Last updated 3 October 2026
These terms cover the BudPing app and the website at budping.com, both made and offered by an independent developer ("we", "us"). By installing or using the app, or by using the website, you agree to them. If you do not agree, do not use the app or the website.
BudPing is a personal budgeting and expense tracking application. You enter accounts, transactions, budgets, goals and debts; the app stores them on your device and shows them back to you with totals, charts, reminders and conversions between currencies.
We do not claim or guarantee that using BudPing will save you money, earn you money, reduce your spending, improve your credit, clear your debts by any date, or produce any financial result. Illustrations on the website and in the app, including figures, dates such as "clears by", budgets, savings projections and fee comparisons, are examples or estimates for demonstration. They are not statements about your situation and must not be relied on as such. Your results depend on your own decisions and circumstances, which we have no knowledge of or control over.
Everything the app displays is derived from information you entered. If an entry is wrong, missing or duplicated, every total, chart, projection and reminder built from it will be wrong too. You are responsible for the accuracy and completeness of what you enter and for checking anything you intend to rely on against your own bank, card and loan statements.
Exchange rates shown or used in the app are indicative rates obtained from third-party sources, or rates you entered, at a point in time. They are estimates. They are not quotes, they may be delayed, stale, rounded or unavailable, and they will differ from the rate any bank, exchange or payment provider actually gives you. Converted amounts, "net worth" totals, fee and rate comparisons and anything else built on a rate are approximations only.
Figures the app locks at the time of an entry (for example a converted amount) deliberately stay as they were and are not updated when rates change. That is a feature of how records are kept, not a statement of current value.
Your financial records are stored on your device. We do not hold a copy and cannot restore them for you. You are responsible for keeping backups and for remembering the password you choose for them. A backup encrypted with a password you have lost cannot be opened by us or by anyone; we never had the key. Loss of your device, deletion of the app, a failed operating system update, a factory reset or a forgotten password can mean loss of your data, and we are not liable for that loss.
Spreadsheet exports and backup files that you create are yours to protect. Once a file leaves the app, on your device or anywhere you send it, its security is outside our control.
Reminders are a convenience and may be delayed, suppressed or not delivered at all because of operating system settings, battery optimisation, permissions, device state or network conditions that we do not control. Do not rely on a reminder from the app to pay a bill, meet a deadline or avoid a charge. Missed payments, fees and interest are your responsibility.
Some features may be offered as a paid subscription, a one-time purchase, or an option to remove advertising. Purchases are made through Apple's App Store or Google Play and are governed by their terms, including billing, renewal, cancellation and refunds, which we do not control and cannot override. A purchase is tied to the store account that made it, as the store permits. Prices and what a purchase includes may change for future purchases; a change does not affect a period you have already paid for.
The app shows no advertising today. If an advertising-supported version is introduced in the future, the advertising will be provided by third-party networks under their own terms and privacy practices, the privacy policy will say which ones before any appear, and an option to remove advertising will be offered at the same time.
You agree not to:
We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices you own or control, for your own personal, non-commercial use, in accordance with these terms and the store's rules. The app, the website, their design, code, text, graphics, the BudPing name and the mark are ours or our licensors' and are protected by law. Your data remains yours; we claim no ownership of anything you enter.
We may change, suspend or discontinue the app, the website, any feature, or the service that delivers settings to the app, at any time, with or without notice. We may stop supporting older versions or older operating systems. We have no obligation to keep any feature available, to maintain compatibility with any device, or to provide updates or support. The waitlist is an expression of interest; it is not a promise that the app will be released, or released by any date, in any territory or at any price.
The app and the website rely on third parties we do not control, including the app stores, hosting providers, crash reporting, exchange rate providers, fonts and content delivery. Their availability, accuracy and conduct are not ours to guarantee. Links to other sites are provided for convenience and do not mean we endorse or are responsible for them.
The app and the website are provided "as is" and "as available", with all faults, and without warranty of any kind, whether express, implied or statutory, including any warranty of merchantability, fitness for a particular purpose, accuracy, non-infringement, or that they will be uninterrupted, timely, secure or error-free. No advice or information, whether oral or written, obtained from us or through the app creates any warranty. Where a warranty cannot be excluded by law, it is limited to the minimum extent the law allows.
To the fullest extent permitted by law, we and our directors, employees, contractors and suppliers are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of data, loss of profit, loss of savings, missed payments, bank charges, fees, interest, penalties, exchange rate differences, loss of goodwill or business interruption, however caused and under any theory of liability, arising out of or in connection with the app, the website, your reliance on anything they show, or your inability to use them, even if we were told such damages were possible.
To the fullest extent permitted by law, our total liability to you for all claims arising out of or relating to the app or the website, in aggregate, will not exceed the amount you paid for the app in the twelve months before the claim.
Nothing in these terms excludes or limits liability that cannot be excluded or limited under the law that applies to you, including for death or personal injury caused by negligence, for fraud, or your rights as a consumer that cannot be waived. In those places, these terms apply to the maximum extent the law permits.
You agree to compensate us and hold us harmless from claims, losses and reasonable costs, including legal fees, that arise from your breach of these terms, your misuse of the app or the website, or your violation of any law or of anyone's rights, to the extent the law where you live allows such a clause.
You must be at least 13 years old to use the app, and at least the age at which you can agree to terms like these where you live, or have a parent or guardian agree for you. If you are under 18, use the app only with the involvement of a parent or guardian.
You may stop using the app at any time by deleting it; your data goes with it, so export or back up first if you want to keep it. We may suspend or end your access to the service that delivers settings, or to the website, if you breach these terms or if we discontinue them. Sections that by their nature should survive, including 2, 3, 4, 11, 12 and 13, survive the end of these terms.
We may update these terms. The date at the top changes when we do. Where a change is significant, we will say so in the app or on the website before it takes effect. Continuing to use the app or the website after a change means you accept the changed terms.
These terms are governed by the law of the country in which the developer is established, without regard to its conflict of law rules, and its courts have jurisdiction, except where the law where you live gives you the right to bring a claim in your own courts or under your own law, which these terms do not take away. Before bringing a claim, please write to us; most things can be sorted out that way.
If any part of these terms is found unenforceable, the rest remains in effect and the part is read as narrowly as needed to make it enforceable. Our not enforcing a term is not a waiver of it. You may not transfer your rights under these terms; we may transfer ours to a successor of the business. These terms, together with the privacy policy, are the whole agreement between you and us about the app and the website.
Write to echostrides@gmail.com.