Software, made with intention.
Correia Virtus is an independent software studio — designing and building digital products we'd use ourselves. Quiet work, patiently made.
A small studio, thoughtfully at work.
Correia Virtus LLC is an independent software company. We design, build, and ship digital products for real people — from household finance to everyday planning.
Every product is grounded in something we've lived firsthand. We work slowly, iterate carefully, and release only what we'd use ourselves.
Transparency
No hidden fees. No data selling. No advertising. Your information belongs to you — always.
Simplicity
Complex problems deserve clear answers. We build tools that feel quiet, considered, and calm.
Craft
Every detail is considered. Every edge case is thought through. The work is never rushed.
What we're currently building.
Two independent products, each released under the Correia Virtus name.
BudgetPilot
A personal budgeting app for individuals, couples, and families — zero-based budgeting with secure bank connectivity through Plaid. Designed for U.S. households, with USD currency, IRS-aligned tax tooling, and shared household access.
BudgetPilot Brasil
A versão brasileira do BudgetPilot, adaptada ao mercado nacional — conexão bancária via Open Finance (Pluggy), calculadoras de IRPF, INSS, MEI e CLT, valores em real, e categorias e estabelecimentos do dia-a-dia brasileiro. Privacidade · Termos
Military PCS Toolkit
A free suite of calculators and reference tools for U.S. service members planning a permanent-change-of-station move — PPM/DITY profit, DLA, MALT, weight allowance, per diem, and a customizable PCS checklist.
Let's talk.
For product support, partnership inquiries, press, or anything else — we read every message.
Privacy Policy
1. Introduction
Correia Virtus LLC ("Correia Virtus," "we," "us," or "our") is an independent software studio organized under the laws of the State of Florida, United States. This Privacy Policy ("Policy") explains how we collect, use, disclose, retain, and protect personal information in connection with our products and services, including BudgetPilot (a personal budgeting application), the Military PCS Toolkit (a web-based collection of planning tools), and the website correiavirtus.com (collectively, the "Services").
This Policy is drafted to meet the requirements of the U.S. federal and state privacy laws identified in Section 11, the European Union General Data Protection Regulation (Regulation (EU) 2016/679, "GDPR"), the United Kingdom General Data Protection Regulation and Data Protection Act 2018 ("UK GDPR"), Canada's Personal Information Protection and Electronic Documents Act ("PIPEDA") and Quebec Law 25, Brazil's Lei Geral de Proteção de Dados ("LGPD"), South Africa's Protection of Personal Information Act ("POPIA"), Australia's Privacy Act 1988, Switzerland's revised Federal Act on Data Protection ("FADP"), and other substantially similar international frameworks.
By using the Services, you acknowledge that you have read and understood this Policy. If you do not agree with any part of this Policy, please discontinue use of the Services.
2. Who We Are and How to Reach Us
Data Controller (for GDPR/UK GDPR purposes): Correia Virtus LLC, Niceville, Florida, United States.
Privacy inquiries and rights requests: loading…
We do not currently maintain an EU or UK representative under Article 27 GDPR because we do not regularly offer Services to data subjects in those jurisdictions or monitor their behavior within the meaning of Article 3(2). If this changes, we will update this Policy and appoint a qualified representative accordingly.
3. Scope of This Policy
This Policy applies to personal information processed by Correia Virtus in connection with the Services. It does not apply to third-party websites, applications, or services that may be linked from the Services or that you choose to connect (such as your financial institution, Plaid, Apple, or Google), each of which is governed by its own privacy policy. We encourage you to review those policies.
4. Categories of Personal Information We Collect
The specific information we process depends on which part of the Services you use.
4.1 Account and Identifier Information
When you register for BudgetPilot, we collect: your name, email address, hashed password, account creation date, subscription status, and (if applicable) the subscription identifier issued by the Apple App Store or Google Play Store.
