Please read these terms carefully before using True Budget.
By accessing or using True Budget (the "Service"), whether through our website at truebudget.mikesapphub.com, our mobile application, or any associated platform, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy.
If you do not agree to these Terms, you must not create an account or use the Service. Your continued use of the Service after any changes to these Terms constitutes your acceptance of the revised Terms.
These Terms form a legally binding agreement between you and True Budget, operated under Mikes App Hub ("we", "us", or "our"), an Australian-based software provider.
True Budget is a personal finance management application that provides the following features:
To use True Budget, you must:
By creating an account you represent and warrant that you meet all eligibility requirements above.
You must register with a valid email address, create a unique username, and provide a secure password of at least 6 characters. Your email address must be verified before you can log in.
You are responsible for maintaining the confidentiality of your login credentials. You agree to:
We are not liable for any loss resulting from unauthorised use of your account that occurs before you notify us.
You agree to provide truthful, accurate, and up-to-date information at registration and to keep your profile information current. We reserve the right to suspend or terminate accounts where we reasonably believe information is false or misleading.
Each person may maintain one primary account. Creating duplicate accounts to circumvent plan limits, free trials, or suspension is prohibited.
True Budget offers subscription plans with different feature limits. Current pricing and plan details are displayed at registration and on our website. Prices are in Australian Dollars (AUD) and include GST where applicable.
New accounts may be eligible for a free trial period as displayed at the time of registration. Only one free trial is permitted per person. Trial eligibility is at our sole discretion and may be changed or withdrawn at any time.
Paid subscriptions are billed in advance on a monthly or annual basis via Stripe, our third-party payment processor. By providing payment details, you authorise us to charge the applicable subscription fee on your chosen billing cycle.
You may cancel your subscription at any time through the billing portal accessible from your account settings. Upon cancellation:
Refunds are not provided for change of mind. However, if the Service fails to meet a consumer guarantee under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010), you may be entitled to a remedy. Contact us to discuss your situation.
We may change subscription pricing with at least 30 days' notice via email. Continued use after a price change takes effect constitutes acceptance of the new pricing.
If a payment fails, we will notify you by email. Repeated failed payments may result in suspension or downgrade of your account to a free tier.
You agree not to use the Service to:
We reserve the right to investigate any suspected violations and to take appropriate action, including account suspension or termination and referral to law enforcement authorities.
True Budget is a manual data-entry tool. We do not connect to your bank, financial institution, or any third-party financial data feed. All account balances, transactions, and financial information are entered entirely by you.
You are solely responsible for the accuracy, completeness, and legality of all data you enter into the Service. We accept no liability for decisions made based on information recorded in True Budget.
Reports, summaries, charts, and budget indicators provided by the Service are for personal organisational purposes only and do not constitute financial, accounting, investment, or tax advice. True Budget is not a registered financial adviser or accountant. Always seek professional advice for significant financial decisions.
While we maintain regular backups of our infrastructure, you are responsible for exporting and maintaining your own copies of your financial data. CSV export is available from the Transactions page. We are not liable for data loss due to user error or circumstances beyond our reasonable control.
The Family Hub feature allows you to invite other registered True Budget users to share access to specific accounts with defined permissions. By using the Family Hub:
We reserve the right to restrict or remove Family Hub access in cases of suspected abuse.
The True Budget name, logo, design, software, documentation, and all content provided by us are our intellectual property or that of our licensors and are protected by Australian and international copyright, trademark, and other laws. You may not copy, reproduce, or create derivative works from our content without express written permission.
You retain ownership of all financial data, transaction records, and personal information you enter into the Service ("User Content"). You grant us a limited, non-exclusive licence to store, process, and display your User Content solely to provide and improve the Service.
We will not sell or commercially exploit your User Content for advertising or marketing purposes.
To the maximum extent permitted by law, the Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:
To the fullest extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Where our liability cannot be excluded under the Australian Consumer Law, our total liability to you for any claim arising from the Service is limited to the greater of (a) the amount you paid for the Service in the 3 months preceding the claim, or (b) AUD $50.
You may close your account at any time by contacting us at support@truebudget.mikesapphub.com. Upon closure, your data will be retained for 90 days and then permanently deleted, unless we are required by law to retain it longer.
We may suspend or terminate your account immediately, without prior notice or liability, if:
Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination will do so.
We may update these Terms from time to time. When we make material changes, we will notify you by:
The revised Terms will take effect on the date stated in the notice. If you do not agree to the updated Terms, you must stop using the Service before the effective date.
These Terms are governed by the laws of the State of Queensland, Australia, without regard to conflict of law principles. You irrevocably submit to the exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia for any disputes arising out of or relating to these Terms or the Service.
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severed and shall not affect the validity or enforceability of the remaining provisions.
If you have questions about these Terms, please contact us:
We aim to respond to all enquiries within 5 business days.