BentoMoney daily spending tracker logo BentoMoney

Terms of Use

Last Updated: December 15, 2025
Effective Date: December 15, 2025

IMPORTANT NOTICE: THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 15) THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.

1. Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Radu Negrean ("Developer," "we," "us," or "our"), governing your access to and use of the BentoMoney mobile application (the "App").

By downloading, installing, accessing, or using the App, you verify that you have read, understood, and agree to be bound by these Terms. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT DOWNLOAD, INSTALL, OR USE THE APP.

2. Nature of the Product (Offline Architecture)

BentoMoney is a privacy-first, personal finance tracking software product designed to assist users in organizing their financial data. The App is a downloadable software product, not a cloud-based service. You acknowledge and agree to the following:

2.1 Local Storage Only: The App operates on an "offline-first" architecture. All financial data, transaction records, and budgets are stored locally in a SQLite database on your specific device. We do not store, view, sync, or backup your data on any servers.

2.2 No Bank Connections: The App does not connect to bank APIs (e.g., Plaid, Yodlee) and does not automatically fetch transactions. All data must be manually entered or imported via CSV files by you.

2.3 No Cloud Backup: Because we do not store your data, we cannot recover your data if you lose your device, delete the App, or if your device is damaged. You are solely responsible for backing up your device and your App data.

2.4 No Account Required: The App does not require user registration, login credentials, or any personal information to function.

2.5 Data Export Security: The App includes features to export your data (e.g., CSV Export). You acknowledge that once data is exported from the App, it may be stored in an unencrypted format on your device or iCloud Drive. You are solely responsible for the security of any files you export.

3. No Financial Advice; No Fiduciary Duty

BENTOMONEY IS A DATA ORGANIZATION TOOL, NOT A FINANCIAL ADVISOR.

3.1 Informational Purposes Only: The App's features, including "Safe-to-Spend," "Windfall," "Daily Deficit," "Spending Trends," budget calculations, and analytics, are algorithmic calculations based solely on data you provide. They are for informational and organizational purposes only.

3.2 Not Professional Advice: The App does not provide financial, investment, legal, tax, or accounting advice. The App is not a substitute for the judgment of professional financial advisors, certified public accountants, or attorneys.

3.3 No Fiduciary Relationship: Your use of the App does not create a fiduciary, advisory, or professional relationship between you and the Developer.

3.4 Risk of Reliance: You agree that any financial decisions you make based on the App's calculations are made at your sole discretion and risk. We recommend consulting qualified financial professionals for significant financial decisions.

4. Accuracy of Data and Calculations

4.1 User-Supplied Data Only: The App does not connect to banks, financial institutions, or any external data sources. By default, the App contains no financial data and performs no calculations. All figures displayed in the App — including "Safe-to-Spend," "Available Today," "Available This Month," budgets, trends, and analytics — are derived exclusively from information you manually enter or import.

The App is only as accurate as the data you provide. You are solely responsible for:

  • The accuracy, completeness, and currency of all income, expenses, and transaction data you enter
  • Ensuring your records in the App match your actual bank statements and financial records
  • Regularly updating the App with new transactions
  • Correcting any data entry errors

If you enter inaccurate, incomplete, or outdated information, the App's calculations will be correspondingly inaccurate. We are not responsible for any consequences arising from calculations based on data you failed to enter, entered incorrectly, or failed to keep current.

4.2 "Safe-to-Spend" / "Available Today" Is Not Your Bank Balance: The amounts displayed in the App (including "Safe-to-Spend," "Available Today," "Available This Month," and similar figures) are estimates based solely on the data you have entered. These figures may not reflect your actual bank balance because they do not and cannot account for:

  • Transactions you have not yet manually entered or imported
  • Pending bank holds, checks that have not cleared, or pre-authorized payments
  • Bank fees, interest charges, automatic payments, or recurring charges you have not recorded
  • Errors or omissions in your data entry
  • Changes to your financial situation that you have not updated in the App

You must independently verify your actual bank balance before making spending decisions. We are not responsible for any overdraft fees, non-sufficient funds (NSF) fees, declined transactions, bounced payments, or any other charges or consequences you incur as a result of relying on the App's calculations without verifying your actual account balances.

