BudgetLoop Terms of Use

Last updated: 5 August 2026

1. Who these terms are with

BudgetLoop ("the app") is developed and published by CEM GOKCE, a sole proprietor based in the Netherlands ("the developer", "we", "us"). Contact: ecomcg90@gmail.com.

These Terms of Use ("Terms") are an agreement between you and the developer. By downloading or using BudgetLoop, you agree to them. If you do not agree, please do not use the app.

2. Apple's Standard EULA

Apple's Standard End User Licence Agreement is the licence agreement for BudgetLoop, and you can read it at apple.com/legal/internet-services/itunes/dev/stdeula. These Terms only explain how the app works and what you can expect from it; they do not replace that agreement. Where anything here and Apple's Standard EULA conflict, Apple's Standard EULA prevails.

Your use of the App Store is also subject to Apple's Media Services Terms and Conditions, which are between you and Apple, not us.

3. Licence to use the app

Your licence to install and use BudgetLoop is granted by Apple's Standard EULA and the App Store Usage Rules, not by this page. In short: you are licensed to use the app on Apple-branded devices you own or control, you do not buy the app itself, and all rights in the app remain with the developer.

You agree not to: copy, sell, rent, sublicense, or redistribute the app; reverse-engineer, decompile, or disassemble it except to the extent that applicable law expressly permits this despite the restriction; remove or alter any notices in it; or use it in a way that breaks the law.

The app requires iOS 17.0 or later on iPhone.

4. What BudgetLoop is, and what it is not

BudgetLoop is a manual budgeting tool. You type in your income and expenses, and it does arithmetic on the numbers you give it and shows them back to you in summaries and charts.

BudgetLoop is not financial, tax, accounting, investment, or legal advice, and nothing in the app is a recommendation to take or avoid any financial action. It is not a bank, a payment service, or a bookkeeping system, and it does not connect to your bank accounts or import transactions.

The numbers the app shows are only as accurate as the numbers you enter. Do not rely on the app as your sole record for tax returns, loan applications, official accounts, or any other purpose where accuracy is legally or financially important. If you need advice about your finances or taxes, please speak to a qualified professional.

5. Free trial

BudgetLoop starts with a 7-day free trial with all features unlocked. The trial begins when you first launch the app and is tracked on your device; it does not require a purchase, a payment method, or a subscription to start, and it does not automatically turn into a paid subscription.

The date of your first launch is stored on your device (including in the iOS Keychain) so the trial cannot be restarted by deleting and reinstalling the app. One trial per device.

When the trial ends and you have not purchased, the app asks you to unlock it. Your data is not deleted and is not locked away: you can still open the app, look at everything you have entered, and export your transactions to CSV. What stops is adding new transactions and continued use of the paid features, until you buy one of the options below.

6. Purchase options

There are two ways to unlock BudgetLoop permanently or on a yearly basis:

• Lifetime unlock, a one-time purchase. No recurring charge, no renewal.
• Yearly subscription, an auto-renewing subscription billed once a year.

Both unlock the same features. Prices are shown in the app and on the App Store in your local currency, as supplied by Apple; they vary by country and can change. The price displayed at the moment you confirm the purchase is the price that applies.

"Lifetime" means for as long as the app remains available and functional on your device and your Apple Account; it is not a promise that the app will be published or supported forever.

7. Billing, auto-renewal, and cancellation

All purchases are made through Apple, using your Apple Account. Apple is the seller for App Store transactions and handles payment, taxes, and receipts. The developer never sees or receives your payment details.

For the yearly subscription:

• Payment is charged to your Apple Account when you confirm the purchase.
• The subscription renews automatically each year unless you cancel it at least 24 hours before the end of the current period.
• Your Apple Account is charged for the renewal within 24 hours before the end of the current period, at the then-current price.
• You keep access for the full period you have paid for, even if you cancel immediately after purchase.

To cancel: open iOS Settings → tap your name → Subscriptions, select BudgetLoop, and tap Cancel Subscription. You can also do this from the App Store app. Cancellation is managed by Apple, and the developer cannot cancel a subscription on your behalf, and deleting the app does not cancel it.

You can restore a previous purchase on a new or reset device with "Restore purchases" in the app's Settings, using the same Apple Account.

8. Refunds

Refunds are handled by Apple, not by the developer, under Apple's own terms. Request one at reportaproblem.apple.com or through iOS Settings → your name → Media & Purchases → View Account → Purchase History. The developer cannot issue, approve, or block a refund.

If you are a consumer in the EU, the EEA, or the UK, any statutory right of withdrawal you have for digital content is exercised against Apple as the seller of the transaction, through the same channel. Apple's decision on a refund request is Apple's to make. If you think something in the app is genuinely broken, please email ecomcg90@gmail.com, we would rather fix it.

9. Your data and your backups

Everything you enter into BudgetLoop is stored only on your device. There is no server, no account, and no cloud copy held by the developer. This is a deliberate privacy choice, and it has one important consequence:

Your data is your responsibility. If you lose your iPhone, reset it, or delete the app, your BudgetLoop data goes with it and the developer cannot recover it, because there is no copy to recover from. To protect yourself:

• keep iPhone or iCloud backups switched on, and
• export your transactions to CSV from Settings from time to time and keep the file somewhere safe.

