Terms & Conditions

Last updated: May 24, 2026 · Rev. 2

1. Acceptance of Terms

By accessing or using Savvu Forecast ("the app," "we," "us," or "our"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, you must not use the app. You must be at least 18 years of age to use Savvu Forecast.

2. Description of Service

Savvu Forecast is a personal finance forecasting and budgeting tool with optional cloud sync. It is provided for personal, non-commercial use only. The app allows you to manually track accounts, transactions, budgets, categories, and project future cash flow across multiple devices. A free tier and a paid Pro subscription tier are available.

Important: Savvu Forecast does not connect to banks, financial institutions, brokerage accounts, or any external financial data provider. All financial data — including account balances, transactions, budgets, and goals — is entered manually by you. No financial data is imported, fetched, or synced automatically from any third party.

3. Account & Authentication

Savvu Forecast uses passwordless magic link authentication. By signing in, you confirm you are the owner of the email address provided. You are responsible for maintaining access to your email account and all activity that occurs under your account. You may not share your session token or allow others to access your account without authorization.

4. Household Sharing

Pro subscribers may invite additional members to share a household. Invited members will have access to all accounts, transactions, categories, and goals within the shared household. You are solely responsible for only inviting individuals you trust with your financial data. The household owner may remove members at any time. We are not responsible for any harm arising from household sharing arrangements.

5. Not Financial Advice

Savvu Forecast does not provide financial, investment, tax, legal, or accounting advice of any kind. All projections, forecasts, and calculations produced by the app are estimates based solely on data you manually enter. They are provided for informational and personal planning purposes only and do not constitute professional financial guidance. You should consult a qualified licensed financial advisor, accountant, or attorney before making any financial decisions. We expressly disclaim any responsibility for financial outcomes, losses, or decisions made based on use of this app.

6. Accuracy of Information

The accuracy of all forecasts, calculations, and outputs depends entirely on the accuracy of data manually entered by you. Savvu Forecast does not verify, validate, or cross-reference your data against any external source. We make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any output produced by the app. Errors in data entry may produce materially incorrect results.

7. User Responsibilities

You are solely responsible for:

• The accuracy and legality of all data you enter into the app.
• Maintaining the security of your email account and devices.
• Ensuring your use of the app complies with all applicable laws in your jurisdiction.
• All activity that occurs under your account.
• Any financial decisions made based on information displayed in the app.

8. Pro Subscription & Billing

By selecting a paid subscription tier, you agree to pay Savvu Forecast the specified fees using our third-party merchant of record, Lemon Squeezy, whose platform is powered by Stripe's payment infrastructure. When completing a transaction, you will be redirected to Lemon Squeezy's secure hosted checkout page. We are not liable or responsible for any network failures, processing errors, or technical downtime that occurs while you are browsing or using Lemon Squeezy's hosted checkout platform.

All subscriptions are billed on a recurring basis (monthly or annually) depending on the plan you select. Your subscription will automatically renew at the start of each billing cycle, and you authorize Lemon Squeezy to charge your designated payment method for the applicable renewal fees.

Cancellation: To prevent being charged for the next billing cycle, you must cancel your subscription at least 2 days prior to your scheduled renewal date through your account dashboard or by contacting support@savvuforecast.com. Cancellation takes effect at the end of the current billing period and you will retain Pro access until it ends.

Refunds: We offer a 30-day refund on your first subscription payment if you are not satisfied. To request a refund, email support@savvuforecast.com within 30 days of your initial charge. All other payments are non-refundable unless otherwise stated. We reserve the right to deny refund requests that appear fraudulent or abusive.

Price changes: We reserve the right to change subscription pricing at any time. You will be notified of price changes before they take effect on your account.

We reserve the right to revoke Pro access for accounts used in violation of these Terms.

9. Intellectual Property

All content, design, code, trademarks, and branding associated with Savvu Forecast are the intellectual property of their respective owners. You are granted a limited, non-exclusive, non-transferable license to use the app for personal purposes only. You may not reproduce, distribute, modify, reverse engineer, or create derivative works of any part of the app without explicit written permission.

10. Prohibited Uses

You may not use Savvu Forecast to: (a) violate any applicable law or regulation; (b) transmit harmful, fraudulent, or unlawful content; (c) attempt to gain unauthorized access to our systems; (d) resell, sublicense, or commercially exploit the service; (e) use automated tools to scrape or extract data from the app.

11. Customer Support & Acceptable Communications

We provide email-based customer support to assist users with technical issues and account inquiries. Support requests must be sent to support@savvuforecast.com.

While we make every reasonable effort to respond in a timely manner, we do not guarantee specific response times or resolutions, unless explicitly agreed upon under a separate paid Service Level Agreement (SLA).

We enforce a zero-tolerance policy regarding communication abuse. We reserve the right to immediately refuse support, restrict your communication access, or permanently terminate your account without a refund if you engage in behavior we deem:

• Abusive, defamatory, or threatening
• Harassing, profane, or obscene
• An intentional overload of our support system (spamming)

12. Disclaimer of Warranties

SAVVU FORECAST IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE APP IS ENTIRELY AT YOUR OWN RISK.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAVVU FORECAST AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, LOSS OF SAVINGS, FINANCIAL LOSS, OR BUSINESS INTERRUPTION — ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP, REGARDLESS OF THE CAUSE OR THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

14. Indemnification

You agree to indemnify, defend, and hold harmless Savvu Forecast and its owners, employees, and contractors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the app; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any financial decisions you make based on information from the app.

15. Dispute Resolution & Class Action Waiver

You agree that any dispute arising out of or relating to these Terms or your use of Savvu Forecast shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Texas in accordance with applicable arbitration rules, rather than in court. You waive any right to participate in a class action lawsuit or class-wide arbitration against Savvu Forecast. Nothing in this section prevents either party from seeking injunctive relief in court for intellectual property violations.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes not subject to arbitration shall be resolved exclusively in the state or federal courts located in Texas.

17. Service Availability & Termination

We reserve the right to modify, suspend, or discontinue the app or any feature at any time, with or without notice. We may terminate or suspend your account for violation of these Terms. Upon termination, your right to use the app ceases immediately.

18. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. The "Last updated" date will be revised accordingly. Continued use of the app after changes are posted constitutes your acceptance of the revised terms. For material changes, we will make reasonable efforts to notify users.

19. Contact

For questions about these Terms:
Email: support@savvuforecast.com
Website: savvuforecast.com