4.3 CSV Import: The App provides tools to import CSV files. Due to the wide variance in bank file formats, we do not guarantee that imports will be error-free. You are responsible for verifying that imported transactions match your official bank statements.

4.4 No Guarantee of Accuracy: We do not guarantee the accuracy, completeness, reliability, or timeliness of any calculations, charts, trends, or other outputs generated by the App. Always verify important financial information against your actual bank statements and financial records.

4.5 iOS Home Screen Widgets: The App provides widgets for your device's home screen. You acknowledge that due to iOS limitations, widget data may be delayed ("stale") and may not reflect the most recent transactions entered in the main App. Always open the App to verify your budget status before making spending decisions.

4.6 Notifications: The App may send notifications regarding budget status or streaks. We do not guarantee the timely delivery of these notifications, which may be affected by device settings, "Do Not Disturb" modes, or iOS throttling.

5. Eligibility

By using the App, you represent and warrant that:

  • You have the legal capacity to enter into these Terms.
  • You will use the App only for lawful purposes and in accordance with these Terms.
  • You are not prohibited from using the App under any applicable laws.

6. Subscriptions, Payments, and Pricing

BentoMoney is free to use for 7 days. After the trial period, continued access requires a paid license.

6.1 Apple as Merchant of Record

All payments, including subscriptions and one-time purchases, are processed securely by Apple Inc. through the App Store. We do not collect, process, or store your payment information.

6.2 Available Plans

  • Annual Subscription: Auto-renewing yearly subscription
  • Lifetime Purchase: One-time payment for perpetual access

Prices are displayed in the App and may vary by region. Launch promotional pricing may be time-limited.

6.3 Free Trial

All users receive a 7-day free trial with full access to all features. At the end of the trial, you must purchase a subscription or lifetime license to continue using the App.

6.4 Annual Subscription Terms

  • Auto-Renewal: Your subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
  • Cancellation: You must cancel via your Apple ID Account Settings. Deleting the App does not cancel your subscription.
  • Cancellation Effect: If you cancel, you retain access until the end of your current billing period.

6.5 Lifetime Purchase Definition

The "Lifetime" purchase option grants you a perpetual, non-consumable license to access the App for the Commercial Life of the Product.

  • "Commercial Life" means the period during which the Developer makes the App available on the App Store.
  • No Guarantee of Future OS Compatibility: "Lifetime" access does not guarantee that the App will function indefinitely on future iOS versions or on future Apple devices if such updates require significant re-engineering of the App.
  • The Developer reserves the right to discontinue the App if it becomes technically or commercially unfeasible to maintain.
  • Effect of Discontinuance: In the event the App is discontinued, your "Lifetime" license is limited to the use of the App as it exists on your device at that time. We are under no obligation to provide refunds, updates, or continued support after discontinuance.

6.6 What Your Purchase Includes

Your purchase grants access to the App's features as they exist at the time of purchase. You acknowledge and agree that:

  • Payment represents access to current features only.
  • We make no promises, guarantees, or commitments regarding future features, updates, or enhancements.
  • We may update the App based on user feedback, but we are under no obligation to do so.
  • Future updates, if any, are provided at our sole discretion.

6.7 Grandfathered Pricing

  • Lifetime Purchase: Your one-time payment locks in access for the duration of the Commercial Life of the Product, as defined in Section 6.5. Future price changes for new purchasers do not affect you.
  • Annual Subscription: The price you pay at your initial subscription will remain your renewal price for as long as you maintain an active, uninterrupted subscription. However, if you cancel and later wish to resubscribe, you will be charged the then-current price.

6.8 Refunds

All refund requests must be directed to Apple Support at https://support.apple.com/billing or through the "Report a Problem" feature in your purchase history. The Developer does not have the ability to process refunds directly.

7. Intellectual Property and License

7.1 License Grant: Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial use on Apple-branded devices you own or control.

