Terms of Use

These Terms of Use ("Terms") govern your use of the Comfy Budgets mobile application (the "Application"), published by Coastal Dune Labs LLC, a Florida limited liability company ("Coastal Dune Labs," "we," "us," or "our"). By downloading, installing, or using the Application, you agree to these Terms. If you do not agree, do not use the Application.

1. License

We grant you a limited, non-exclusive, non-transferable, revocable license to install and use the Application for your personal, non-commercial use on devices you own or control. All rights not expressly granted are reserved.

2. Subscriptions, Trials, and Refunds

Some features require an active paid subscription ("Premium"). Pricing and plan options are presented within the Application at the time of purchase. If we offer a free trial and you do not cancel before it ends, your subscription will automatically convert to a paid subscription at the price displayed at enrollment. Subscriptions are billed through your Apple ID and renew automatically unless you turn off auto-renewal at least 24 hours before the end of the current period. You can manage or cancel your subscription in Settings > Apple ID > Subscriptions on your iOS device. All refund requests are handled by Apple under the Apple Media Services Terms and Conditions; we do not process refunds directly and do not provide refunds or credits for partial periods or unused features.

3. Important Disclaimers

3.1 Budgeting Tool Only — Not Financial Advice

The Application is a personal budgeting and organizational tool. Information presented in the Application — including weekly safe-to-spend amounts, pace indicators, forecasts, insights, and any responses from the "Ask Otto" feature — is provided for general informational and convenience purposes only. It is not financial, investment, tax, or legal advice, and it is not a recommendation to make (or not make) any purchase or financial decision. You are solely responsible for your financial decisions. For advice about your specific situation, consult a qualified professional.

3.2 Not a Bank or Payment Service

The Application is not a bank, deposit account, money transmitter, or payment service, and it does not hold, move, or have access to your funds. It does not connect to your bank accounts; where available, the optional Apple Wallet import feature provides read-only transaction information through Apple's FinanceKit framework and cannot initiate, modify, or authorize any transaction. The IOU feature is an informal record-keeping convenience between you and people you know; it does not create, evidence, settle, or collect any legal debt, and we are not a party to any arrangement between you and any other person.

3.3 Accuracy of Calculations

Safe-to-spend amounts, paces, forecasts, budgets, and insights are estimates computed from the data you enter (and, where enabled, receipts you capture and transactions imported from Apple Wallet). Imported transactions depend on the timeliness, completeness, and accuracy of data provided by Apple's FinanceKit service, which we do not control. We make reasonable efforts to compute them accurately, but we do not guarantee that any calculation, forecast, or status display is error-free, complete, or current, and actual amounts available to you in your real accounts may differ. You must rely on your own bank and card statements — not the Application — as the authoritative record of your finances.

3.4 Not a Sole Financial Record

The Application is not designed or warranted as your sole or official record of transactions, debts, or financial position for tax, audit, dispute, or legal purposes. You should retain independent records, including receipts and statements from your financial institutions.

4. Your Responsibilities

You are responsible for the accuracy of data you enter, maintaining your own backups in accordance with Section 5, securing your device and Apple ID credentials, your own financial decisions and obligations, and your compliance with all applicable laws.

5. Data Storage and Backups

This Section 5 is a material part of these Terms.

Your data is stored locally on your device. We do not maintain or operate any server that stores, mirrors, or backs up your data, and we cannot recover data stored on your device.

If you enable iCloud synchronization, your data is transmitted to and stored in your personal iCloud account, operated by Apple Inc. and governed by your agreement with Apple. We have no control over iCloud and are not responsible for any iCloud delay, conflict, partial sync, missed sync, corruption, deletion, or outage that affects your data. The Application also relies on other third-party services, including Apple's iOS, StoreKit, FinanceKit, and APNs services, and RevenueCat for subscription management. We do not control these services and are not responsible for any failure, delay, error, outage, or data loss caused by them.

