Last updated: July 2026
These terms govern your use of CozyBudget ("the app"). By creating an account or using the app, you agree to these terms. If you do not agree, please do not use the app.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must be at least 13 years old (or the age of majority in your jurisdiction) to use CozyBudget.
CozyBudget helps you track and organize money. Any AI-generated insights, suggestions, or advisory messages are informational only and are not professional financial, tax, investment, or legal advice. Always consult a licensed professional before making important financial decisions.
Bank account connections are provided through Plaid. By connecting an account, you authorize us to retrieve balances and transactions for the accounts you select. See our Plaid disclosure.
You own the data you enter and files you upload. You grant us a limited license to store, process, and display that content solely to operate the app for you. You are responsible for the accuracy of what you enter.
The app is provided on an "as is" and "as available" basis. We may modify, suspend, or discontinue features at any time. We do not guarantee uninterrupted access or that the app will be error-free.
To the fullest extent permitted by law, CozyBudget and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from your use of the app.
You may stop using the app and request account deletion at any time. We may suspend or terminate accounts that violate these terms.
We may update these terms from time to time. Continued use of the app after changes take effect constitutes acceptance of the updated terms.
Questions about these terms? Reach us through the in-app support option in Settings.