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Terms of Service

Effective Date: April 22, 2025

1. Operator and Agreement
Budget Quest (BGTQST), accessible via its website `bgtqst.netlify.app` and associated applications (collectively, the "Service"), is owned and operated by Sadokpam Axn Meetei ("Operator", "we", "us", "our"). These Terms of Service ("Terms") govern your access to and use of the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you must not access or use the Service.

2. Nature of Service - IMPORTANT DISCLAIMER
Budget Quest is a software tool designed for personal financial organization, budgeting, debt tracking, and motivation through gamification elements (like XP and leveling). **The Service is strictly an organizational and informational tool.** BGTQST does NOT provide financial, investment, legal, tax, or any other form of professional advice. We are not a bank, financial institution, or registered financial advisor. Any information or visualization presented within the Service is for informational and motivational purposes only and should not be considered as advice or a recommendation. You are solely responsible for all financial decisions you make. We strongly recommend consulting with qualified and licensed financial professionals for personalized advice tailored to your situation.

3. Accounts and Eligibility

To access and use certain features of the Service, you must register for an account using a valid email address and create a secure password. You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update it promptly if it changes. Failure to do so constitutes a breach of these Terms, which may result in immediate termination of your account.

You must be at least 16 years old to create an account and use the Service. If you are between the ages of 16 and 18 (or the age of legal majority in your jurisdiction), you may only use the Service under the supervision and with the express consent of a parent or legal guardian who agrees to be bound by these Terms on your behalf.

4. Intellectual Property Rights

The Service and all its original content, features, functionality, visual design, text, graphics, logos, icons, images, software, data compilations, characters, and game mechanics (including the concept of XP, levels, and challenges within the app context) are the exclusive property of Sadokpam Axn Meetei and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service strictly in accordance with these Terms for your personal, non-commercial use.

You agree not to copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, reverse-engineer, decompile, or disassemble any part of the Service without our express prior written permission. **For clarity, experience points (XP), levels, achievements, and other gamification elements within the Service are purely motivational indicators of progress and have no monetary value, are non-transferable, and cannot be redeemed for cash or any other item of value.**

5. Subscriptions, Payments, and Paddle

The Service may offer both free access ("Adventurer" tier) with limited features and paid subscription plans ("Hero Pass") providing access to enhanced features. Current features and pricing for each plan are detailed on our website (`bgtqst.netlify.app/#pricing`).

If you purchase a Hero Pass subscription, you agree to pay the recurring monthly fees specified at the time of purchase. All payments are processed through our third-party payment provider and Merchant of Record, **Paddle.com Market Limited ("Paddle")**. Your purchase is subject to Paddle's own terms and conditions and privacy policy, which you should review. By providing payment information to Paddle, you represent and warrant that you are authorized to use the designated payment method.

Hero Pass subscriptions automatically renew each month unless cancelled prior to the renewal date. You can manage or cancel your subscription through your BGTQST account settings or via the Paddle customer portal. Cancellation takes effect at the end of the current paid billing cycle. Refunds are handled according to our separate Refund Policy, accessible on our website.

6. User Conduct and Prohibited Uses

You agree to use the Service only for lawful purposes and in accordanceance with these Terms. You agree not to use the Service:

  • In any way that violates any applicable national or international law or regulation.
  • To exploit, harm, or attempt to exploit or harm minors in any way.
  • To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
  • To impersonate or attempt to impersonate the Operator, another user, or any other person or entity.
  • In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm the Operator or users of the Service or expose them to liability.

Additionally, you agree not to:

  • Probe, scan, or test the vulnerability of the Service or any related system or network.
  • Breach or circumvent any security or authentication measures.
  • Interfere with or disrupt the integrity or performance of the Service or the data contained therein.
  • Attempt to gain unauthorized access to the Service, user accounts, or computer systems or networks connected to the Service.
  • Use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any material.
  • Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.

We reserve the right to terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.

7. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE OPERATOR DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, ACCURATE, RELIABLE, OR THAT DEFECTS WILL BE CORRECTED.

YOUR USE OF THE SERVICE AND ANY INFORMATION OBTAINED THROUGH THE SERVICE IS AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR YOUR FINANCIAL DECISIONS, ACTIONS, OR INACTIONS BASED ON YOUR USE OF THE SERVICE.

IN NO EVENT SHALL SADOKPAM AXN MEETEI, NOR HIS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR PARTNERS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (III) ANY CONTENT OBTAINED FROM THE SERVICE; AND (IV) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

8. Governing Law

These Terms shall be governed and construed in accordanceance with the laws of India, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms or the Service shall be instituted exclusively in the courts located in India.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect, such as by posting a notice on our website or sending an email to registered users. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Service.

10. Contact Us

If you have any questions about these Terms, please contact us via email at: theaxnsadokpam@gmail.com.