4.2 Financial Information (BudgetPilot only)
When you connect a financial institution through our banking-integration partner Plaid Inc. ("Plaid"), we receive: account type, institution name, masked account number, available and current balances, and transaction records (amount, date, merchant descriptor, category, currency, and pending status). We receive an encrypted Plaid access token that allows us to retrieve this information on your behalf. We do not receive, view, or store your online banking username, password, security questions, or any credential you provide to Plaid.
4.3 User-Generated Content
Budget categories, allocations, custom labels, notes, household membership, savings goals, and any other content you create within BudgetPilot.
4.4 Military PCS Toolkit Inputs
Inputs you enter into the calculators (such as rank, weight estimates, origin and destination locations, and projected move dates) are processed in your browser. We do not require an account to use the free calculators and we do not transmit or store these inputs on our servers unless you opt into a saved-plan feature that expressly states otherwise at the point of collection.
4.5 Device, Technical, and Usage Information
Device type, operating system and version, application version, IP address (truncated where practical), approximate geolocation derived from IP (country/region only), device language, referring URL, timestamps, crash diagnostics, and error logs. We do not collect precise geolocation.
4.6 Communications
If you contact us through the website form, email, or social channels, we process the information you provide (name, email, subject, message) and any related correspondence.
4.7 Biometric Identifiers
If you enable biometric authentication (Face ID, Touch ID, or equivalent fingerprint/face authentication on your device), the underlying biometric template is created, stored, and matched entirely on your device by the operating system. Correia Virtus receives only a cryptographic assertion that authentication succeeded. We do not collect, transmit, receive, or store biometric identifiers or biometric information as those terms are defined under the Illinois Biometric Information Privacy Act (740 ILCS 14), the Texas Capture or Use of Biometric Identifier Act, the Washington biometric statute (RCW 19.375), or analogous laws.
4.8 Sensitive Personal Information
Financial account information is treated as "sensitive personal information" under the California Privacy Rights Act and analogous laws. We do not knowingly collect government identifiers (e.g., Social Security numbers), health information, racial or ethnic origin, religious beliefs, sexual orientation, union membership, or biometric data. We do not use sensitive personal information for purposes beyond those reasonably necessary to deliver the Services.
5. How We Use Personal Information (Purposes and Legal Bases)
We use personal information only for the purposes described below. Where the GDPR, UK GDPR, Swiss FADP, or LGPD applies, we identify the legal basis for each purpose in brackets.
- To provide, maintain, and operate the Services; process your transactions; and display your financial information within BudgetPilot [performance of a contract].
- To authenticate you and secure your account, detect fraud, and protect against abuse [legitimate interest; legal obligation].
- To power automated transaction categorization and budgeting features (see Section 8 for AI-assisted categorization) [performance of a contract; legitimate interest].
- To respond to inquiries, provide customer support, and send transactional and service communications [performance of a contract; legitimate interest].
- To diagnose bugs, monitor performance, and improve the Services [legitimate interest].
- To comply with legal obligations, enforce our Terms of Service, and defend legal claims [legal obligation; legitimate interest].
- With your separate affirmative consent, to send optional product updates you may opt into [consent]; you may withdraw consent at any time.
We do not process personal information for behavioral advertising, ad targeting, cross-context behavioral advertising, profiling with legal or similarly significant effects, or the sale of personal information.
6. Sources of Personal Information
We obtain personal information (i) directly from you when you provide it; (ii) automatically through your use of the Services (device and usage data); and (iii) from third-party service providers acting on your behalf, specifically Plaid (which retrieves financial data from your authorized financial institution) and the Apple App Store or Google Play Store (which communicate subscription events).
7. Disclosures to Third Parties
We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We disclose personal information only to the categories of recipients listed below, each bound by contractual confidentiality and data-protection obligations at least as protective as this Policy.
7.1 Service Providers and Sub-Processors
- Plaid Inc. — banking connectivity; retrieves financial account and transaction data from your institution on your authorization. Plaid's practices are governed by plaid.com/legal. You may revoke Plaid's access at any time through BudgetPilot or through Plaid's consumer portal at my.plaid.com.
- Cloud hosting and database infrastructure — U.S.-based providers that host application servers, managed databases, logs, and encrypted backups.
