account at any time from Settings. We may suspend or terminate your access without notice if you violate these Terms, if required by law, or if we stop offering the Service. Upon termination, your right to use the Service ends.
15. Changes to the service and to these Terms
We may change, suspend, or discontinue any part of the Service at any time, and we may update these Terms. If we make a material change, we’ll give reasonable notice before it takes effect. Continued use after the effective date constitutes acceptance.
16. Governing law
These Terms are governed by the laws of Jamaica, without regard to its conflict-of-laws rules, and the courts of Jamaica will have jurisdiction over any dispute — except that either party may bring an individual action in a small-claims court.
17. Severability; entire agreement
If any provision of these Terms is held unenforceable, the remaining provisions stay in effect. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service and supersede any prior understandings.
18. Contact
Questions about these Terms? Email support@ackeeandsoftware.com.