Legal
Last updated: September 26, 2026
The short version
What the capitalised words mean. Skim it once and the rest reads faster.
1.1 In these Terms, the following capitalised expressions bear the meanings assigned to them below:
1.2 Headings are for convenience only and do not affect interpretation. The words "including", "includes" and "in particular" are to be construed as illustrative and without limitation. References to a statute or statutory provision include any subordinate legislation made under it and any re-enactment or amendment thereof.
You have to be old enough to sign a contract.
2.1 By creating an Account, accessing or using the Service, you acknowledge that you have read and understood, and agree to be bound by, this Agreement, including the Privacy Policy. If you do not accept this Agreement in its entirety, you must not access or use the Service.
2.2 You represent and warrant that: (a) you are at least eighteen (18) years of age, or the age of majority in your jurisdiction of residence, whichever is greater; (b) you possess the legal capacity to enter into a binding contract; (c) you are not barred from receiving the Service under the laws of any applicable jurisdiction; and (d) all information you supply in connection with your Account is true, accurate and complete, and will be kept so.
2.3 The Service is not directed to, and may not be used by, persons under the age of sixteen (16) in any circumstances.
2.4 Territorial availability. The Service is operated from the United States and, subject to clause 19, is offered to Users wherever resident.
2.5 Where you accept this Agreement on behalf of a legal entity, you represent and warrant that you have authority to bind that entity, and references to "you" are to that entity.
Keep your login to yourself, and tell us quickly if it gets out.
3.1 Access to the Service requires an Account. Authentication is administered through a third-party identity provider as described in the Privacy Policy.
3.2 You are solely responsible for: (a) maintaining the confidentiality of your authentication credentials; (b) all activity occurring under your Account, whether or not authorised by you; and (c) ensuring that any device used to access the Service is adequately secured.
3.3 You shall notify the Provider without undue delay at security@rudopo.app upon becoming aware of any unauthorised access to, or use of, your Account or credentials.
3.4 Accounts are personal to the User. You shall not sell, transfer, assign or share your Account or credentials with any other person. You may create multiple spaces within a single Account; you may not operate a single Account for multiple persons.
Rudopo is budgeting software. It isn't a bank, a broker, or an accountant, and it doesn't touch your money.
4.1 The Service is a software application that enables you to record, categorise, import and analyse your own financial records, and to view computations derived from the Customer Data you supply.
4.2 For the avoidance of doubt, and notwithstanding anything to the contrary, the Provider is not:
4.3 The Service operates exclusively upon Customer Data supplied by you. The Provider does not verify, audit, reconcile against source records, or otherwise assure the accuracy, completeness or legality of Customer Data.
You may use Rudopo normally. Don't resell it, break into it, or take it apart.
5.1 Subject to your continuing compliance with this Agreement, the Provider grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Service for your own personal financial-management purposes for the duration of the Term.
5.2 You shall not, and shall not permit any third party to:
5.3 The Provider may investigate any suspected breach of this clause 5 and may take such action as it considers appropriate, including suspension or termination pursuant to clause 14.
5.4 Security researchers acting in good faith are invited to disclose suspected vulnerabilities to security@rudopo.app prior to any public disclosure. The Provider will not pursue action under clause 5.2(c) in respect of testing that is limited to the researcher's own Account, causes no degradation of the Service, accesses no other User's data, and is promptly reported.
Nothing Rudopo shows you is advice. The numbers come from what you typed, and the decisions are yours.
6.1 All reports, projections, forecasts, balances, net-worth figures, budget computations, currency conversions and other outputs of the Service are generated automatically from Customer Data and are furnished for informational purposes only.
6.2 Such outputs do not constitute, and shall not be construed as, financial, investment, tax, accounting or legal advice, a recommendation, a solicitation, or an offer to buy or sell any financial instrument, and no adviser-client, fiduciary or agency relationship arises between you and the Provider.
