Terms of Service

1. Agreement to Terms

By accessing or using BudgetForge AI ("Service"), a product of QWF GROUP LLC (owned by Carina Freeman, "Company", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the Service.

2. Description of Service

BudgetForge AI is a desktop budgeting software that provides:

• Offline financial management tools
• Budget planning and tracking features
• AI-powered financial insights
• Data export and import capabilities
• 100% local data storage on your device

3. License to Use

Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, limited license to download, install, and use BudgetForge AI for your personal, non-commercial use.

This license does not allow you to:

• Modify, reverse engineer, or decompile the software
• Use the software for commercial purposes without authorization
• Distribute or sell copies of the software
• Remove any proprietary notices or labels

4. User Responsibilities

You are responsible for:

• Maintaining the confidentiality of your data
• All activities that occur under your installation
• Backing up your financial data regularly
• Ensuring your use complies with all applicable laws
• The accuracy of your financial information

5. Intellectual Property

BudgetForge AI, including its original content, features, and functionality, is owned by QWF GROUP LLC and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. Privacy and Data

Your use of BudgetForge AI is also governed by our Privacy Policy. Key points:

• Your financial data remains 100% local on your device
• We do not have access to your financial information
• We collect minimal analytics for service improvement
• You maintain full control over your data

7. Disclaimers

No Financial Advice: BudgetForge AI provides tools for financial management but does not provide financial, investment, tax, legal, or accounting advice. Consult qualified professionals for such advice.

As-Is Basis: The Service is provided "as is" and "as available" without warranties of any kind, either express or implied.

8. Limitation of Liability

To the maximum extent permitted by law, QWF GROUP LLC, Carina Freeman, and our affiliates, officers, employees, agents, partners, and licensors shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Any damages resulting from your use or inability to use the Service
• Any unauthorized access to or alteration of your data

9. Indemnification

You agree to defend, indemnify, and hold harmless QWF GROUP LLC, Carina Freeman, and our affiliates from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Service or violation of these Terms.

10. Updates and Modifications

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide notice prior to any new terms taking effect.

11. Open Source Components

BudgetForge AI includes open source components. These components are subject to their own licenses, which can be found in the software documentation.

12. Termination

We may terminate or suspend your license immediately, without prior notice, for any breach of these Terms. Upon termination, your right to use the Service will immediately cease.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Texas, United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Travis County, Texas.

14. Contact Information

For questions about these Terms, please contact us:

15. Entire Agreement

These Terms constitute the entire agreement between you and QWF GROUP LLC regarding the use of BudgetForge AI and supersede any prior agreements.