- Authentication and payments — the Apple App Store and Google Play Store handle subscription billing, renewals, and refunds when you purchase through those platforms; we never receive your full payment card details.
- Anthropic, PBC — processes de-identified merchant descriptors and transaction amounts to assist with automated categorization when our built-in engine cannot determine a category. Only the merchant string and amount are transmitted; no name, email, account number, user identifier, or other directly identifying information is sent. Anthropic is contractually prohibited from using this data to train its models and is required to delete inputs on a short retention schedule.
- Web3Forms — processes contact-form submissions from correiavirtus.com and relays them to our support inbox.
- Error monitoring and analytics (privacy-preserving) — we may use tools that collect only aggregated or pseudonymous technical diagnostics.
7.2 Legal, Safety, and Corporate Transactions
We may disclose personal information (i) to comply with a subpoena, warrant, court order, or other legal process; (ii) to protect the rights, property, or safety of Correia Virtus, our users, or the public; (iii) to enforce our agreements; and (iv) in connection with a merger, acquisition, financing, reorganization, or sale of assets, in which case any successor will be required to honor this Policy.
8. Automated Processing and Artificial Intelligence
BudgetPilot uses a rule-based categorization engine and, where that engine cannot confidently categorize a transaction, a large-language-model API (Anthropic) to suggest a category. These suggestions are not automated decisions that produce legal or similarly significant effects on you within the meaning of GDPR Article 22. You remain free to accept, change, or override any category. We do not use your financial data to train any AI model, and we contractually require our AI provider not to train on our inputs.
9. Financial Privacy (Gramm-Leach-Bliley Act)
Because BudgetPilot accesses consumer financial account information, we treat such information as "nonpublic personal information" ("NPI") consistent with the principles of the Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801–6809) and the Federal Trade Commission Safeguards Rule (16 C.F.R. Part 314). We limit collection of NPI to what is necessary to deliver the Services, and we do not share NPI with non-affiliated third parties for their own marketing. We maintain a written information-security program that includes administrative, technical, and physical safeguards appropriate to the size, scope, and nature of our business, including AES-256 encryption of sensitive credentials at rest, HTTPS/TLS for data in transit, access controls, periodic risk assessments, and security-incident response procedures.
10. International Transfers
Correia Virtus is based in the United States, and personal information we process is primarily stored and processed in the United States. If you access the Services from outside the United States, your information will be transferred to, stored in, and processed in the United States. Where personal information of individuals in the European Economic Area, United Kingdom, or Switzerland is transferred to the United States, we rely on appropriate safeguards under Chapter V of the GDPR, including the European Commission's Standard Contractual Clauses (Decision (EU) 2021/914) with our U.S. sub-processors, the UK International Data Transfer Addendum, and, where available, certifications under the EU–U.S., UK Extension, and Swiss–U.S. Data Privacy Framework programs administered by the U.S. Department of Commerce. You may request a summary of our transfer mechanisms by contacting us.
11. Your Rights
11.1 United States — State Privacy Rights
Depending on your state of residence, you may have some or all of the rights listed below under the following laws: the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA/CPRA"); Virginia Consumer Data Protection Act ("VCDPA"); Colorado Privacy Act ("CPA"); Connecticut Data Privacy Act ("CTDPA"); Utah Consumer Privacy Act ("UCPA"); Texas Data Privacy and Security Act ("TDPSA"); Oregon Consumer Privacy Act ("OCPA"); Montana Consumer Data Privacy Act ("MCDPA"); Iowa Consumer Data Protection Act ("ICDPA"); Tennessee Information Protection Act ("TIPA"); Florida Digital Bill of Rights ("FDBR"); Delaware Personal Data Privacy Act ("DPDPA"); New Hampshire Privacy Act ("NHPA"); New Jersey Data Privacy Act ("NJDPA"); Nebraska Data Privacy Act; Maryland Online Data Privacy Act ("MODPA"); Minnesota Consumer Data Privacy Act ("MCDPA"); Indiana Consumer Data Protection Act ("INCDPA"); Kentucky Consumer Data Protection Act ("KCDPA"); and Rhode Island Data Transparency and Privacy Protection Act ("RIDTPPA").