6.3 Currency conversion is performed using European Central Bank reference rates obtained from a public source, using Banca d'Italia reference rates obtained from Banca d'Italia, using the official US-dollar peg of a currency applied to the European Central Bank's US-dollar rate, or using rates you supply. Such rates are indicative, are published for reference purposes, and may differ materially from the rate applied by any financial institution to an actual transaction.
6.4 You are solely responsible for all decisions taken in reliance upon the Service and are advised to verify all figures independently and to obtain professional advice appropriate to your circumstances before acting.
Your data is yours. We only handle it to run the service for you — and you should keep your own backups, which the export tools are there for.
7.1 As between the parties, you retain all right, title and interest in and to the Customer Data. No provision of this Agreement transfers ownership of Customer Data to the Provider.
7.2 You grant the Provider a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, transmit, display, adapt for formatting purposes, and process the Customer Data solely to the extent necessary to: (a) provide, maintain and support the Service to you; (b) create and maintain backups; (c) prevent, detect and investigate fraud, abuse and security incidents; and (d) comply with applicable law. This licence is limited to those purposes, confers no right to exploit Customer Data for any other purpose, and terminates upon deletion of the Customer Data, subject to residual copies in backups purged on the cycle described in the Privacy Policy.
7.3 The Provider does not use Customer Data to develop or train machine-learning or artificial-intelligence models, nor to construct advertising or marketing profiles, nor does it sell, rent or otherwise make Customer Data available to any third party for consideration.
7.4 You warrant that you have all rights necessary to submit the Customer Data and that its submission and processing under this Agreement does not infringe the rights of any third party or breach any applicable law. You are responsible for the accuracy, quality and legality of Customer Data.
7.5 You may export a complete, machine-readable copy of the Customer Data at any time using the facilities provided within the Service. You are responsible for retaining independent copies of any Customer Data the loss of which would be material to you; the export facility is provided for that purpose.
Rudopo is a paid subscription with a 30-day free trial. A card is taken up front, and if you cancel before the trial ends you pay nothing. Tax is added where it applies.
8.1 Use of the Service requires a paid subscription on a monthly or annual plan, at the price published on the pricing section of the Provider's website when you subscribe. Prices are stated exclusive of sales tax, value added tax, goods and services tax and similar taxes. Any such tax is added where applicable, calculated by the merchant of record by reference to your location, and shown to you before you confirm the purchase.
8.2 A subscription begins with a free trial of up to 30 days. Each customer has one trial period of 30 days, counted from the day their first trial starts. A later subscription by the same customer receives the unexpired part of that period, if any, and none once it has ended. Enrolment requires a valid payment instrument, which is authorised but not charged during the trial. Unless you cancel before the trial ends, the subscription converts to a paid subscription on the plan you selected. The first charge is taken when the trial ends, and a further charge at the start of each billing period after that until you cancel.
8.3 In respect of every subscription: (a) payment processing shall be performed by a third-party payment provider acting as merchant of record under its own terms presented at checkout, and no payment-card details shall be transmitted to or stored by the Provider; (b) a subscription cancelled by you shall continue until the end of the period already paid for and shall not renew thereafter; and (c) the Provider may amend prices for future billing periods upon not less than thirty (30) days' notice, with continued subscription after the effective date constituting acceptance of the amended price.
8.4 Failed renewal and lapse. (a) Where a renewal charge fails, the subscription continues, with full access to the Service, while the merchant of record retries collection for up to 7 days. (b) If collection is not recovered within that period, the subscription is cancelled. (c) Where access under a subscription, including a free trial, ends for any reason and is not renewed, the Account is restricted to viewing, exporting and deleting Customer Data for a period of not less than 12 months. During that period notice is given by electronic mail before erasure, and resubscribing within that period restores full access and all Customer Data and cancels the erasure. (d) Not earlier than the expiry of that period, the Account and all Customer Data are permanently erased. (e) Where no subscription is started for an Account, the Account is restricted in the same manner from the later of the date it was created and the date on which paid subscriptions were first offered under these Terms; notice is given by electronic mail before erasure; and the Account and all Customer Data are permanently erased not earlier than 60 days after that later date unless a subscription is started before then.
