Terms of Use

1 Welcome to Holy Budget

These Terms of Use (“Terms”) govern your access to and use of the Holy Budget website located at holybudget.explorism.blog (“the Site,” “we,” “our,” or “us”). By creating an account or using any part of the Site, you agree to be bound by these Terms. If you don’t agree, please don’t use the service.

Holy Budget is a free, web-based personal budgeting tool. It is provided as-is, at no cost, for personal and non-commercial use.

2 Eligibility

You must be at least 13 years of age to create an account and use Holy Budget. If you are under 18, you confirm that you have permission from a parent or legal guardian to use this service.

By using the Site, you represent that the information you provide during registration is accurate and that you will keep it up to date.

3 Your Account

When you register, you create a personal account protected by a password. You are responsible for keeping your login credentials secure and for all activity that occurs under your account.

Please notify us immediately if you believe your account has been accessed without your permission. We are not liable for any loss resulting from unauthorized use of your account.

4 What You Can Do

Holy Budget is intended for personal, non-commercial use. You may use it to:

• Log your income, expenses, and savings.
• View your financial summaries, charts, and trends.
• Access your data from any device using your account.
• Choose and change your preferred currency.

We encourage responsible and honest use of the tool for your own personal financial awareness.

5 What You Cannot Do

When using Holy Budget, you agree not to:

• Use the Site for any illegal, fraudulent, or harmful purpose.
• Attempt to gain unauthorized access to other users’ accounts or data.
• Interfere with, disrupt, or overload the Site’s servers or infrastructure.
• Scrape, crawl, or use automated tools to extract data from the Site.
• Redistribute, resell, or commercially exploit the Site or its code.
• Upload malicious code, spam, or content that violates any law.
• Impersonate another person or misrepresent your identity.

Violation of these rules may result in immediate suspension or termination of your account.

6 Your Data

All budget data you enter — transactions, categories, amounts, notes, and your currency preference — is stored securely in your account on this Site. We do not sell, share, or monetize your data in any way.

You retain full ownership of the financial data you enter. We simply store it so the tool can work for you.

You may request deletion of your account and all associated data at any time by contacting us.

7 Not Financial Advice

Holy Budget is a tracking and visualization tool, not a financial advisor. The charts, figures, savings rates, and summaries shown are based entirely on the data you enter.

We do not provide investment advice, tax guidance, or financial planning services. For professional financial advice, please consult a qualified financial advisor.

We make no guarantees about the accuracy of calculations if incorrect data is entered.

8 Service Availability

We do our best to keep Holy Budget available around the clock, but we do not guarantee uninterrupted access. The Site may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control.

We reserve the right to modify, suspend, or discontinue any part of the service at any time, with or without notice. If we permanently shut down the service, we will make reasonable efforts to give you time to export your data.

9 Intellectual Property

All content on this Site — including the design, logo, text, code, graphics, and user interface — is owned by Holy Budget or its creator and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, or create derivative works from any part of the Site without prior written permission, except for your own personal use of the budgeting tool as intended.

10 Limitation of Liability

Holy Budget is provided “as is” and “as available,” without warranties of any kind, either express or implied. To the fullest extent permitted by law:

• We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site.
• We are not responsible for any financial decisions you make based on data shown in the tool.
• We are not liable for data loss due to technical failures, though we make reasonable efforts to prevent it.

Your use of the Site is at your own risk.

11 Account Termination

You may stop using Holy Budget and delete your account at any time by contacting us.

We reserve the right to suspend or terminate accounts that violate these Terms, engage in abusive behavior, or compromise the security of the Site. In such cases, we may delete the associated data without prior notice.

12 Changes to These Terms

We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

For significant changes, we will make reasonable efforts to notify you — such as displaying a notice on the Site.

13 Governing Law

These Terms are governed by and interpreted in accordance with the laws of India. Any disputes arising from or relating to these Terms or the Site will be subject to the exclusive jurisdiction of the courts in Maslandapur, West Bengal, India.

14 Contact Us

If you have any questions, concerns, or requests related to these Terms, you can reach us through any of these channels:

Maslandapur, West Bengal, India