- Right to know / access: request confirmation of processing and a copy of the categories, sources, purposes, and recipients of your personal information.
- Right to delete: request deletion of personal information we have collected from you, subject to statutory exceptions.
- Right to correct: request correction of inaccurate personal information.
- Right to portability: request a copy of your personal information in a portable, machine-readable format.
- Right to opt out of sale, sharing, and targeted advertising: we do not sell personal information, do not share personal information for cross-context behavioral advertising, and do not engage in targeted advertising.
- Right to limit use of sensitive personal information: you may request that we limit our use of sensitive personal information to purposes reasonably necessary to provide the Services. We already operate this way by default.
- Right to opt out of profiling: we do not conduct profiling that produces legal or similarly significant effects.
- Right to non-discrimination / no retaliation: we will not discriminate against you, deny Services, or charge different prices because you exercise a privacy right.
- Right to appeal: residents of states granting an appeal right may appeal a denial of a privacy request by replying to our decision.
To exercise a right, contact us at the privacy address above. We will verify your identity using information on file and respond within the statutory period (generally 45 days, extendable by 45 days where permitted, and within 15 business days for Texas). An authorized agent may submit a request on your behalf with written authorization.
California "Shine the Light" (Cal. Civ. Code § 1798.83): we do not disclose personal information to third parties for their direct marketing purposes.
Nevada SB 220 (NRS 603A): Nevada residents may submit a verified request to direct us not to sell their covered personal information. We do not sell covered personal information.
11.2 European Economic Area, United Kingdom, and Switzerland
You have the following rights under the GDPR, UK GDPR, and FADP: access (Art. 15); rectification (Art. 16); erasure (Art. 17); restriction of processing (Art. 18); data portability (Art. 20); objection, including to processing based on legitimate interest (Art. 21); and the right not to be subject to solely automated decision-making, including profiling, that produces legal or similarly significant effects (Art. 22). Where we process on the basis of consent, you may withdraw consent at any time, without affecting the lawfulness of prior processing. You have the right to lodge a complaint with your national supervisory authority (for example, the Irish Data Protection Commission, the UK Information Commissioner's Office, or the Swiss Federal Data Protection and Information Commissioner). We would, however, appreciate the opportunity to address your concern first.
11.3 Canada
Under PIPEDA and provincial laws including Quebec Law 25, you may request access to and correction of your personal information, withdraw consent, and file a complaint with the Office of the Privacy Commissioner of Canada or the Commission d'accès à l'information du Québec.
11.4 Brazil
Under the LGPD, you have the rights of confirmation, access, correction, anonymization, portability, deletion, information about sharing, revocation of consent, and to petition the Autoridade Nacional de Proteção de Dados.
11.5 Other Jurisdictions
Residents of other jurisdictions, including South Africa (POPIA), Australia (Privacy Act 1988), Japan (APPI), Singapore (PDPA), and similar regimes, have rights that generally parallel those above. We honor verified rights requests regardless of your location.
12. Cookies and Similar Technologies
The Correia Virtus website uses strictly necessary cookies to operate the site (for example, session management and cross-site request forgery protection). We do not use advertising cookies, cross-site tracking pixels, or third-party marketing tags. We respect the Global Privacy Control ("GPC") signal and treat it as a valid opt-out of any sale or sharing that the CCPA, CPRA, Colorado Privacy Act rules, and Connecticut Data Privacy Act would recognize.
13. Data Retention
We retain personal information only as long as necessary for the purposes for which it was collected, to comply with legal obligations (including financial recordkeeping and tax laws), to resolve disputes, and to enforce our agreements. Inactive accounts are generally deleted twelve (12) months after the last sign-in, preceded by an advance notice by email. Upon receipt of a verified deletion request, we delete live-system personal information within thirty (30) days and purge encrypted backups within ninety (90) days. Certain records may be retained for longer if required by law, in which case we isolate and protect them against further use.