How the app handles data is described in full in the Privacy Policy.

10. Acceptable use

Use BudgetLoop for your own personal or business budgeting. Do not use it to store data you have no right to hold, and do not attempt to interfere with the app's functionality, its trial mechanism, or its purchase verification.

You must be old enough to form a binding contract in your country and to hold an Apple Account, or have the consent of a parent or guardian.

11. Availability, updates, and changes

We aim to keep BudgetLoop working on current versions of iOS, but the app is provided as-is and we do not guarantee uninterrupted availability, that every bug will be fixed, or that the app will remain compatible with every future iOS release or device.

Features may be added, changed, or removed in updates. If a change materially reduces what a paid unlock gives you, we will say so in the App Store release notes. We may stop distributing or supporting the app; if that happens, apps already installed continue to work for as long as they remain compatible with your device.

12. Warranties

Beyond what the law requires, the app is provided "as is" and "as available", without additional warranties of any kind, including that it will be error-free, uninterrupted, or fit for a particular purpose you have in mind.

This does not affect your statutory rights. If you are a consumer, you have non-waivable rights under Dutch law and EU consumer law, including the conformity requirements for digital content and digital services under Book 7 of the Dutch Civil Code implementing Directive (EU) 2019/770, that the app must correspond to its description and work as a reasonable consumer may expect. Nothing in these Terms limits or excludes those rights, and where any clause here conflicts with them, the statutory rights win.

13. Limitation of liability

To the extent permitted by law, the developer is not liable for indirect or consequential loss arising from your use of the app, for example loss of profits, loss of business, or the consequences of a financial decision you made using figures shown in the app. Where the developer is liable, liability is limited to the amount you paid for the app in the 12 months before the event, unless the law requires otherwise.

What is not excluded. Under Dutch and EU law some liability simply cannot be limited, and this section does not attempt to limit it. In particular, nothing in these Terms excludes or restricts liability for:

• death or personal injury caused by the developer's negligence;
• the developer's intent or deliberate recklessness (opzet of bewuste roekeloosheid);
• fraud or fraudulent misrepresentation;
• a consumer's statutory remedies for non-conformity of digital content; or
• any other liability that cannot lawfully be excluded or limited.

If a court finds any part of this section unenforceable, the rest of it still applies.

14. Apple's position

Apple is not a party to these Terms and has no responsibility for BudgetLoop. To the extent Apple's App Store terms require it, you acknowledge that:

• these Terms are between you and the developer only, not with Apple;
• the developer, not Apple, is solely responsible for the app and its content;
• Apple has no obligation to provide any maintenance or support for the app;
• if the app fails to conform to any applicable warranty, you may notify Apple and Apple may refund the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation for the app, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to a warranty are the developer's responsibility;
• the developer, not Apple, is responsible for addressing any claim by you or a third party relating to the app, including product liability claims, claims that the app fails to conform to a legal or regulatory requirement, and claims under consumer protection or similar legislation;
• the developer, not Apple, is responsible for the investigation, defence, settlement, and discharge of any third-party claim that the app infringes that third party's intellectual property rights;
• you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and you are not on any U.S. Government list of prohibited or restricted parties;
• you must comply with any applicable third-party terms of agreement when using the app.

Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

15. Termination

You can end this agreement at any time by deleting the app from your device. Note that deleting the app does not cancel an active subscription; cancel that in iOS Settings (see section 7).

If you seriously breach these Terms, your right to use the app under Apple's Standard EULA may end. Termination does not by itself entitle you to a refund; refunds remain a matter for Apple.

16. Governing law and disputes

These Terms are governed by the laws of the Netherlands, and disputes will be brought before the competent Dutch courts.

If you are a consumer resident elsewhere in the EU or the EEA, this choice of law does not deprive you of the protection of the mandatory consumer laws of your own country of residence, and you may bring proceedings in the courts of your country of residence where the applicable rules give you that right.

EU consumers can also use the European Commission's consumer information and dispute resources at consumer-redress.ec.europa.eu. Before any of that, please just email us, most things are quicker to fix directly.

17. Changes to these Terms

These Terms may be updated, for example when the app changes or the law does. The current version is always the one published at this address, and the "last updated" date at the top will change. Material changes will be noted in the App Store release notes for the version that introduces them. Continuing to use the app after an update means you accept the updated Terms; if you do not accept them, please stop using the app.

18. General

If any provision of these Terms is found invalid or unenforceable, the remaining provisions stay in force. Failing to enforce a provision is not a waiver of it. Apple's Standard EULA, together with these Terms and the Privacy Policy, are the whole agreement between you and the developer about the app.

19. Contact

• CEM GOKCE, sole proprietor, Netherlands
• ecomcg90@gmail.com
• App: BudgetLoop (com.budgetloop.app)

A postal address and Chamber of Commerce (KvK) number are available on request for formal correspondence.