Terms of Service

1. Agreeing to these terms

MADBU is operated by Saveure LLC, doing business as MADBU ("MADBU", "we", "us"). By creating an account or using madbu.com or the MADBU app, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use MADBU.

2. Who can use MADBU

You must be at least 18 years old and able to enter a binding agreement. Bank connection is offered for accounts at United States financial institutions.

3. Your account

• Give accurate details when you sign up and keep your email address current.
• Keep your password private. You are responsible for what happens under your account.
• Tell us straight away at contact@madbu.com if you think someone else has got into your account.
• One person per account. Do not share a login.

4. Plans, billing and cancelling

MADBU has a free plan and two paid plans, MADBU+ and MADBUMAX. What each plan includes and its current price are shown on the pricing page.

• Free trial: where a free trial is offered it is available once per account. Unless you cancel before it ends, your paid plan starts and your card is charged when the trial finishes.
• Renewal: paid plans renew automatically every month or every year, depending on the option you chose, at the price shown when you subscribed, until you cancel.
• Cancelling: cancel at any time under Profile, Plan and billing. Your paid features stay on until the end of the period you have paid for, then your account moves to the free plan. Nothing you have logged is deleted.
• Changing plan: when you switch between plans or between monthly and yearly, the difference is prorated and billed or credited at the time of the switch.
• Refunds: except where the law requires otherwise, payments are not refunded for a period that has already started. If you think you were charged by mistake, email us within 30 days and we will look into it and put right any error. See the Refund Policy.
• Price changes: if we change the price of your plan we will tell you by email before your next renewal, and you can cancel before the new price applies.
• After a downgrade: items above the limits of your new plan become read only. They are never deleted for you.
• Taxes: prices may not include sales tax, which is added at checkout where it applies.

Payments are processed by Stripe. If a payment fails we may try again and may move your account to the free plan if it cannot be collected.

5. Bank connection through Plaid

Bank connection is an optional MADBUMAX feature provided through Plaid Inc. ("Plaid").

• Your authorization: when you connect a bank, you authorize MADBU and Plaid to access and transmit your account and transaction information from that institution on your behalf, as described in our Privacy Policy and the Plaid End User Privacy Policy.
• Your accounts only: connect only accounts that you own or are authorized to access.
• Read only: the connection lets MADBU read balances and transactions. MADBU cannot move money, make payments or change anything at your bank.
• Your bank login: you sign in on a screen provided by Plaid or your bank. MADBU never receives your online banking password.
• Accuracy and timing: bank data comes from your institution through Plaid. It can be delayed, incomplete or categorized wrongly, and a bank may stop supporting connections at any time. Check important figures against your bank's own statements. MADBU is not your bank and holds none of your money.
• Limits: a plan may limit how many banks you can connect at once.
• Stopping: you can disconnect a bank at any time. A connection also ends if you leave MADBUMAX, delete your account, or if we or Plaid need to suspend it for security or legal reasons.

6. AI features

The AI money coach, Ask MADBU and type-to-log use an artificial intelligence model to produce answers from your figures. Answers are generated automatically, are not reviewed by a person and can be inaccurate or incomplete. Do not rely on them as your only basis for a financial decision. Fair use limits apply to the number of AI requests per day.

7. Not financial advice

MADBU is a tool for tracking and planning your own money. Everything in the app and on the site, including forecasts, the debt payoff planner, market information, articles and AI answers, is general information for education. It is not financial, investment, tax, legal or accounting advice, and it does not take account of your full circumstances. Using MADBU does not make us your financial adviser. Speak to a qualified professional before making important financial decisions.

8. Acceptable use

You agree not to:

• use MADBU for anything unlawful or to store information about other people without their permission;
• try to get into accounts, data or systems that are not yours, or test our security without written permission;
• scrape, overload or interfere with the service, or get around plan limits or usage limits;
• copy, resell or reverse engineer MADBU, except where the law gives you that right.

9. Your content and ours

Your entries, budgets, goals and notes belong to you. You give us permission to store and process them only so that we can run MADBU for you, as set out in the Privacy Policy. You can export your entries or delete your account at any time.

The MADBU name, logo, design, software and written content belong to Saveure LLC and are protected by law. We give you a personal, non transferable right to use the app for your own budgeting while you follow these terms.

10. Services from other companies

Some parts of MADBU depend on other companies, including Plaid for bank connections, Stripe for payments and an AI provider for AI features. Your use of those parts is also subject to that company's own terms and privacy policy. We are not responsible for outages or errors in services we do not control, though we will work to restore anything that breaks.

11. Ending your account

You can stop using MADBU and delete your account at any time under Profile, Danger zone. We may suspend or close an account that breaks these terms, puts other users or the service at risk, or where the law requires it. Where we reasonably can, we will warn you first and give you the chance to export your data.

12. Disclaimers

MADBU is provided "as is" and "as available". To the extent the law allows, we make no promises that the service will be uninterrupted, free of errors, or that figures, forecasts, categories, bank data or AI answers will be accurate or complete. You are responsible for your own financial decisions.

13. Limit of liability

To the extent the law allows, Saveure LLC and its owners and staff are not liable for indirect, incidental, special or consequential losses, or for lost profits, lost savings or lost data, arising from your use of MADBU. Our total liability for any claim connected with MADBU is limited to the greater of the amount you paid us in the 12 months before the claim arose or 50 US dollars. Some places do not allow these limits, so parts of this section may not apply to you.

14. Governing law

These terms are governed by the laws of the State of Florida, United States, without regard to its conflict of law rules. Any dispute that cannot be settled between us will be brought in the state or federal courts located in Florida, unless the law where you live gives you the right to bring it elsewhere.

15. Changes to these terms

We may update these terms as MADBU changes. We will update the date at the top, and for significant changes we will tell you in the app or by email before they take effect. If you keep using MADBU after that date, you accept the updated terms.

16. Contact us

Saveure LLC, doing business as MADBU
1070 Montgomery Rd Unit 2101, Altamonte Springs, FL 32714
contact@madbu.com