8.5 Refunds. Payments are processed by Dodo Payments, which acts as merchant of record and as an authorised reseller of the Service; your purchase of a subscription is accordingly made from Dodo Payments. The circumstances in which a subscription charge is refunded, and the manner in which a refund is requested and paid, are set out in the Refund Policy, which forms part of this Agreement. In summary, and without limiting that policy: a monthly subscription is not refunded once a charge has been taken, the free trial being the period in which the Service may be evaluated without charge; and an annual subscription is refunded pro rata for the unexpired portion of the period paid for. In the event of any inconsistency between the Refund Policy and any other provision of this clause 8, the Refund Policy prevails. Nothing in this Agreement limits a refund that Dodo Payments would otherwise grant, or any right you have under the consumer law of your country of residence that may not be excluded by agreement.
How we handle personal data lives in the Privacy Policy; this points you there.
9.1 The Provider determines the purposes and means of the processing of personal data carried out in connection with the Service. The categories of personal data processed, the purposes of processing, the recipients, the locations in which data is stored, the retention periods applied and the rights available to you are set out in the Privacy Policy, which forms part of this Agreement.
9.2 The Provider maintains an internal record of its processing activities and of the agreements governing each service provider that processes personal data on its behalf, and implements technical and organisational security measures appropriate to the risk.
9.3 The Service is intended for the management of your own personal financial affairs. Where you elect to enter personal data relating to any other natural person, you do so as the party determining the purposes of that entry and you warrant that you have a lawful basis for doing so.
The service can change or go down, and we can't promise it never will.
10.1 The Provider shall use commercially reasonable endeavours to make the Service available, but does not warrant uninterrupted, timely, secure or error-free operation. No service-level commitment is offered, and the Service may be unavailable during scheduled or emergency maintenance or by reason of matters described in clause 22.5.
10.2 The Provider may at its discretion add, modify, suspend or withdraw any feature or functionality of the Service, provided that it shall not materially degrade the core function of recording and exporting Customer Data without notice.
10.3 Should the Provider elect to discontinue the Service in its entirety, it shall give not less than thirty (30) days' prior notice, during which period the export facility described in clause 7.5 shall remain operative.
Some parts rely on other companies. We pick them carefully but we don't control them.
11.1 The Service is delivered by means of third-party infrastructure and service providers, including those identified in the Privacy Policy. The Provider remains responsible for its own obligations under this Agreement but is not liable for the acts, omissions, availability or performance of such providers save to the extent caused by the Provider's own breach.
11.2 Where you interact directly with a third party through or alongside the Service, including at a payment checkout operated by a merchant of record, that interaction is additionally governed by that third party's terms and privacy notice, which you should review.
The software is ours, your data is yours, and ideas you send us we can use.
12.1 The Service, including all software, source code, object code, user interfaces, designs, text, graphics, trade marks, trade names and other content (excluding Customer Data), and all intellectual property rights therein, are and shall remain the exclusive property of the Provider and its licensors. All rights not expressly granted under clause 5.1 are reserved.
12.2 If you communicate to the Provider any suggestion, enhancement request, recommendation, correction or other feedback relating to the Service, you grant the Provider a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable licence to use, reproduce, modify and exploit such feedback for any purpose, without attribution, accounting or compensation to you. You shall not submit feedback that is subject to any third party's intellectual property rights or confidentiality obligations.
This agreement runs from the moment you accept it until one of us ends it.
13.1 This Agreement takes effect upon your first acceptance under clause 2.1 and continues until terminated in accordance with clause 14 (the "Term").
How either side ends this, and what happens to your data afterwards.
14.1 Termination by you. You may terminate this Agreement at any time and for any reason by ceasing to use the Service and deleting your Account by means of the facility provided within it. Deletion of the Account is immediate and irreversible as described in the Privacy Policy.
