Terms of Use

Last updated: 2026-09-13

These terms apply to the SwissBudget+ app and to this website. They are short because the product is simple: an app that runs on your phone, with no account and no service behind it.

1. Who you are dealing with

Argyo Apps is the name two private individuals in Switzerland publish their apps under:

Andrei & Nada Argyo
6032 Emmen
Switzerland

Questions about these terms go to hello@argyoapps.ch.

2. The app and what it costs

SwissBudget+ is free to download and free to use, with every budgeting feature included. The app is distributed through Google Play; Google's own terms of service apply to the download alongside these terms.

• Optional Supporter purchase. If you want to support the project you can buy the Supporter unlock inside the app. It is a one-time purchase, not a subscription, available at several amounts you choose between. It adds extra themes and celebration styles — nothing that affects budgeting — and it is tied to the Google account that bought it, so it can be restored after a reinstall or on a new phone.
• Payment and refunds are handled by Google Play. We never see your payment details. Refund requests go through Google Play under its refund policy; where that policy leaves it to us, write to hello@argyoapps.ch and we will find a fair solution.
• Prices are shown in the app in your local currency as set by Google Play and may change; a change never affects a purchase already made.

3. Your data and your backups

Everything you enter stays on your device. We operate no server, hold no account for you and cannot access, restore or recover your data. That is the point of the app, and it also means:

• Backups are your responsibility. The app can export a password-protected backup file. Keep it somewhere safe. If you lose the phone without a backup, or forget the backup password, the data is gone and we cannot bring it back.
• Uninstalling deletes the data on that device, as with any local-only app.

How we handle personal data is described in the Privacy Policy.

4. Estimates, not advice

SwissBudget+ helps you plan. The figures it produces — budgets, savings projections and in particular the tax estimates by canton and municipality — are estimates for planning purposes, calculated from simplified rules and rates that can be out of date or not match your personal situation.

They are not tax, financial or legal advice and never replace an official tax assessment, a tax adviser or your bank. Check important decisions against official sources before you act on them.

5. Using the app

You may use SwissBudget+ for your own, private household budgeting on any Android device signed in to your Google account. You may not sell, rent out or redistribute the app, remove copyright notices, or use it in a way that breaks the law or Google Play's policies. Reverse engineering is allowed only to the extent Swiss law permits it.

The app is meant for adults managing a household budget. If you let a child use it, you are responsible for that use.

6. Changes and availability

We keep improving the app and may add, change or remove features, support for old Android versions, or the app itself, at any time. Because the app runs entirely on your phone, an installed version keeps working even if we stop updating it. This website may be changed or taken down at any time.

7. No warranty and limits of liability

The app and this website are provided as they are. We build them carefully, but we cannot promise they are free of errors or that they suit your particular purpose.

To the extent Swiss law allows it, we are not liable for indirect damage, lost profit or lost data, nor for decisions taken on the basis of the app's estimates. Nothing in these terms excludes liability for intent or gross negligence, or any liability that cannot be excluded under the Swiss Code of Obligations.

8. Intellectual property

The app, its name and logo, and the texts, images and code of this website belong to us. You get a personal, non-transferable right to use the app under these terms; nothing else is transferred. Please ask before reusing anything.

9. The iPhone waitlist

Signing up to the waitlist creates no obligation on either side: we will write to you when — and only if — an iPhone version is released, and you can leave the list at any time by replying “stop” or writing to us. It is not a pre-order and no iPhone version is promised.

10. Applicable law and changes to these terms

Swiss law applies, to the exclusion of the conflict-of-law rules. The place of jurisdiction is Lucerne, Switzerland, unless mandatory consumer-protection rules give you the right to a different court.

If these terms change, the date at the top of this page changes with it. Continued use of the app after a change means you accept the new terms; if you disagree, stop using the app and delete it.

11. Contact

Argyo Apps · hello@argyoapps.ch
6032 Emmen, Switzerland