Terms of Service
Last updated: September 2026
1. Acceptance of Terms
By downloading, installing, accessing, or using the ARKA Budget application ("the Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Tucan Software Studio ("Company," "we," "us," or "our"). If you do not agree to these Terms in their entirety, you must immediately cease all use of the Service and uninstall the application from your device. Your continued use of the Service following any modifications to these Terms constitutes your acceptance of such modifications.
2. Description of Service
ARKA Budget is a personal finance tracking application designed to allow users to manually record and monitor their financial information on their personal devices. The Service is expressly NOT a bank, financial institution, payment processor, credit provider, investment platform, or financial services provider of any kind. ARKA Budget does not access, connect to, or interact with any financial institution, bank account, or payment network. All financial data entered into the Service is input manually by the user and stored exclusively on the user's device. The Company does not intentionally collect, receive, process, or store any user financial data. Please note that, like most mobile applications, ARKA Budget may rely on standard operating-system-level diagnostic services (such as Apple Crash Reporter or Google Play's crash reporting) that may transmit anonymous, non-financial diagnostic and performance data as governed by the respective platform provider's privacy policies. Such platform-level services are outside the Company's control and their data practices are governed by their respective privacy policies, not these Terms.
3. No Financial Advice
THE SERVICE DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE. Nothing contained in the Service shall be construed as financial guidance, a recommendation to buy or sell any financial instrument, or advice regarding any financial decision. Any figures, calculations, summaries, or information displayed within the Service are based solely on data manually entered by the user, and are provided for informational and organizational purposes only. You acknowledge and agree that you are solely responsible for all financial decisions you make, and that Tucan Software Studio bears no responsibility or liability whatsoever for any financial outcomes, losses, or consequences arising from your use of, or reliance upon, the Service. Tucan Software Studio strongly recommends that you consult with qualified financial, tax, or legal professionals before making any financial decisions.
4. Eligibility
You must be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction, whichever is greater, to use the Service. By using the Service, you represent and warrant that you meet this age requirement and have the full legal capacity, right, and authority to enter into and abide by these Terms. If you are using the Service on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.
5. User Responsibilities
You are solely and exclusively responsible for: (a) the accuracy, completeness, legality, and reliability of all data, information, and content that you enter into the Service; (b) maintaining the security and confidentiality of your device and any access credentials; (c) creating and maintaining independent backups of your data, as the Service operates entirely offline and the Company does not store, back up, or have the ability to recover your data under any circumstances; (d) ensuring compliance with all applicable local, state, national, and international laws and regulations in connection with your use of the Service. The Company shall not be liable for any loss, corruption, destruction, or unauthorized access to your data for any reason, including but not limited to device failure, theft, loss, software malfunction, user error, or any other cause whatsoever.
6. Pro Features and One-Time Purchase
ARKA Budget offers optional premium features ("ARKA Budget Pro") through a single, one-time, non-recurring in-app purchase made via the platform app stores. There are no subscriptions, no auto-renewals, and no recurring charges of any kind. All payment processing is handled strictly by the respective platform (Apple or Google). We do not collect or store your payment information. What "lifetime" means: ARKA Budget Pro is sold as a permanent, non-expiring unlock. It refers to the lifetime of the Application, not to the lifetime of the purchaser. It means that we will not charge you again for the Pro features you have purchased. It is not a representation that the Application, any individual feature, any third-party service, or any distribution platform will remain available indefinitely. What your purchase entitles you to: A permanent, non-expiring license to the core offline functionality of ARKA Budget Pro as present in the version of the Application installed on your device. That functionality runs entirely on your device, does not require an internet connection, and does not depend on servers operated by us. It will continue to work on a device where the Application is already installed even if we stop releasing new versions, and even if the Application is later withdrawn from the app stores, for as long as your device and its operating system are able to run it. Updates and new versions: We do not undertake to release new versions, new features, or updates for any particular period of time, and we may cease development of the Application at any time. We may also add, modify, replace, or remove features over time, including features included in ARKA Budget Pro, in order to keep the Application functional, secure, and compatible with current devices and operating systems. Ceasing development does not disable the version already installed on your device and does not entitle you to a refund. Nothing in this paragraph limits any statutory right to updates that may apply to you under the consumer protection laws of your country of residence. Features that depend on third parties: Certain features may rely, now or in the future, on services, frameworks, or platforms operated by third parties (for example, operating-system automation such as Apple Shortcuts, or purchase-processing services). We do not control those services. If a third party changes, restricts, discontinues, or ceases to make its service available for use with the Application, we may modify, suspend, or discontinue the affected feature without that constituting a breach of these Terms and without entitling you to a refund, credit, or other compensation. Such features are auxiliary to, and separable from, the core offline functionality described above, which does not depend on them. Platform and operating system availability: The Application is distributed exclusively through the Apple App Store and Google Play. Its continued availability for download, installation, reinstallation, and update depends on those platforms and on their policies, requirements, and technical decisions, all of which are outside our control. Likewise, its continued operation depends on your device's operating system. If a platform withdraws, restricts, or ceases to support the Application, or if a future operating system version renders the Application inoperable on your device, your ability to install or to continue using the Application may end, notwithstanding any purchase you have made. Discontinuation of the Application: We may cease development and distribution of the Application. If we take that decision voluntarily, we will make reasonable efforts to announce it in advance through the Application or our website, and to ensure that the version already installed on your device continues to function offline and that your data can be exported, for as long as your device and operating system permit it. We are not liable for circumstances beyond our reasonable control, including platform decisions, operating system changes, changes in applicable law, or events of force majeure. Refunds: All purchases are subject to the refund policies of the respective app stores. We do not process payments and therefore cannot issue refunds directly.
7. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of Tucan Software Studio and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service strictly for your personal, non-commercial use.
8. User Content
Since the Service operates completely offline, any data, budgets, budget sheets, or financial information you input ("User Content") resides exclusively on your device. We do not claim any ownership over your User Content, nor do we assume any liability for its loss. You are solely responsible for exporting or backing up your User Content if you wish to preserve it.
9. Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TUCAN SOFTWARE STUDIO EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We make no warranty that the Service will meet your requirements, be uninterrupted, timely, secure, or error-free, or that any errors or defects will be corrected.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TUCAN SOFTWARE STUDIO, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICE.
11. Indemnification
You agree to defend, indemnify, and hold harmless Tucan Software Studio and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of: (a) your use and access of the Service, or (b) a breach of these Terms.
12. Modifications to the Service
We reserve the right to modify, suspend, or discontinue, temporarily or permanently, the Service (or any part thereof). Where a change materially affects features you have paid for, we will make reasonable efforts to provide advance notice through the Application or our website. Section 6 governs what your one-time purchase of ARKA Budget Pro does and does not guarantee, and prevails over this Section in the event of any conflict. Except as provided in Section 6 and as required by applicable consumer protection law, Tucan Software Studio will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.
13. Governing Law and Dispute Resolution
These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which the Company is established, without regard to its conflict of law provisions. Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in that jurisdiction, using the English language. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.