14.2 Suspension and termination by the Provider. The Provider may suspend or terminate your access to the Service, in whole or in part, with immediate effect where: (a) you are in material breach of this Agreement; (b) suspension or termination is required by applicable law or by order of a competent authority; or (c) your use presents a material security, legal or operational risk to the Service or to other Users. Save where the breach is material and incapable of remedy, where notice is prohibited by law, or where delay would prejudice the Provider or other Users, the Provider shall give notice and a reasonable opportunity to remedy and to export Customer Data.
14.3 Effect of termination. Upon termination: (a) the licence granted under clause 5.1 terminates immediately; (b) you shall cease all use of the Service; and (c) Customer Data shall be deleted in accordance with the Privacy Policy, subject to residual copies held in backups and to any records the Provider is required by law to retain.
14.4 Survival. Clauses 1, 6, 7.1, 7.3, 7.4, 12, 14.3, 14.4, 15, 16, 17, 18, 20 and 22, together with any other provision which by its nature is intended to survive, shall survive termination or expiry of this Agreement.
The honest version: software has bugs, data can be lost, and we don't guarantee otherwise. Export your data.
15.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL OUTPUTS THEREOF ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY, CONDITION OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, TITLE OR NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
15.2 WITHOUT LIMITING CLAUSE 15.1, THE PROVIDER DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT CUSTOMER DATA WILL NOT BE LOST OR CORRUPTED, OR THAT ANY CALCULATION, PROJECTION, BALANCE OR CONVERSION DISPLAYED BY THE SERVICE IS ACCURATE OR COMPLETE.
15.3 Certain jurisdictions do not permit the exclusion of implied warranties or conditions. To the extent such exclusion is impermissible, the exclusions in this clause 15 apply to the fullest extent permitted, and any implied warranty that cannot be excluded is limited in duration to the shorter of ninety (90) days from first use or the minimum period required by law.
There's a ceiling on what we can owe you if something goes wrong — and it's low, because the service is cheap.
16.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PROVIDER SHALL NOT BE LIABLE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY, RESTITUTION OR OTHERWISE, FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFIT, REVENUE, ANTICIPATED SAVINGS, GOODWILL, BUSINESS OPPORTUNITY OR DATA, OR FOR ANY LOSS ARISING FROM A FINANCIAL DECISION TAKEN IN RELIANCE UPON THE SERVICE, IN EACH CASE HOWEVER ARISING AND WHETHER OR NOT THE PROVIDER WAS ADVISED OF THE POSSIBILITY OF SUCH LOSS.
16.2 THE PROVIDER'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS PAID BY YOU TO THE PROVIDER IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (B) FIFTY UNITED STATES DOLLARS (US$50).
16.3 Nothing in this Agreement excludes or limits liability which cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for wilful misconduct, or, where applicable law so provides, for gross negligence.
16.4 Where you use the Service as a consumer, mandatory consumer-protection rights conferred by the law of your country of residence are unaffected by this Agreement, and the limitations in this clause 16 apply only to the extent permitted by that law.
16.5 The allocation of risk in clauses 15 and 16 is an essential basis of the bargain between the parties and reflects the price at which the Service is supplied.
If your use of Rudopo drags us into someone else's legal claim, you cover it.
17.1 You shall indemnify, defend and hold harmless the Provider and its officers, employees, contractors and agents from and against any claim, demand, action, proceeding, liability, damage, loss, cost or expense (including reasonable legal fees) brought by a third party and arising out of or in connection with: (a) your breach of this Agreement; (b) your violation of any applicable law or of the rights of any third party; or (c) the Customer Data, including any claim that it infringes or misappropriates the rights of a third party. This indemnity does not apply to the extent the claim arises from the Provider's own breach of this Agreement or its wilful misconduct.
Which law applies, which courts decide, and the requirement to talk to us first.
18.1 This Agreement, and any non-contractual obligation arising out of or in connection with it, is governed by the laws of the State of Arkansas, United States, without regard to its conflict-of-laws provisions and excluding the United Nations Convention on Contracts for the International Sale of Goods.
18.2 Subject to clause 18.4, the courts of that jurisdiction shall have exclusive jurisdiction to settle any dispute arising out of or in connection with this Agreement.
