These Terms of Use ("Terms") govern your use of the "Budwisea" application ("App") and the budwisea.com website. By downloading, installing or using the App, you confirm that you have read, understood and accepted these Terms.
1. Contracting parties
The App is provided by Florin Kämpfer, sole proprietor based in Switzerland ("Provider"). Contact: hello@budwisea.com. The App is distributed via the Apple App Store; your purchase contract is with Apple Distribution International Ltd.
2. Service description
Budwisea is an iOS application for personal household budget planning. All data is stored exclusively locally on your device.
The App is not a banking, financial, investment or wealth management product. It does not constitute investment recommendations or financial advice under FIDLEG, FINIG, MiFID II or comparable regulations.
3. License
You obtain a simple, non-exclusive, non-transferable right to use the App on the devices associated with your Apple ID for private, non-commercial purposes.
4. Price and payment
The App is offered as a one-time purchase. No subscription fees, no in-app purchases, no recurring charges.
5. Your responsibility
You are solely responsible for the accuracy of data you enter, regular backups, secure device access, and compliance with applicable tax and legal requirements.
6. Disclaimer and limitation of liability
6.1 No substitute for financial advice. All displays, calculations, forecasts, simulations and "insights" are based solely on your input and simple math. They do not constitute recommendations, advice or assurances of any financial, tax, legal or economic nature. You make all financial decisions at your own risk.
6.2 No warranty. The App is provided "as is" and "as available". The Provider gives no warranty for uninterrupted availability, freedom from errors, accuracy of calculations, compatibility with future iOS versions, fitness for a particular purpose, or recovery of deleted data.
6.3 Limitation of liability. The Provider is liable without limitation only for intent, gross negligence, and where mandatory law does not permit limitation. For simple negligence, liability is limited to breach of essential contractual obligations and the typical, foreseeable damage. In no case does the Provider accept liability for lost profits, lost use, data loss (unless a backup was created), indirect or consequential damages, or damages caused by third parties who obtain device access.
6.4 Maximum liability. The Provider's total liability is limited in amount to the purchase price paid.
6.5 Exclusion for misuse. All liability is excluded for improper use, manipulation, or use by persons under 4 years of age.
7. Data protection
See the separate Privacy Policy. Summary: no personal data is collected. All data remains local on your device.
8. Availability and updates
The Provider endeavours to keep the App up to date. No right to specific updates or future iOS compatibility.
9. Changes
The Provider may change these Terms. Current version always at budwisea.com/terms.
10. Applicable law and jurisdiction
Swiss law applies, excluding CISG. Exclusive place of jurisdiction is the Provider's registered office, unless mandatory consumer protection law provides otherwise.
11. Severability
Invalidity of individual provisions does not affect the remaining Terms.
12. Apple-specific terms
These Terms are concluded exclusively between you and the Provider. Apple is not a party. Only the Provider is responsible for support and warranty. In case of App defects, you may notify Apple, and Apple will refund the purchase price; no further Apple warranty. Product liability, regulatory non-compliance, consumer protection and IP infringement claims are addressed exclusively by the Provider. Apple and its subsidiaries are third-party beneficiaries entitled to enforce these Terms.