Terms of Service

1. Agreeing to these terms

These Terms of Service (“Terms”) are an agreement between you and OneAimSolutions (“we”, “us”) about your use of the GatoBudget app (“the app”). By creating an account or using the app, you agree to these Terms and to our Privacy Policy. If you don’t agree, please don’t use the app.

If you use the app on an iPhone or iPad, Apple’s standard Licensed Application End User License Agreement also applies. If these Terms and Apple’s agreement conflict, Apple’s agreement prevails on that point.

2. Who can use the app

You must be at least 13 years old (or the minimum age required in your country) to create an account. If you are under the age of legal adulthood where you live, a parent or guardian must agree to these Terms for you. Children can also be included in a family budget by a parent, without their own account.

3. Your account

• Give a real email address you can access, so you can reset your password.
• Keep your password private. You are responsible for what happens in your account.
• If you think someone else has used your account, change your password and contact us.
• The optional app lock (PIN, fingerprint or face) protects the app on your phone. If you forget your PIN, you can sign out and sign in again with your email and password.

4. Households and sharing

• A household is shared: every member can see the household’s budgets, expenses, bills and savings goals, and can add, edit or delete them.
• The person who creates a household is its owner. The owner can remove members and change permissions. If the owner deletes their account, ownership passes to another member.
• Invite codes let someone join your household for 48 hours. Only share them with people you want in your household. You can make a new code at any time, which stops the old one working.
• You are responsible for who you invite. Disagreements between household members are between those members.
• Choosing a currency changes how amounts are shown for the whole household. Amounts are not converted between currencies.

5. Your information

The budgets, expenses, notes and other information you enter belong to you. You give us permission to store, copy and display them only as needed to run the app for you and your household, as described in the Privacy Policy. You are responsible for what you enter. Don’t enter other people’s private information without their permission.

6. Not financial advice

The app helps you organise your own numbers. Features such as “Plan from salary”, suggested amounts, alerts and reports are general tools based on what you enter and on common budgeting rules. They are not financial, investment, tax or legal advice, and they may not suit your situation. Check important decisions yourself or with a qualified professional.

Reminders and alerts are helpers, not guarantees. They may arrive late or not at all (for example if notifications are turned off, the phone is off, or the system delays them). Always pay your bills on time regardless of reminders.

7. Acceptable use

Please don’t:

• try to access households, accounts or data that aren’t yours, or guess invite codes;
• interfere with, overload, reverse engineer or attack the app or its servers;
• use the app for anything illegal, including fraud or money laundering;
• use automated tools to create accounts or collect data;
• upload harmful code or content.

We may suspend or close accounts that break these rules or put other users at risk.

8. The service

• The core app is free to use. Some features are part of GatoBudget Premium, an optional paid subscription described in section 9. The price and renewal terms are shown to you before you buy.
• We work to keep the app available and your data safe, but we can’t promise it will always be available, error-free or that syncing will never be delayed. Please use Menu → Backup and reports to keep your own backups.
• We may update, change or stop features. If we ever shut the app down, we will give reasonable notice where possible so you can export your data.
• The app relies on third-party services (Google Firebase, Apple, Google Play), whose own terms also apply to your use of them.

9. Subscriptions (GatoBudget Premium)

• Plans. Premium is offered as a monthly or a yearly auto-renewable subscription. The price and length of each plan are shown on the Premium screen before you confirm. Prices may vary by country and currency.
• Payment. Payment is charged to your Apple ID (iPhone and iPad) or your Google Play account (Android) when you confirm the purchase. We do not receive or store your card or payment details.
• Automatic renewal. Your subscription renews automatically for the same period unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the current period ends, at the price then in effect. If the price changes, Apple or Google will tell you and, where required, ask for your consent.
• Managing and cancelling. You can manage or cancel your subscription at any time in your Apple ID account settings (Settings → your name → Subscriptions) or in Google Play (Payments & subscriptions → Subscriptions). You keep Premium until the end of the period you have already paid for. Deleting the app or your GatoBudget account does not cancel your subscription.
• Refunds. Purchases are processed by Apple or Google, so refund requests are handled by them under their policies.
• Restoring. If you reinstall the app or use a new device, tap “Restore purchases” on the Premium screen to get Premium back.
• Household sharing. Premium features may be available to members of your household as described on the Premium screen. Apple and Google control how a subscription may be shared under their own family-sharing rules.
• Changes. We may change which features are included in Premium. If we make a change that significantly reduces what you paid for, we will tell you in the app first.

10. Ownership and licences

The app, its design, code and name belong to us (except your own information). We give you a personal, non-transferable right to use the app on your devices for managing your household budget. The app includes third-party material under its own licences, including Microsoft Fluent Emoji (MIT Licence) and the Bricolage Grotesque and Manrope fonts (SIL Open Font Licence); the full texts are available in the app under About.

11. Ending your use

You can stop using the app at any time and delete your account in Menu → Delete account, or by following these steps. Remember to cancel any subscription separately (see section 9). What happens to household data when you leave is explained in the Privacy Policy. We may suspend or end your access if you seriously or repeatedly break these Terms, or if the law requires it. Sections 6, 10, 12, 13 and 14 continue to apply after your use ends.

12. Disclaimers

To the extent the law allows, the app is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including fitness for a particular purpose and accuracy of calculations based on the information you enter. Some places don’t allow certain disclaimers, so some of this may not apply to you.

13. Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental or consequential losses, or for lost money, missed payments, late fees, or lost data arising from your use of, or inability to use, the app. Our total liability for any claim about the app is limited to the amount you paid us for it in the 12 months before the claim. Nothing in these Terms limits liability that cannot be limited by law.

14. Governing law

These Terms are governed by the laws of Pakistan, and disputes will be handled by the courts of Lahore, Pakistan, unless the law of the country where you live gives you the right to bring a claim there. Before bringing a claim, please contact us so we can try to solve the problem.

15. Changes to these Terms

We may update these Terms. We will change the date at the top, and for important changes we will tell you in the app before they take effect. If you keep using the app after that, you accept the new Terms.

16. Contact

OneAimSolutions
Email: info@oneaimsolution.com
Website: oneaimsolution.com