Terms of Service

Effective November 12, 2026

CreaBud is operated by DuoRive, a trade name of SLK Électrique, a sole proprietorship registered in Québec, Canada ("we", "us"). By creating a CreaBud account or using the application, you agree to these terms. If you do not agree, please do not use CreaBud.

The service

CreaBud is a household budgeting and planning tool. It helps you record accounts, bills, debts, and incomes, and it displays balances, forecasts, and payoff simulations based on the information you enter. CreaBud does not connect to your bank accounts, does not move money, and cannot make payments on your behalf.

CreaBud is a planning tool, not a financial service. It does not provide financial, investment, tax, or legal advice. Amounts shown as estimates (for example, interest rates labelled "estimate") are approximations: always confirm balances, rates, and due dates with your financial institutions before acting on them.

Your account

• You must provide a valid email address and keep your password confidential. You are responsible for activity that happens under your account.
• You may share your budget with household members you invite. You are responsible for the people you invite and what they can access.
• Tell us promptly at the contact address below if you believe your account has been compromised.

Your data

The budget data you enter remains yours. You give us only the limited permission needed to store, process, sync, and display it so the service works for you, as described in our Privacy Policy. You are responsible for the accuracy of the information you enter and for keeping your own records of important financial documents.

Acceptable use

• Do not use CreaBud for any unlawful purpose.
• Do not attempt to access another person's account or budget, or to interfere with the operation or security of the service.
• Do not upload content that infringes someone else's rights or contains malicious code.

Availability and changes

CreaBud is provided "as is" and "as available". We work to keep it reliable, but we do not guarantee uninterrupted or error-free operation, and calculations may differ from your institutions' records. We may improve, change, or discontinue features over time. We may also update these terms; when we make a material change, we will announce it in the application or by email, and your continued use of CreaBud after the change takes effect means you accept the updated terms.

Liability

To the maximum extent permitted by law, DuoRive / SLK Électrique is not liable for financial decisions made using CreaBud, nor for indirect or consequential damages arising from use of the service. Nothing in these terms limits rights that cannot be limited under the consumer protection laws applicable in Québec.

Ending your account

You can stop using CreaBud at any time. To have your account and budget data deleted, contact us at the address below; deletion is handled as described in the Privacy Policy. We may suspend or close an account that breaches these terms.

Governing law

These terms are governed by the laws of the Province of Québec and the federal laws of Canada that apply in Québec.

Contact

Questions about these terms: bslakmon@duorive.com