We recommend keeping iCloud sync enabled and maintaining regular device backups (iCloud Backup or a computer backup) so your budgets, transactions, and memories can be restored if your device is lost, damaged, or replaced. You acknowledge that the risk of data loss is inherent in software that stores data on personal devices and synchronizes through third-party cloud services. We are not liable for any loss of data, however caused, including without limitation losses caused by device failure, device loss or theft, operating system or Application updates, deletion or reinstallation of the Application, iCloud or other third-party service failures, sync conflicts, your acts or omissions, or any other cause.

6. Intellectual Property

The Application and all associated content, design, source code, trademarks (including the Comfy Budgets name and the Otto character), and other intellectual property are the exclusive property of Coastal Dune Labs and our licensors. Except for the limited license in Section 1, no rights are transferred to you. You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works of the Application, nor reverse engineer, decompile, or attempt to extract its source code, except to the extent applicable law expressly prohibits such restriction.

7. Acceptable Use

You agree not to: (a) use the Application for any unlawful purpose; (b) interfere with, disrupt, damage, or impair the Application or any service it relies on; (c) circumvent any security or access control feature; (d) use the Application, including the IOU feature, to harass any person or to make any false or fraudulent claim or statement to any person or third party; or (e) remove or alter any proprietary notice in the Application.

8. Disclaimer of Warranties

THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COASTAL DUNE LABS DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APPLICATION WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ITS CALCULATIONS, FORECASTS, OR INSIGHTS WILL BE ACCURATE OR CURRENT; THAT YOUR DATA WILL BE PRESERVED OR RECOVERABLE; OR THAT USE OF THE APPLICATION WILL IMPROVE YOUR FINANCIAL POSITION OR RESULT IN ANY PARTICULAR OUTCOME.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COASTAL DUNE LABS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATING TO THESE TERMS OR THE APPLICATION, WHETHER BASED ON CONTRACT, TORT, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES WITHOUT LIMITATION ANY OVERDRAFT, LATE FEE, INTEREST CHARGE, MISSED PAYMENT, DISPUTE BETWEEN YOU AND ANY OTHER PERSON (INCLUDING OVER ANY IOU), OR OTHER FINANCIAL LOSS ARISING OUT OF RELIANCE ON ANY AMOUNT, FORECAST, OR INSIGHT DISPLAYED BY THE APPLICATION, OR ANY LOSS OF DATA.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS WILL NOT EXCEED THE LESSER OF (a) THE AMOUNT YOU PAID US FOR THE APPLICATION DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00). THE LIMITATIONS IN THIS SECTION ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US AND APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN EXCLUSIONS OR LIMITATIONS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10. Apple App Store Provisions

These Terms are between you and Coastal Dune Labs only, not with Apple Inc. ("Apple"). Apple is not responsible for the Application or its content and has no obligation to provide maintenance or support services. In the event of any failure of the Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any; Apple has no other warranty obligation with respect to the Application. Apple is not responsible for addressing any claims by you or any third party relating to the Application, including product liability, regulatory compliance, or consumer protection claims, or any third-party intellectual property infringement claim. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

11. Termination

We may suspend or terminate your access to the Application at any time, with or without cause and with or without notice. Upon termination, your license to use the Application immediately ceases. Sections 3, 4, 5, 6, 8, 9, 10, 11, and 12 survive termination.

12. Governing Law and Other Provisions

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Application will be brought exclusively in the state or federal courts located in Pinellas County, Florida, and you consent to that jurisdiction and venue.

We may update these Terms from time to time. If we make material changes, we will update the "Last Updated" date and may provide notice through the Application or our website. Your continued use of the Application after the updated Terms take effect constitutes your acceptance.

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will continue in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign these Terms at any time.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Coastal Dune Labs regarding the Application.

13. Contact

Questions about these Terms? Contact us through our contact page.

Coastal Dune Labs LLC, a Florida limited liability company.

© 2026 Coastal Dune Labs LLC. All rights reserved.