Terms of use
This text sets out what NETbudget does, what it does not promise, and what you agree to by using it. It is written to be read, not to hide behind jargon.
What NETbudget is
A personal budgeting estimation tool. It works out your money left, applies a 50/30/20 benchmark adapted to your profile and gathers information from public sources. It is not a bank, a payment institution or an investment adviser: NETbudget holds no money, executes no transaction and manages no investment.
What the figures are worth
Estimates, never commitments. Contribution rates, cost-of-living indices, flight prices and benefit amounts come from public sources cited in the app, with the date they were checked. Legislation changes, thresholds are revised, a real quote differs from an estimate. Your payslip, your tax assessment and your authorities' decisions are what count — not the app.
What you should not expect from it
Professional advice. The information shown replaces neither a financial adviser, nor an accountant, nor a solicitor, nor a social worker. The decisions you make after reading the app remain yours, and the publisher cannot be held responsible for them. For anything significant — a mortgage, an investment, an inheritance — have it checked by a professional.
Your account
An account is optional: the app works without one. If you create one, you are responsible for keeping your password confidential and for activity carried out from your account. It is restricted to people aged fifteen or over. We may suspend an account used to harm others, circumvent billing or attack the service — never for normal use, however heavy.
Encryption and twelve words
The data you synchronise is end-to-end encrypted by default, with no setting to switch on: a key is created on your phone and never leaves it. Twelve words, viewable at any time from your profile, let you recover that access on another device. We do not know them and cannot regenerate them. The consequence must be understood, and it is the price of the guarantee: if you change device without having kept those twelve words, nobody can decrypt your synchronised data, ourselves included, and it becomes permanently unreadable. Your budget then stays intact on the original device. There is no recovery procedure, no route through support, no backup copy on our side. The publisher cannot be held liable for data lost as a result of twelve mislaid words.
Subscription and plans
The app is usable free of charge with no time limit: budget, loans, money left, the 50/30/20 benchmark and the converter. An optional subscription unlocks syncing across devices, tailored advice and event budgets. The Solo plan tracks up to six events at once and does not include the wedding budget, which is planned together and belongs to the Duo and Family plans. Each plan's exact limits are shown in the app before any payment.
Payment, renewal, cancellation
Subscriptions are sold and charged by Apple's App Store or Google's Play Store, never by us — so we never see any payment details. Where a free trial is offered, it turns into a paid subscription at the end unless cancelled beforehand: the store tells you so, and the date appears in your subscription management. Subscriptions then renew automatically at each period end unless cancelled at least twenty-four hours in advance. Cancellation happens in your phone's settings, under subscription management: we have no control over it, and that is better. The app may show one screen asking why you are leaving and offering an answer — a cheaper plan, some help. That screen is optional from start to finish: the link to the store is visible the moment it opens, no answer is required, and nothing can delay your cancellation. It takes effect at the end of the period you already paid for, at no cost, and your data stays accessible on the free tier.
Refunds and right of withdrawal
Subscriptions are sold and charged by Apple's App Store or Google's Play Store, never by us — so we never see any payment details. Where a free trial is offered, it turns into a paid subscription at the end unless cancelled beforehand: the store tells you so, and the date appears in your subscription management. Subscriptions then renew automatically at each period end unless cancelled at least twenty-four hours in advance. Cancellation happens in your phone's settings, under subscription management: we have no control over it, and that is better. The app may show one screen asking why you are leaving and offering an answer — a cheaper plan, some help. That screen is optional from start to finish: the link to the store is visible the moment it opens, no answer is required, and nothing can delay your cancellation. It takes effect at the end of the period you already paid for, at no cost, and your data stays accessible on the free tier.
Promotional codes
A discount code applies to the period stated when it is used, after which the subscription continues at the standard price. A code cannot be combined with another, exchanged for money, or transferred. A code obtained or used fraudulently may be cancelled.
Shared budgets
In a shared space, you deliberately make that space's budget, goals and events visible to its other members, along with your username and profile picture. Only put there what you are willing to share. A space's owner can delete it, which erases its contents for every member. Your personal space is never visible to anyone.
Service availability
The app works offline for the most part, which makes it largely immune to outages. Syncing, however, depends on servers and may be interrupted for maintenance or incidents. No guarantee of continuous availability is given. Features may change or be withdrawn; if one of them was the reason for your subscription, you can cancel as described above.
Intellectual property
The NETbudget name, logo, interface and source code belong to the publisher. Your data belongs to you: we claim no rights over it and use it for nothing other than running the app. The 50/30/20 benchmark comes from the work of Elizabeth Warren and Amelia Warren Tyagi, published in their books.
Governing law and disputes
These terms are governed by French law. If something goes wrong, write to us first: most problems are settled in a few messages. If no solution is found, you may refer the matter to a consumer mediator or to the competent courts. Nothing here restricts the rights that the law of your country of residence guarantees you as a consumer.
Changes to these terms
This text may be amended; the date it was last updated appears at the bottom of the page. A significant change — particularly to billing — will be flagged in the app before it takes effect. Continuing to use the app after that date constitutes acceptance. Any questions: contact@netbudget.app.
Last updated : 2026-09-09