Terms & Conditions

1. Use of Services

KR Budgeting provides tools to help users track and manage personal finances. You agree to use the service only for lawful purposes and in accordance with these Terms.

2. SMS Messaging Consent

By providing your phone number and using KR Budgeting, you consent to receive text messages related to your activity within the app.

• Message frequency varies based on user activity
• Message and data rates may apply
• You may opt out at any time by replying STOP
• You may reply HELP for assistance

These messages are service-related and not promotional.

3. User Responsibilities

You agree to:

• Provide accurate information when using the service
• Use the app only for personal, non-abusive purposes
• Not attempt to interfere with or disrupt the service

4. No Financial Guarantee

KR Budgeting provides financial tools and guidance but does not guarantee financial results, outcomes, or savings.

5. Service Availability

We strive to keep the service running smoothly but do not guarantee uninterrupted or error-free operation, including SMS delivery.

6. Limitation of Liability

To the fullest extent permitted by law, KR Budgeting is not liable for any damages resulting from:

• Use or inability to use the service
• Delayed or failed message delivery
• Errors in financial tracking or user input

7. Data and Privacy

Your use of the service is also governed by our Privacy Policy. By using KR Budgeting, you agree to how we collect and use your information as described there.

8. Changes to Terms

We may update these Terms from time to time. Continued use of the service after updates means you accept the revised Terms.

9. Contact Information

If you have questions about these Terms, please contact us at: