Terms of Service
Last Updated: April 15, 2026
1. Service Description
Alpha Budgeting ("the App") is a personal financial management application that helps you track your accounts, spending, and investments. The App includes AI-powered features for financial insights and voice-based interactions.
2. Important Disclaimers
⚠️ NOT INVESTMENT ADVICE
This App is for informational purposes only. We are NOT registered investment advisors, broker-dealers, or financial planners. Nothing in this App constitutes a recommendation to buy, sell, or hold any investment.
🤖 AI-GENERATED CONTENT
AI-generated analysis and insights may contain errors or inaccuracies. Always verify information independently before making financial decisions. The AI does not have access to real-time market data and cannot predict future performance.
📊 DATA ACCURACY
Financial data displayed depends on information provided by your linked institutions via Plaid and SnapTrade. We cannot guarantee the accuracy, completeness, or timeliness of this data.
3. Eligibility
- You must be at least 18 years old
- You must be a legal resident of the United States
- You must have the legal capacity to enter into this agreement
4. Your Responsibilities
- Provide accurate and complete information
- Keep your account credentials secure
- Make your own financial decisions
- Consult qualified professionals for financial, tax, or legal advice
- Report any unauthorized access to your account
5. Third-Party Services
The App integrates with third-party services:
- Plaid - For bank account connections
- SnapTrade - For brokerage account connections
- ElevenLabs - For voice AI features (data is anonymized)
- OpenAI - For AI analysis (data is anonymized)
Your use of these services is subject to their respective terms and privacy policies.
6. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE APP.
We are not responsible for any financial losses resulting from investment decisions made based on information provided by the App.
7. Dispute Resolution
Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in class action lawsuits.
8. Termination
You may terminate your account at any time by contacting us. We reserve the right to suspend or terminate your access for violation of these Terms or for any other reason at our discretion.
9. Changes to Terms
We may update these Terms from time to time. We will notify you of material changes via email or in-app notification. Continued use of the App after changes constitutes acceptance of the new Terms.
10. Contact Us
If you have questions about these Terms, please contact us at:
Email: legal@alphabudgeting.com