Billing Policy for MyBudgetNerd

MyBudgetNerd is offered by Athena Analytics LLC, doing business as Athena Data Labs.

Effective date: August 6, 2026

1. Free Tier

You can analyze your first 3 statements at no cost. No payment details are required to create an account or to use those free analyses. The allowance is counted per account, not per month, so it does not reset.

Once the 3 free analyses are used, continuing to analyze new statements requires a MyBudgetNerd Pro subscription. Your existing data, exports, and settings remain accessible whether or not you subscribe.

2. MyBudgetNerd Pro — Plans and Pricing

• Monthly: $4.99 per month, billed monthly.
• Annual: $44.99 per year, billed once annually (about $3.75 per month).

Prices are shown in US dollars. On iOS, the price displayed at the moment of purchase is the price charged, converted and taxed according to your App Store region; that displayed price governs. Applicable sales tax or VAT may be added at checkout depending on your location.

Both plans renew automatically at the end of each billing period until cancelled. Section 5 explains how to cancel.

3. What Pro Includes

• Continued statement analysis beyond the 3 free analyses, up to 25 statement uploads per month.
• Oracle forecasting, anomaly detection, and category trend analysis.
• Data export to CSV, Excel, and Markdown.

The 25-per-month cap is an anti-abuse limit for normal personal use, not a usage allowance we expect subscribers to reach. Short-term hourly upload limits also apply on both tiers to protect the Service. If you have a legitimate need above the cap, contact support.

4. How You Are Billed

• On the web: payments are processed by Stripe. We do not receive or store your full payment card number; Stripe handles card data directly. See Stripe’s privacy notice at stripe.com/privacy.
• On iOS: purchases use Apple’s in-app purchase system. Apple is the merchant of record, bills you through your Apple Account, and handles payment data. Product identifiers are com.mybudgetnerd.pro.monthly and com.mybudgetnerd.pro.yearly.

A subscription purchased on one platform unlocks Pro on your account across supported platforms, provided you sign in with the same account. Signing in is required to purchase, restore, or synchronize a subscription.

5. Cancelling

You can cancel at any time. Cancellation stops the next renewal; it does not shorten the period you have already paid for, and you keep Pro access until that period ends.

• Web subscriptions: open Controls → Manage Subscription in the app to reach the Stripe billing portal, where you can cancel or update your payment method.
• iOS subscriptions: cancel through your Apple Account subscription settings (Settings → [your name] → Subscriptions on your device). Apple requires that iOS subscriptions be cancelled this way; we cannot cancel an App Store subscription on your behalf.

To avoid being charged for the next period, cancel at least 24 hours before the current period ends.

6. Refunds

• iOS purchases: refunds are handled solely by Apple under App Store policy. Request one at reportaproblem.apple.com. We have no ability to issue or deny App Store refunds.
• Web purchases: contact support@mybudgetnerd.com. We handle refund requests case by case and will always honour refund rights you have under the consumer law that applies to you, including statutory withdrawal or cooling-off rights where those apply.

If a refund is issued for a period, Pro access for that period may be removed.

7. Price and Plan Changes

We may change prices or what a plan includes. Any change to the price of an existing subscription takes effect only at a renewal, and we will give you notice beforehand through the app or by email, with enough time to cancel before the new price is charged. On iOS, price increases follow Apple’s consent rules for auto-renewing subscriptions.

8. Failed Payments

If a renewal payment fails, we may keep your subscription active briefly while the payment processor retries. If it is not resolved, Pro access ends and your account returns to the free tier. Your data is not deleted when a subscription lapses.

9. Changes to This Policy

We may update this policy as billing features change. When we do, we will revise the effective date at the top of this page.

10. Contact Us

If you have questions about billing, contact us at support@mybudgetnerd.com.