Product scope
Budgeting records, not financial services.
This page defines the public commercial service available through befinely.com and the boundaries that apply to every subscription.
befinely does not take custody of funds, initiate transactions, facilitate lending, execute trades, exchange assets, provide escrow, or settle payments. All real-world money movement occurs outside befinely.
Public core service
- Six-jar budgeting with adjustable allocations for Necessities, Future, Education, Long-term Savings, Play, and Giving
- Manual transaction and account recordkeeping
- Categories, tags, and monthly budgets
- Planned spending and contribution reminders
- Personal and shared household goals
- Historical reports based on user-entered records
- Invited household collaboration on a shared ledger
Does and does not
| Area | befinely does | befinely does not |
|---|---|---|
| Six-jar budgeting | Organizes user-entered plans across six configurable budgeting jars | Does not move money into separate accounts or guarantee financial outcomes |
| Budget records | Stores user-entered records for budgets and historical review | Does not verify that a real-world payment occurred |
| Accounts | Keeps user-defined account names and calculated record balances | Does not open or control a bank, payment, or stored-value account |
| Households | Shares a collaborative ledger and budget view with invited members | Does not pool, hold, receive, or distribute household money |
| Goals | Tracks a recorded target and progress | Does not save, invest, or move money toward a goal |
| Reports | Calculates historical totals and trends from saved records | Does not provide tax, legal, credit, or investment advice |
| Subscription | Delivers access to budgeting software | Does not sell a financial product or financial account |
No advice or reliance
Calculations and reports are informational outputs based on data entered by users. They are not financial, investment, credit, tax, accounting, or legal advice. Users remain responsible for verifying their records and making their own decisions.