14. Security
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. These include: AES-256 encryption of sensitive credentials and Plaid access tokens at rest; TLS 1.2+ for all data in transit; principle of least privilege access controls; mandatory multi-factor authentication for administrative systems; routine vulnerability scanning and dependency monitoring; secure software-development practices; and a documented incident-response plan. No system is perfectly secure; in the unlikely event of a breach that triggers notification obligations, we will notify affected individuals and regulators as required by applicable law.
15. Children's Privacy
The Services are not directed to children under 13 (or under 16 in the EEA and UK, or the equivalent local age of digital consent). We do not knowingly collect personal information from children in those age groups. If you believe a child has provided us with personal information, please contact us and we will promptly delete it in accordance with the Children's Online Privacy Protection Act (15 U.S.C. §§ 6501–6506) and other applicable laws.
16. Do Not Track and GPC
We do not change behavior in response to "Do Not Track" browser signals because there is no industry consensus on interpretation. We do honor Global Privacy Control (GPC) signals as a valid opt-out where required by law.
17. Government Non-Affiliation
Correia Virtus LLC and its products are independent and are not affiliated with, endorsed by, or sponsored by the U.S. Department of Defense, any branch of the U.S. Armed Forces, the Defense Finance and Accounting Service, or any other government agency. References to military allowances and rates in the Military PCS Toolkit are based on publicly available sources and are provided for educational and planning purposes only.
18. Changes to This Policy
We may update this Policy from time to time to reflect changes in law, our Services, or our practices. When we make material changes, we will update the "Last Updated" date and, where required by law, provide advance notice through the Services, on our website, or by email. Continued use of the Services after the effective date constitutes acceptance of the updated Policy.
19. How to Contact Us
For privacy questions, to exercise any right described above, or to make a complaint, contact us at loading…. You may also write to us at: Correia Virtus LLC, Niceville, Florida, USA.
Terms of Service
This document also serves as the Terms of Use for the website correiavirtus.com. References to "Terms of Service," "Terms of Use," or "Terms" within this agreement are interchangeable and refer to this same document.
1. Agreement and Acceptance
These Terms of Service — which also operate as the Terms of Use for the website correiavirtus.com (collectively, the "Terms") — form a legally binding agreement between you and Correia Virtus LLC ("Correia Virtus," "we," "us," or "our") governing your access to and use of BudgetPilot, the Military PCS Toolkit, the website correiavirtus.com, and any other product or service we provide (collectively, the "Services"). By creating an account, downloading, installing, accessing, browsing, or otherwise using any part of the Services, you represent that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must not access or use the Services.
2. Eligibility
You must be at least 18 years of age (or the age of legal majority in your jurisdiction, whichever is greater) to create an account or enter into a subscription. The Services are not directed to individuals under 13, and where the EEA, UK, or equivalent applies, not directed to individuals under the applicable age of digital consent. You represent and warrant that you are not located in, ordinarily resident in, or otherwise subject to the laws of a country or region subject to comprehensive U.S. sanctions, and that you are not listed on any U.S. government list of prohibited or restricted parties.
3. The Services
BudgetPilot is a personal-budgeting application that helps individuals, couples, and families plan, categorize, and track spending. It integrates with participating financial institutions through Plaid to retrieve account balances and transaction data in read-only mode. BudgetPilot is a planning and informational tool; it is not a financial institution, does not hold customer funds, does not move money, and does not provide investment, tax, legal, or other professional advice.
The Military PCS Toolkit is a web-based collection of calculators and reference content designed to help individuals plan permanent-change-of-station moves. Calculators produce estimates based on publicly available information; they are not financial or legal advice and do not guarantee any particular outcome, entitlement, or reimbursement.
The website correiavirtus.com is an institutional presence describing our studio and products.
4. Accounts
Certain features require an account. You agree to provide accurate, current, and complete registration information and to keep it up to date. You are responsible for safeguarding your credentials (including any device-level biometric authentication) and for all activity under your account. Notify us promptly if you suspect unauthorized access. We may refuse, suspend, or terminate accounts at our discretion, including for suspected fraud or violation of these Terms.