7.2 Ownership: The App, including its source code, "BentoMoney" name and brand, algorithms, visual design, icons, and widgets, is owned by the Developer and protected by United States and international copyright, trademark, and other intellectual property laws.

7.3 Restrictions: You may not:

  • Reverse engineer, decompile, disassemble, or attempt to extract the source code of the App
  • Copy, modify, adapt, translate, or create derivative works of the App
  • Rent, lease, lend, sell, sublicense, or distribute the App to any third party
  • Use the App to build a competitive product or service
  • Remove, alter, or obscure any proprietary notices on the App
  • Use the App for any commercial purpose or for the benefit of any third party

8. Feedback and Suggestions

If you provide us with any feedback, suggestions, ideas, or recommendations regarding the App ("Feedback"), you grant us a perpetual, worldwide, fully transferable, sublicensable, irrevocable, royalty-free license to use, reproduce, modify, create derivative works from, distribute, and otherwise exploit such Feedback for any purpose without compensation or attribution to you.

You acknowledge that we may already be developing features or ideas similar to your Feedback, and that this clause does not create any obligation for us to implement your suggestions or compensate you if we independently develop similar features.

9. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

THE DEVELOPER EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY — We do not warrant that the App is fit for sale or commercial use.
  • FITNESS FOR A PARTICULAR PURPOSE — We do not warrant that the App is suitable for your specific financial needs.
  • NON-INFRINGEMENT — We do not warrant that the App does not infringe third-party rights.
  • ACCURACY OR RELIABILITY — We do not warrant that any calculations, budgets, trends, widget data, or other information in the App is accurate, reliable, or complete.
  • ERROR-FREE OPERATION — We do not warrant that the App will operate without interruption, errors, bugs, or defects.
  • DATA PRESERVATION — We do not warrant that the App will preserve your data without loss or corruption.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

9.1 No Consequential Damages

IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, or income
  • Loss of data or data corruption
  • Business interruption
  • Overdraft fees, NSF fees, or bank charges
  • Failed or missed payments
  • Tax penalties or interest
  • Any other financial losses

ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF THE DEVELOPER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 Liability Cap

THE DEVELOPER'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU ACTUALLY PAID TO THE DEVELOPER FOR THE APP IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) TWENTY DOLLARS ($20.00).

This nominal cap applies to all users, including those using the App during the free trial period, and represents a liquidated remedy that preserves the enforceability of this Agreement.

9.3 Basis of the Bargain

YOU ACKNOWLEDGE THAT THE DEVELOPER HAS SET ITS PRICES AND ENTERED INTO THIS AGREEMENT IN RELIANCE UPON THE LIMITATIONS OF LIABILITY AND DISCLAIMERS OF WARRANTIES SET FORTH HEREIN, AND THAT THE SAME FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES. THE APP WOULD NOT BE PROVIDED AT ITS CURRENT PRICE WITHOUT THESE LIMITATIONS.

9.4 Jurisdictional Limitations and Non-Waivable Duties

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. IN SUCH JURISDICTIONS, THE DEVELOPER'S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

NOTHING IN THIS SECTION LIMITS THE DEVELOPER'S LIABILITY FOR DAMAGES ARISING FROM THE DEVELOPER'S OWN GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD, TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED UNDER TENNESSEE LAW.

Nothing in these Terms shall exclude liability for death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Developer from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

  • Your access to or use of the App
  • Your violation of these Terms
  • Your violation of any third-party rights, including intellectual property, privacy, or publicity rights
  • Your violation of any applicable laws or regulations
  • Any data you enter into the App
  • Any financial decisions you make based on the App

This indemnification obligation shall survive the termination of these Terms.

12. Modifications to the App and Terms

11.1 App Modifications: We reserve the right to modify, update, suspend, or discontinue the App (or any features thereof) at any time, with or without notice, for any reason. We shall not be liable to you or any third party for any modification, suspension, or discontinuation.

11.2 Terms Modifications: We reserve the right to modify these Terms at any time. If we make material changes, we will notify you through an App update notification or by posting the amended Terms within the App. Your continued use of the App following any changes constitutes acceptance of the new Terms.