18.3 Informal resolution. Prior to commencing any proceeding, the party raising the dispute shall notify the other in writing (in the case of the Provider, at hello@rudopo.app) with a description of the dispute and the relief sought, and the parties shall negotiate in good faith for a period of not less than thirty (30) days.
18.4 Consumer carve-out. Where you use the Service as a consumer, nothing in clauses 18.1 or 18.2 deprives you of the protection afforded by provisions that cannot be derogated from by agreement under the law of your country of habitual residence, nor of your right to bring proceedings in, or to be sued only in, the courts of that country.
You can't use Rudopo from a sanctioned country or while on a sanctions list.
19.1 You represent and warrant that you are not located in, and are not a national or resident of, any country subject to comprehensive trade sanctions administered by the United States, the European Union or the United Kingdom, and that you are not a person or entity designated on any applicable restricted-party list. You shall not access or use the Service in violation of any applicable export-control or sanctions law.
How we reach you and how you reach us, and why email counts as writing.
20.1 You consent to receive communications from the Provider in electronic form, whether by electronic mail to the address associated with your Account or by notice posted within the Service, and agree that such communications satisfy any legal requirement that a communication be in writing.
20.2 Notices to the Provider shall be sent to hello@rudopo.app, or by post to Rudopo LLC, 701 South St. STE 100, Mountain Home, AR 72653, United States. Notices sent by electronic mail are deemed received on the next business day following transmission. Notices to you are deemed received upon transmission to the address associated with your Account or upon posting within the Service.
We can change these Terms, but material changes come with fourteen days' notice.
21.1 The Provider may amend this Agreement from time to time. The date stated at the head of this document reflects the version then in force. Where an amendment materially reduces your rights or materially expands your obligations, the Provider shall give not less than fourteen (14) days' notice by electronic mail or in-application notice prior to the amendment taking effect. Continued use of the Service after the effective date constitutes acceptance of the amended Agreement; if you do not accept it, you must cease use and may delete your Account under clause 14.1.
The standard closing machinery: severability, assignment, no waiver, entire agreement.
22.1 Entire agreement. This Agreement constitutes the entire agreement between the parties in respect of the Service and supersedes all prior or contemporaneous communications, representations and understandings, whether oral or written. Each party acknowledges that it has not relied upon any statement not set out in this Agreement, save that nothing limits liability for fraudulent misrepresentation.
22.2 Severability. If any provision of this Agreement is held to be invalid, illegal or unenforceable, that provision shall be modified to the minimum extent necessary to render it enforceable, or if such modification is not possible, severed, and the remaining provisions shall continue in full force and effect.
22.3 No waiver. No failure or delay by a party in exercising any right or remedy operates as a waiver of it, and no single or partial exercise precludes any further exercise.
22.4 Assignment. You may not assign, novate or otherwise transfer this Agreement or any right or obligation under it without the Provider's prior written consent. The Provider may assign or novate this Agreement in whole or in part to an affiliate or in connection with a merger, acquisition, corporate reorganisation or sale of all or substantially all of its assets, and shall notify you of any such assignment affecting the processing of Customer Data.
22.5 Force majeure. Neither party shall be liable for any delay in or failure of performance (other than an obligation to pay) caused by circumstances beyond its reasonable control, including failures of underlying infrastructure or telecommunications providers, denial-of-service attacks, epidemic, natural disaster, armed conflict, or act of government.
22.6 Relationship and third parties. Nothing in this Agreement creates any partnership, joint venture, agency or employment relationship between the parties. A person who is not a party to this Agreement has no right to enforce any of its terms.
22.7 Language. This Agreement is concluded in the English language, and the English text prevails over any translation.
Where to write.
23.1 General and contractual enquiries: hello@rudopo.app. Security disclosures: security@rudopo.app. Data-protection enquiries are addressed in the Privacy Policy. Postal address: Rudopo LLC, 701 South St. STE 100, Mountain Home, AR 72653, United States.