5. Subscriptions, Billing, and Auto-Renewal
BudgetPilot is offered on a subscription basis. Current pricing and renewal terms are disclosed to you at the point of purchase and, where required by applicable law (including the U.S. Restore Online Shoppers' Confidence Act, California Automatic Renewal Law, and equivalent state and international statutes), immediately prior to the first charge. By subscribing, you authorize the platform operator (Apple or Google) to charge your selected payment method for the initial fee and for each renewal period at the then-current rate until you cancel.
Renewal and cancellation. Subscriptions renew automatically for successive periods unless canceled at least 24 hours before the end of the then-current period (or a different period disclosed at checkout). You may cancel at any time through your Apple ID subscription settings or Google Play subscription settings. Cancellation takes effect at the end of the then-current billing period; no partial refunds are provided for unused time, except where required by law.
Free trials and introductory pricing. If a free trial or introductory rate is offered, we will disclose its duration and the price that will apply at expiration. You must cancel before trial expiration to avoid conversion to a paid subscription.
Price changes. We may change subscription prices from time to time. Material price increases will be communicated at least 30 days in advance and will apply to renewals after the notice period. Where required by law, your affirmative consent will be obtained before any price increase takes effect.
Platform billing. Purchases made through the Apple App Store or Google Play Store are billed, processed, and refunded exclusively by those platforms under their terms. We cannot process refunds for platform-billed subscriptions; requests must be submitted through the platform. Correia Virtus does not hold, store, or have access to your full payment card or payment instrument details.
Taxes. Prices exclude applicable taxes unless otherwise stated. Where the platform is required to collect VAT, GST, or sales tax, those amounts are added at checkout.
6. Bank Connectivity via Plaid
BudgetPilot uses Plaid Inc. ("Plaid") to connect to your financial institution. By connecting an account, you acknowledge and agree that: (i) your use of Plaid is subject to Plaid's End User Services Agreement and Privacy Policy at plaid.com/legal; (ii) you authorize Plaid to collect, use, and share your financial information on your behalf in read-only mode; (iii) Correia Virtus never receives, views, or stores your online-banking credentials; (iv) access to transaction and balance data may be interrupted by your financial institution or by Plaid for reasons outside our control; and (v) you may revoke Plaid's access at any time within BudgetPilot or through Plaid's consumer portal at my.plaid.com. Correia Virtus is not responsible for the accuracy or completeness of data retrieved from your institution or for any outage or delay caused by Plaid or the institution.
7. Shared Household Access
BudgetPilot offers shared household access on a single subscription. By inviting another adult to your household, you authorize them to view and edit shared budgets, transactions, categories, and goals. You are solely responsible for deciding whom to invite and for any dispute between household members regarding shared data. Household members cannot view sign-in credentials or payment details of other members.
8. Artificial-Intelligence Features
BudgetPilot uses a large-language-model API operated by Anthropic, PBC to help categorize certain transactions when our built-in rules-based engine cannot. Only the merchant descriptor and amount are transmitted; no account identifier, name, or other direct identifier is sent. Categorizations are suggestions only; you may accept, edit, or override any categorization, and we are not responsible for financial outcomes derived from AI-assisted categorization. Our AI provider is contractually prohibited from using our inputs to train its models. AI features may be modified or discontinued with reasonable notice.
9. Accuracy and No Professional Advice
The Services are informational and planning tools. Calculators, budgets, categorizations, and reference information are estimates and may contain errors, omissions, or stale data. Nothing in the Services constitutes financial, investment, tax, accounting, legal, or professional advice. You are solely responsible for financial decisions you make. We strongly recommend consulting a qualified professional for consequential decisions. For matters covered by the Military PCS Toolkit, consult your Transportation Management Office, Finance office, or DFAS for authoritative guidance.