13. Termination

12.1 By You: You may terminate these Terms at any time by deleting the App from your devices and, if applicable, canceling your subscription via Apple ID Account Settings.

12.2 By Developer: We may terminate or suspend your access to the App at any time, with or without notice, if you violate these Terms or for any other reason at our sole discretion.

12.3 Effect of Termination: Upon termination:

  • All licenses granted to you under these Terms immediately terminate.
  • You must delete all copies of the App from your devices.
  • You are responsible for exporting your data (via CSV export) prior to termination, as we cannot recover it for you.
  • Provisions that by their nature should survive termination shall survive, including: Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, and Dispute Resolution.

12.4 No Refunds Upon Termination: Termination does not entitle you to any refund of amounts already paid.

14. Export Controls

You represent and warrant that:

  • You are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country.
  • You are not listed on any U.S. Government list of prohibited or restricted parties.

15. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, United States, without regard to its conflict of law provisions.

14.2 Informal Resolution First

Before filing any formal legal proceeding, you agree to first attempt to resolve any dispute informally by contacting us at [email protected]. We will attempt to resolve the dispute within thirty (30) days. If the dispute is not resolved informally, either party may proceed with formal proceedings as set forth below.

14.3 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the App that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted in Nashville, Tennessee, or at another mutually agreed location, or via telephone/video conference if agreed by the parties.

The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

14.4 Class Action Waiver

YOU AND THE DEVELOPER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

14.5 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND THE DEVELOPER WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP.

14.6 30-Day Opt-Out Right

You have the right to opt out of the arbitration and class action waiver provisions of this Section 14 by sending written notice of your decision to opt out to [email protected] within thirty (30) days of your first download of the App. Your notice must include your name and a clear statement that you wish to opt out of arbitration. If you opt out, the remaining provisions of these Terms will continue to apply.

14.7 Small Claims Exception

Notwithstanding the above, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.

16. Apple App Store Provisions

The following additional terms apply if you access the App through the Apple App Store:

16.1 Acknowledgment: These Terms are between you and the Developer only, not with Apple Inc. ("Apple"). The Developer, not Apple, is solely responsible for the App and its content.

16.2 Scope of License: The license granted to you for the App is limited to a non-transferable license to use the App on any Apple-branded device that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.

16.3 Maintenance and Support: Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the App.

16.4 Warranty: In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App to you (if any). To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the App.

16.5 Product Claims: Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App, including but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

16.6 Intellectual Property Claims: In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, the Developer, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.

16.7 Legal Compliance: You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

16.8 Third-Party Beneficiary: Apple and its subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

16.9 Contact for Questions: Any questions, complaints, or claims with respect to the App should be directed to the Developer at [email protected].

17. General Provisions

17.1 Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Developer regarding the App and supersede all prior agreements and understandings.

17.2 Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be struck, and the remaining provisions shall continue in full force and effect.

17.3 Waiver: No waiver of any term shall be deemed a further or continuing waiver of such term or any other term. The Developer's failure to enforce any right or provision shall not constitute a waiver of such right or provision.

17.4 Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

17.5 Headings: Section headings are for convenience only and have no legal or contractual effect.

17.6 Force Majeure: The Developer shall not be liable for any delay or failure to perform any obligation under these Terms resulting from causes outside the Developer's reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, internet service provider failures, Apple App Store outages or policy changes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

17.7 Interpretation: These Terms shall not be construed against the Developer by virtue of having drafted them.

17.8 Survival: The following Sections shall survive any termination, expiration, or cancellation of these Terms or your use of the App: Section 3 (No Financial Advice), Section 4 (Accuracy of Data), Section 7 (Intellectual Property), Section 8 (Feedback and Suggestions), Section 9 (Disclaimer of Warranties), Section 10 (Limitation of Liability), Section 11 (Indemnification), Section 15 (Dispute Resolution), and this Section 17 (General Provisions).

18. Contact Information

If you have any questions about these Terms, please contact us:

Email: [email protected]

BY USING THE APP, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTOOD THEM, AND AGREE TO BE BOUND BY THEM.

Last Updated: December 15, 2024