Terms of Use

Effective November 10, 2026 · Version 2026-11-10.1

1. Your agreement and eligibility

These Terms are between you and Walters Labs LLC (“we,” “us,” or “our”) and govern your use of Budget at budget.walterslabs.dev. By accepting these Terms when signing up, you agree to them. You must be at least 18, reside in the United States, and have a valid invitation. Invitations are personal and may be withdrawn before acceptance.

2. What Budget does

Budget helps you organize transactions, categorize spending, estimate income, and plan spending limits. The current beta is free; these Terms do not authorize charges. Access and bank connections are limited during the beta. We may change features, impose reasonable usage limits, pause access, or discontinue the beta.

Budget is not a bank, payment service, investment adviser, or substitute for financial, tax, or legal advice. It does not hold your money or initiate payments. Budgets are planning tools, not bank-enforced limits. Verify balances and transactions with your financial institution before making financial decisions.

3. Accounts and authorized use

Choose a secure password, keep your credentials private, and contact us if you suspect unauthorized access. Provide accurate eligibility information. Connect only financial accounts you own or are authorized to access, and import only data you have permission to use.

Do not attempt to access another person’s data, bypass invitations or connection limits, disrupt the service, introduce malicious code, or use the app unlawfully. If you discover a security issue, stop testing before accessing other users’ information and contact us privately.

4. Bank connections and other providers

Bank connectivity is provided through Plaid and participating financial institutions. Their services are subject to their own applicable terms and privacy notices, including Plaid’s end-user disclosures. You authorize the connections you select through Plaid Link. Data availability, delays, and interruptions may depend on these providers.

Removing a connection stops further access through that connection, but saved transaction history remains in your budget until you delete your account. Bank access must be successfully revoked before account deletion completes. If a provider is unavailable, you may need to retry or contact us.

5. Your data and our software

You retain your rights in the information you provide. You permit us to process that information as needed to operate, secure, and support Budget, as described in the Privacy Policy. These Terms do not transfer ownership of your financial information to us.

We and our licensors retain rights in the software, design, and branding. We permit you to use the app for its intended budgeting purposes while you comply with these Terms. Third-party and open-source components remain subject to their applicable licenses.

6. Beta limitations and responsibility

The beta may contain errors, lose data, or be unavailable. Imported or synchronized information may be incomplete, duplicated, delayed, or categorized incorrectly. Keep your original financial records and export your budget if you need a separate copy.

To the extent permitted by applicable law, Budget is provided “as is” and “as available,” without warranties of accuracy, uninterrupted availability, merchantability, fitness for a particular purpose, or noninfringement. To that same extent, Walters Labs LLC is not responsible for indirect or consequential losses arising from use of the beta. Nothing in these Terms excludes liability or consumer rights that cannot lawfully be excluded.

7. Leaving the beta or losing access

You can export your budget and request permanent account deletion in Settings. The Privacy Policy explains the remaining backup and administrative records. We may suspend or close access for misuse, security reasons, or discontinuation of the beta. Where reasonably practicable, we will provide notice and an opportunity to export your data; urgent security or legal circumstances may require immediate action.

8. Changes, applicable law, and contact

We will identify updated Terms by their effective date and provide notice of material changes before they take effect. If renewed agreement is required, we will request it. These Terms are governed by Virginia law, subject to any mandatory protections that apply to you. These Terms do not impose mandatory arbitration or waive class-action rights.

Questions about these Terms: jackson@walterslabs.dev.