10. User Content and License
You retain all ownership rights in content you submit to the Services ("User Content"), including budget categories, notes, and custom labels. You grant Correia Virtus a limited, worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display your User Content solely to operate and provide the Services to you and, where applicable, to members of your household account. You represent that you have all rights necessary to submit your User Content and that it does not infringe any third-party right or applicable law.
11. Acceptable Use
You agree not to, and not to permit any third party to: (a) violate any law, regulation, or third-party right; (b) access, probe, or test the vulnerability of the Services without authorization; (c) interfere with, disrupt, or impair the Services or the servers or networks connected to them; (d) decompile, reverse engineer, disassemble, or attempt to derive source code or underlying data structures, except to the extent that such restriction is expressly prohibited by law; (e) scrape, harvest, or otherwise extract data from the Services using automated means; (f) introduce malware, viruses, or other harmful code; (g) impersonate any person or misrepresent your affiliation with any person; (h) use the Services for money laundering, terrorist financing, or other illegal financial activity; (i) resell, sublicense, or otherwise commercialize the Services without our prior written consent; (j) remove, obscure, or alter any proprietary notices; or (k) use the Services in a way that unreasonably interferes with other users' enjoyment.
12. Intellectual Property
The Services, including all text, graphics, logos, icons, interfaces, software, and underlying technology, are owned by Correia Virtus LLC or its licensors and are protected by United States and international copyright, trademark, trade-dress, patent, and other intellectual-property laws. "Correia Virtus," "BudgetPilot," and related marks are trademarks of Correia Virtus LLC. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Services for your personal, non-commercial use. All rights not expressly granted are reserved.
13. Third-Party Services
The Services may interoperate with or link to third-party services, including Plaid, the Apple App Store, Google Play, and your financial institutions. Your use of those services is governed by their terms and privacy policies. We are not responsible for, and do not endorse, third-party services, content, or practices.
14. Feedback
If you choose to submit ideas, suggestions, or feedback, you grant Correia Virtus a perpetual, irrevocable, royalty-free, worldwide license to use such feedback for any purpose, without obligation to you. You waive any moral rights in feedback to the extent permitted by law.
15. Service Availability
We strive to keep the Services available at all times but do not guarantee uninterrupted or error-free operation. The Services may be unavailable due to scheduled maintenance, force majeure, outages at third-party providers (including Plaid, cloud hosts, and the app stores), or other factors beyond our reasonable control. We do not offer a service-level agreement or uptime guarantee unless stated in writing.
16. Changes to the Services
We may add, modify, or discontinue features of the Services at any time. We will provide reasonable notice of material adverse changes where practicable.
17. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR ACCURATE, OR THAT ANY DATA RETRIEVED FROM THIRD-PARTY SOURCES (INCLUDING PLAID) WILL BE COMPLETE OR TIMELY. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CORREIA VIRTUS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, WHETHER UNDER CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) ONE HUNDRED U.S. DOLLARS (US$100). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR, WHERE APPLICABLE, DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR CERTAIN CONSUMER RIGHTS UNDER EU, UK, AUSTRALIAN, OR CANADIAN LAW.
19. Indemnification
To the extent permitted by law, you agree to indemnify, defend, and hold harmless Correia Virtus LLC and its officers, directors, employees, contractors, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (i) your breach of these Terms; (ii) your violation of any law or third-party right; (iii) your User Content; or (iv) your misuse of the Services. This indemnity does not apply to the extent a claim arises from our gross negligence or willful misconduct.
20. Termination
You may stop using the Services and delete your account at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or if we reasonably believe suspension is necessary to protect the Services or other users. Upon termination: your license to use the Services ends; we will delete your personal information per our Privacy Policy; and sections that by their nature should survive will survive.
21. Governing Law and Venue
These Terms are governed by the laws of the State of Florida, USA, without regard to conflict-of-laws rules. For consumers residing in the EEA, UK, Switzerland, or other jurisdictions that grant mandatory consumer protections, nothing in this section overrides those protections; you retain the benefit of the mandatory consumer-protection laws of your place of residence, and may bring actions in the courts of your place of residence where those laws so provide.
