Terms & Conditions

These Terms & Conditions (the “Terms”) form an agreement between you and Daniel Munoz (“Developer”, “I”, “me”) governing your use of the Bucketize iPhone application and any updates to it (the “App”). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App and delete it from your device.

Please read section 5 (Bucketize is not financial advice) and section 6 (Accuracy and your responsibility) carefully. They describe important limits on what the App does and what it can be relied on for.

1. This agreement is with the Developer, not Apple

You acknowledge that these Terms are concluded between you and the Developer only, and not with Apple Inc. (“Apple”). The Developer, not Apple, is solely responsible for the App and its content. Your use of the App must also comply with the App Store Terms of Service, including the Usage Rules set out in Apple's Media Services Terms and Conditions.

2. Who may use the App

You may use the App only if you can form a binding contract with the Developer and are not barred from doing so under applicable law. If you are a minor in your country of residence, you may use the App only with the involvement and consent of a parent or legal guardian.

3. Licence

Subject to these Terms, the Developer grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to use the App on any Apple-branded device that you own or control, as permitted by the Usage Rules of the App Store. This licence covers personal, non-commercial use of the App. No rights are granted other than those expressly set out here, and all rights not expressly granted are reserved by the Developer.

4. Things you may not do

Except where mandatory law expressly permits it, you agree not to:

• copy, modify, translate, or create derivative works of the App;
• reverse engineer, decompile, or disassemble the App, or attempt to derive its source code;
• rent, lease, lend, sell, redistribute, sublicense, or otherwise transfer the App;
• remove or alter any proprietary notices;
• circumvent, disable, or interfere with security or licensing features, including any limits of the free tier; or
• use the App for any unlawful purpose or in breach of these Terms.

5. Bucketize is not financial advice

Bucketize is a personal planning and organisation tool. It is not financial, investment, tax, accounting, or legal advice, and it must not be treated as such. The Developer is not a bank, financial institution, payment service, financial adviser, or regulated financial services provider.

The App does not hold, move, transfer, or manage money. It does not connect to your bank and does not import transactions. It only performs arithmetic on the figures you enter yourself, and shows you the result. Any number the App displays — including the “safe to spend” or leftover figure — is an estimate based on your own input, not a statement of your actual account balance or financial position.

All financial decisions you make remain entirely your own. If you need advice about your finances, taxes, or debts, consult a suitably qualified professional.

6. Accuracy and your responsibility

The App's output depends entirely on what you enter and keep up to date. In particular, you acknowledge that:

• yearly amounts are normalised to a monthly equivalent (annual amount divided by twelve) and displayed values are rounded to your currency's standard precision, so figures are approximations;
• the App cannot know about income, charges, or changes you have not entered, and cannot detect errors in what you enter;
• reminders for yearly charges are scheduled locally by iOS on a best-effort basis. They depend on your device and notification settings and may be delayed or not delivered. Do not rely on them as your only reminder for any payment; and
• you are responsible for verifying anything important against your bank, statements, and the actual providers you owe money to.

To the extent permitted by law, the Developer is not liable for missed or late payments, overdrafts, fees, interest, penalties, or any other loss arising from your reliance on figures shown by the App.

7. Purchases and in-app purchases

The App is free to download and use with a limited number of items. An optional one-time in-app purchase unlocks unlimited items. There is no subscription.

All purchases are processed by Apple through the App Store and are subject to Apple's terms. Prices are shown in the App Store before you buy and may change. The Developer does not receive or process your payment details and cannot issue refunds directly: refund requests are handled by Apple through the App Store.

If you are a consumer in the EU or EEA, statutory rights of withdrawal may apply to digital purchases. Because purchases are made through the App Store, those rights and Apple's own refund practices are administered by Apple.

8. Your data, sync, and backups

The data you enter is stored on your device, and — if you enable sync — in your own private iCloud account, which is operated by Apple and subject to Apple's terms and privacy policy. The Developer operates no server for your budget data and cannot access, restore, or recover it. How your data is handled is described in the Privacy Policy, which forms part of these Terms.

