Last updated 1 October 2026

Terms and Conditions

These terms apply when you use Pa-Budget. By creating an account or signing in, you agree to them.

What Pa-Budget is

Pa-Budget helps a household plan and track its money by hand: budgets, transactions, goals, investments and net worth. It does not connect to banks, move money, or make payments.

Not financial advice

Figures, projections, charts and reminders are based only on what you enter, including the exchange rates you set. They are not financial, investment, tax or legal advice. Check important figures against your bank and other records before relying on them.

Your account

You must give a real email address and verify it. Keep your password and devices secure; you are responsible for what happens under your account.

You must be 18 or older to use Pa-Budget.

Households

A household is shared. Anyone you invite can see and change all of its data, including entries you made. Only share invite codes with people you trust. Disagreements between household members are for the members to resolve.

Acceptable use

Use Pa-Budget only for your own household's budgeting. Do not try to access other households' data, get around the security rules, overload the service, or use it for anything unlawful.

Your data

What you enter stays yours. You let us store and process it only to provide the app, as described in the Privacy Policy. Use Export to keep your own copy; we cannot promise that data will never be lost.

Availability and changes

Pa-Budget is provided as it is and as available, without warranties of any kind. Features may change, and the service may be interrupted or ended. If it is going to end, we will try to give notice so you can export your data.

Limitation of liability

As far as the law allows, the operator of Pa-Budget is not liable for any loss arising from using the app or relying on its figures, including financial loss, lost data, or decisions made using it.

Ending your use

You can stop using Pa-Budget at any time and ask for your data to be deleted (see the Privacy Policy). Accounts that break these terms may be suspended or removed.

Changes to these terms

If these terms change, the date below will change. Continuing to use Pa-Budget after a change means you accept the new terms.

Law and contact

These terms are governed by the laws of the Republic of Zambia. Questions: paulouskunda@gmail.com.