Terms of Service

Effective date: 6 July 2026

These Terms of Service ("Terms") are an agreement between you and Unitech Consultancy Services ("we", "us"). They govern your use of the Smart Budget Tracker website and the Smart Budget Tracker applications — Basic, Premium, and Business editions (the "Apps"). By using the website or the Apps, you agree to these Terms.

1. The service

Smart Budget Tracker is personal budgeting software. The Apps run locally in your browser and store your data on your own device. The Basic edition is free; the Premium and Business editions are paid products distributed through Gumroad and unlocked with a license key.

2. Licenses

• Basic (free): we grant you a personal, non-exclusive, non-transferable license to use the Basic edition free of charge.
• Premium and Business (paid): upon purchase, we grant you a personal, non-exclusive, non-transferable license to install and use the edition you bought. One license key may be activated on up to 5 devices belonging to the license holder (or, for Business, users within the purchasing organisation, up to the same limit).
• Lifetime Access (where offered) means a one-time payment covering use of that edition, including updates we release for it, for as long as we make the product available. It is a license for the product's lifetime, not a promise of perpetual development.

You may not resell, redistribute, sublicense, share license keys, remove or bypass license verification, or claim the software as your own. We may revoke a license without refund if its key is obtained fraudulently, shared publicly, or if the purchase is refunded or charged back.

3. Purchases and payments

Paid editions are sold through Gumroad, which acts as the merchant of record and processes your payment under its own terms. Prices are shown before purchase and may change for future sales; changes never affect a purchase you have already made. Applicable taxes may be added at checkout by Gumroad depending on your location.

4. Refund policy

If a paid edition doesn't work as described on this website, contact us within 14 days of purchase at palanister@gmail.com with a description of the problem, and we will help you fix it or issue a full refund through Gumroad. Refunds may be declined where a license key has been shared or the activation limit abused. When a purchase is refunded or charged back, its license key is deactivated and the software must no longer be used. Nothing in this policy limits any non-waivable rights you have under consumer-protection law in your country.

5. Your data and responsibility for backups

Your budget data is stored only on your device (see our Privacy Policy). You are responsible for keeping backups using the export features built into the Apps. If you enable password protection, your data is encrypted with a key derived from your password — if you forget the password, neither you nor we can recover the data. Clearing your browser's site data will also delete App data.

6. Acceptable use

You agree not to use the website or Apps to break the law, to attempt to disrupt or overload our website or the license-verification service, to misrepresent the software's origin, or to reverse-engineer the paid editions except where the law expressly permits it.

7. Not financial advice

Smart Budget Tracker is a record-keeping and planning tool. Nothing on the website or in the Apps — including reports, charts, budget suggestions, or blog/newsletter content — is financial, investment, tax, or legal advice. Calculations depend on the data you enter and may contain errors; verify important figures before making financial decisions, and consult a qualified professional where appropriate.

8. Intellectual property

The website, the Apps, and all related branding, design, and code are owned by us and protected by law. These Terms give you a license to use the software; they do not transfer ownership. Feedback you send us may be used to improve the product without obligation to you.

9. Third-party services

The website and Apps rely on third-party services — Gumroad for payments and license verification, YouTube for the demo video, and content-delivery networks for fonts and open-source libraries. We are not responsible for those services, and their availability may affect features such as first-time license activation (which requires an internet connection once).

10. Disclaimer of warranty

The website and Apps are provided "as is" and "as available" without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, or uninterrupted availability, to the maximum extent permitted by law.

11. Limitation of liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental, special, or consequential damages, or for loss of data, profits, or savings, arising from your use of the website or Apps. Our total liability for any claim is limited to the amount you paid us for the product in the 12 months before the claim (or ₹1,000 if you paid nothing). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Changes to the service and these Terms

We may improve, change, or discontinue features over time, and we may update these Terms. The current version will always be posted on this page with its effective date; material changes will be highlighted on the website. Continuing to use the website or Apps after changes take effect means you accept the updated Terms.

13. Termination

You may stop using the Apps at any time. We may suspend or terminate your license if you materially breach these Terms (including license-key sharing or chargeback abuse). Sections that by their nature should survive — including 5, 7, 8, 10, and 11 — survive termination.

14. Governing law

These Terms are governed by the laws of India, and disputes are subject to the exclusive jurisdiction of the courts of Chennai, Tamilnadu, without prejudice to mandatory consumer-protection rules that apply in your place of residence.

15. Contact

Unitech Consultancy Services
90/3, Eldams Road, Teynampet, Chennai-600018
Email: palanister@gmail.com