You are responsible for keeping your own backups. The App provides CSV export for this purpose. Deleting the App deletes its local data. To the extent permitted by law, the Developer is not liable for loss or corruption of data, including data lost through device failure, sync errors, iCloud issues, or deletion of the App.

9. Availability and changes to the App

The Developer may update, change, suspend, or discontinue the App or any of its features at any time, and may require a current version of iOS or a newer device to keep using it. The App is not guaranteed to be available, uninterrupted, or error-free.

10. Maintenance and support

The Developer is solely responsible for providing any maintenance and support for the App, to the extent it is offered at all. Support is provided informally by email at support@danmunoz.com, with no guaranteed response time. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the App.

11. Disclaimer of warranties

To the maximum extent permitted by applicable law, the App is provided “as is” and “as available”, without warranties or conditions of any kind, whether express or implied, including any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, or non-infringement.

Nothing in these Terms excludes or limits your mandatory statutory rights as a consumer, including statutory rights in respect of defective digital content under German and EU law.

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 (if any) for the App to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be the Developer's sole responsibility.

12. Limitation of liability

The Developer is liable without limitation for damages caused intentionally or by gross negligence, for injury to life, body, or health, under the German Product Liability Act (Produkthaftungsgesetz), and to the extent liability cannot be excluded or limited under mandatory applicable law.

In cases of slight negligence, the Developer is liable only for breach of a material contractual obligation — an obligation whose fulfilment makes proper performance of these Terms possible in the first place and on whose fulfilment you may reasonably rely — and such liability is limited to the foreseeable damage typical for this type of contract.

Subject to the paragraphs above, and to the maximum extent permitted by law, the Developer is not liable for indirect, incidental, special, or consequential damages, loss of profit, loss of savings, lost opportunities, or financial losses arising from your use of, or inability to use, the App. Subject to the paragraphs above, the Developer's total aggregate liability arising out of or relating to the App is limited to the greater of the amount you paid for the App and any in-app purchases in the twelve months preceding the event giving rise to the claim, or EUR 50.

13. Product claims

The Developer, not Apple, is responsible for addressing any claims by you or any third party relating to the App or your possession and use of it, including: (a) product liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.

14. Intellectual property

The App, its name, icon, design, and all related content are owned by the Developer and protected by copyright and other laws. These Terms grant you a licence to use the App; they do not transfer any ownership to you. In the event of any third-party claim that the App or your possession and use of it infringes that third party's intellectual property rights, the Developer, not Apple, will be solely responsible for the investigation, defence, settlement, and discharge of any such claim.

15. Legal compliance and export

You represent and warrant that: (a) 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 (b) you are not listed on any U.S. Government list of prohibited or restricted parties. You also agree to comply with any applicable third-party terms when using the App.

16. Termination

These Terms apply for as long as you use the App. Your licence terminates automatically if you breach these Terms, and you may end it at any time by deleting the App from your devices. Sections that by their nature should survive termination — including sections 5, 6, 8, 11, 12, 13, and 14 — continue to apply.

17. Apple as third-party beneficiary

You acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and that 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 of them.

18. Changes to these Terms

These Terms may be updated to reflect changes to the App or to legal requirements. The “last updated” date above will change with them, and the current version will always be published on this page. Material changes will be posted here before they take effect. Continuing to use the App after changes take effect means you accept the updated Terms.

19. Governing law and disputes

These Terms are governed by the laws of the Federal Republic of Germany, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods. If you are a consumer habitually resident in the EU or EEA, you additionally enjoy the protection of any mandatory provisions of the law of your country of residence, and nothing in these Terms affects your right to bring proceedings in the courts of that country.

The Developer is neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board (Verbraucherschlichtungsstelle).

20. Severability and entire agreement

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision will be replaced by a valid one that most closely reflects its purpose. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Developer regarding the App. A failure to enforce any provision is not a waiver of it.

21. Contact

Questions about these Terms, or any claim or support request relating to the App, can be sent to:

Daniel Munoz
12247 Berlin, Germany
support@danmunoz.com