Bhudki Terms of Use

Effective Date: June 10, 2026

Welcome to Bhudki (“Bhudki”, “we”, “our”, or “us”). These Terms of Use govern your use of the Bhudki mobile application, website, and related services.

By downloading, accessing, or using Bhudki, you agree to these Terms. If you do not agree with any part of these Terms, please discontinue use of the application.

1. About Bhudki

Bhudki is a personal finance and expense management application designed to help users record, organize, and analyze their financial activities. Bhudki provides tools for budgeting, reminders, insights, and expense tracking.

Bhudki is intended solely for informational and personal management purposes and should not be considered financial, investment, tax, accounting, or legal advice.

2. User Responsibilities

You are solely responsible for:

The accuracy of the information you enter.
Maintaining backups of your data where applicable.
Protecting access to your device and account.
Ensuring that your use of Bhudki complies with applicable laws.

You acknowledge that incorrect or incomplete information entered into the app may produce inaccurate results.

3. No Financial Advice

Bhudki does not provide financial, investment, tax, or accounting advice.

Any insights, calculations, reports, budgets, or statistics generated by the app are provided for convenience only. Users should consult qualified professionals before making financial decisions.

4. Accuracy of Information

While we strive to provide a reliable experience, we do not guarantee:

The completeness of any information.
The accuracy of calculations or analytics.
The suitability of reports for financial or accounting purposes.
That the app will always be free from bugs or errors.

All information and services are provided on an “AS IS” and “AS AVAILABLE” basis.

5. Data Storage and Data Loss

Bhudki may store information locally on your device and/or through third-party services.

Although we make reasonable efforts to maintain reliability, we do not guarantee:

Continuous availability of the service.
Preservation of your data.
Protection against accidental deletion, corruption, hardware failure, software bugs, or device loss.

You are solely responsible for maintaining backups of your information.

Bhudki, its owner, developers, and affiliates shall not be liable for any loss of data, financial records, profits, savings, or other damages resulting from:

Device failure;
User error;
Software malfunction;
Third-party service interruptions;
Updates or technical issues.

6. Limitation of Liability

To the fullest extent permitted by law, Bhudki and its owner shall not be liable for:

Direct damages;
Indirect damages;
Incidental damages;
Consequential damages;
Loss of profits;
Loss of savings;
Loss of business opportunities;
Loss of data;
Financial losses arising from reliance on the app.

Your use of Bhudki is entirely at your own risk.

7. Third-Party Services

Bhudki may integrate with or rely upon third-party services including analytics providers, advertising networks, cloud infrastructure providers, or platform services.

We are not responsible for:

The availability of third-party services;
Their privacy practices;
Their content or functionality.

Use of such services may also be governed by their own terms and privacy policies.

8. Intellectual Property

All trademarks, logos, designs, graphics, and software associated with Bhudki remain the property of Bhudki and its owner unless otherwise stated.

Users may not:

Reverse engineer the application;
Copy or redistribute the app;
Modify or create derivative works without permission.

9. Acceptable Use

Users agree not to:

Use the app for unlawful purposes;
Attempt unauthorized access to systems or services;
Disrupt or interfere with the operation of the app;
Upload malicious code or harmful content.

10. Service Availability

We reserve the right to:

Modify features;
Add or remove functionality;
Suspend or discontinue the app temporarily or permanently without prior notice.

We do not guarantee uninterrupted access to Bhudki.

11. Updates

These Terms may be revised periodically.

Continued use of Bhudki after changes become effective constitutes acceptance of the updated Terms.

12. Termination

We may suspend or terminate access to the app if these Terms are violated or if we determine such action is necessary to protect the service or other users.

13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Nepal.

Any disputes arising from these Terms shall be subject to the jurisdiction of the courts of Nepal.

By using Bhudki, you acknowledge that you have read, understood, and agreed to these Terms of Use.