22. Dispute Resolution; Arbitration; Class-Action Waiver
Informal resolution first. Before filing any claim, you agree to contact us at the address in these Terms and allow 60 days for good-faith resolution.
Binding individual arbitration (U.S. users). If informal resolution fails, you and Correia Virtus agree that any dispute arising out of or relating to the Services or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration will take place in Okaloosa County, Florida, or by telephone/video, at your election. The arbitrator may award any relief a court could, except that the arbitrator may not consolidate claims or preside over class or representative proceedings.
Class and jury waiver. You and Correia Virtus waive any right to a jury trial and to participate in a class action, class arbitration, or representative action, except where such waiver is prohibited by applicable law.
Opt-out right. You may opt out of this arbitration agreement by sending written notice within 30 days after first accepting these Terms to the privacy address above, stating your name and that you opt out. Opting out will not affect other provisions.
Carve-outs. Either party may bring claims of infringement of intellectual-property rights, or seek injunctive relief, in a court of competent jurisdiction. Nothing in these Terms prevents you from bringing an individual action in small-claims court or reporting concerns to a government authority.
Non-U.S. consumers. This arbitration clause does not apply where prohibited by the mandatory law of your country of residence (including many EEA and UK consumers). In that case, disputes will be resolved by the competent courts of your place of residence.
23. Apple App Store Additional Terms
If you obtained BudgetPilot through the Apple App Store, you acknowledge that: (i) these Terms are between you and Correia Virtus only, not Apple Inc.; (ii) Apple has no obligation to provide maintenance or support; (iii) in the event of any failure of BudgetPilot to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if any); Apple has no other warranty obligations; (iv) Apple is not responsible for addressing claims by you or third parties relating to BudgetPilot or your possession or use of BudgetPilot, including product-liability, consumer-protection, or intellectual-property claims; (v) you represent that you are not in a U.S.-embargoed country and not on any U.S. government restricted-parties list; and (vi) Apple and its subsidiaries are third-party beneficiaries of these Terms with the right to enforce them against you.
24. Google Play Additional Terms
If you obtained BudgetPilot through Google Play, your download, installation, and use are additionally subject to the Google Play Terms of Service. Billing, refunds, and subscription management for Google Play purchases are handled by Google. Correia Virtus is responsible for BudgetPilot itself; Google is not a party to these Terms.
25. Electronic Communications and Notices
By creating an account or using the Services, you consent to receive electronic communications from us for transactional, administrative, security, legal, and service-related purposes (including receipts, security notices, and changes to policies). You may opt out of optional promotional communications. Legal notices to you may be posted in the Services or sent to the email address associated with your account. Notices to us must be sent to the privacy address in these Terms.
26. Force Majeure
We are not liable for delays or failures to perform caused by events beyond our reasonable control, including acts of God, pandemics, natural disasters, war, civil unrest, government action, cyberattacks, labor disputes, telecommunications or power failures, and failures of third-party service providers.
27. Assignment
You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets, or otherwise with notice to you.
28. Export Controls
You agree to comply with all applicable U.S. export control and sanctions laws and regulations, including the U.S. Export Administration Regulations and Office of Foreign Assets Control sanctions.
29. Government End Users
If you are a U.S. government end user, the Services are "commercial items" and "commercial computer software" as defined in FAR 2.101 and DFARS 252.227-7014, licensed with only those rights as granted to all other end users under these Terms.
30. Severability; Waiver; Entire Agreement
If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent. Our failure to enforce any right is not a waiver. These Terms, together with our Privacy Policy and any subscription terms disclosed at purchase, constitute the entire agreement between you and Correia Virtus regarding the Services and supersede any prior or contemporaneous agreements.
31. Changes to These Terms
We may modify these Terms from time to time. Material changes will be posted in the Services or on the website and, where required by law, communicated at least 30 days before they take effect. Your continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Services.
32. Contact
Questions about these Terms should be sent to loading…, or by mail to: Correia Virtus LLC, Niceville, Florida, USA.