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Terms of Service

Last updated: 7 July 2026

These Terms of Service (“Terms”) are a legal agreement between you and Kiran Dev Pararasasingam (“Bud”, “we”, “us”) governing your use of the Bud application and services (the “Service”). By downloading or using Bud, you agree to these Terms. If you do not agree, do not use the Service.

1.Acceptance & eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use Bud. By using the Service you represent that you meet this requirement and that the information you provide is accurate.

2.Licence to use Bud

Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to download and use Bud on devices you own or control, for your personal, non-commercial use. You may not copy, modify, reverse-engineer, resell or distribute the Service except as permitted by law.

3.Your account

If you create an account, you are responsible for keeping your credentials secure and for activity under your account. Notify us promptly of any unauthorised use.

4.Subscriptions & billing

Bud offers optional paid subscriptions (“Bud Premium”). Purchases are processed by the App Store, not by us directly.

5.Acceptable use

You agree not to: use the Service unlawfully; upload content you have no right to share; attempt to disrupt, overload, or gain unauthorised access to the Service; or use it to infringe others’ rights. We may suspend accounts that violate these Terms.

6.Not financial advice

Bud is a personal budgeting and expense-tracking tool. Its insights, projections and “Ask Bud” responses are for informational purposes only and are not financial, investment, tax or legal advice. Figures may be estimates and can contain errors. Always verify important numbers and consult a qualified professional before making financial decisions. You are solely responsible for your financial choices.

7.Your content

You retain ownership of the data you add to Bud (“Your Content”). You grant us a limited licence to process Your Content solely to operate and provide the Service to you, as described in our Privacy Policy. You are responsible for the accuracy and legality of Your Content.

8.Intellectual property

Bud, including its software, design, logos and content (excluding Your Content), is owned by us or our licensors and protected by intellectual-property laws. These Terms grant you no rights in our trademarks or branding.

9.App stores & third parties

The Service is made available through the Apple App Store (and may later be available through Google Play). You also agree to the applicable store’s terms. You acknowledge that:

10.Disclaimers

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or that figures will be accurate.

11.Limitation of liability

To the maximum extent permitted by law, we and our suppliers will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of data, profits or savings, arising from your use of the Service. Our total liability for any claim relating to the Service will not exceed the greater of the amount you paid us in the 12 months before the claim or USD 50. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

12.Indemnification

You agree to indemnify and hold us harmless from claims and expenses arising out of your misuse of the Service or violation of these Terms, to the extent permitted by law.

13.Termination

You may stop using Bud and delete your account at any time. We may suspend or terminate access if you breach these Terms or where necessary to protect the Service. Provisions that by their nature should survive termination (e.g. IP, disclaimers, liability limits) will survive.

14.Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new “Last updated” date and provide notice of material changes. Continued use after changes take effect constitutes acceptance.

15.Governing law

These Terms are governed by the laws of Malaysia, without regard to conflict-of-laws rules. Disputes will be subject to the exclusive jurisdiction of the courts of Malaysia, unless mandatory local law provides otherwise.

16.Contact

Kiran Dev Pararasasingam
2, Jalan Seksyen 314
Kajang, Selangor 43000, Malaysia
Email: support@budhq.app