IDK Terms of Service

Last Updated: January 2026

These Terms of Service (“Terms”) govern your access to and use of the IDK application suite (“IDK,” “we,” “us,” or “our”), including IDK My Money, IDK My Budget, and IDK My Groceries (collectively, the “Apps”).

By accessing or using IDK, you agree to these Terms. If you do not agree, do not use the Apps.

1. What IDK Is (and Isn’t)

IDK is an educational financial tracking platform designed to help users—especially families, teens, and young adults—build awareness around money, budgeting, and spending habits.

IDK is not:

  • A bank

  • A payment processor

  • A financial advisor

  • Connected to real bank accounts

  • A substitute for professional financial advice

All data entered into IDK is user-generated and informational only.

2. Eligibility and Accounts

  • You must have a valid Google account to use IDK.

  • By using IDK, you represent that you are legally allowed to use the Apps.

  • IDK is designed for users aged 11 and up.
    Parental guidance and oversight are strongly recommended for minors.

Parents or guardians are responsible for how children use the Apps and what data is entered.

3. User Responsibilities

You are responsible for:

  • The accuracy of all information you enter

  • How you interpret and act on that information

  • Keeping your Google account secure

  • All activity that occurs under your account

You agree not to:

  • Enter real banking credentials

  • Attempt to access other users’ data

  • Reverse engineer, scrape, or misuse the Apps

  • Use IDK for illegal or fraudulent purposes

4. No Financial Advice Disclaimer

IDK provides tracking and visualization tools only.

Nothing in the Apps constitutes:

  • Financial advice

  • Investment advice

  • Legal advice

  • Tax advice

You are solely responsible for your financial decisions. If you need professional advice, consult a qualified professional.

5. Data and Privacy

  • IDK stores data using Firebase and Google authentication.

  • Your data is scoped to your account and not visible to other users.

  • We do not sell your personal data.

  • You may delete your data at any time through the Apps.

For details on how data is handled, refer to the IDK Privacy Policy.

6. Availability and Changes

We may:

  • Modify or discontinue features

  • Add or remove Apps

  • Update these Terms from time to time

We’ll update the “Last Updated” date when changes are made. Continued use of IDK means you accept the updated Terms.

7. Intellectual Property

All content, design, code, and branding associated with IDK is owned by Logic Nerds unless otherwise stated.

You are granted a limited, non-exclusive, non-transferable license to use the Apps for personal, non-commercial use.

You may not copy, distribute, or resell any part of IDK without written permission.

8. Service Provided “As Is”

IDK is provided “as is” and “as available.”

We do not guarantee that:

  • The Apps will be error-free

  • Data will always be available

  • The Apps will meet your specific needs

Use IDK at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law:

  • Logic Nerds is not liable for financial loss, data loss, or decisions made based on IDK

  • We are not responsible for indirect, incidental, or consequential damages

Our total liability, if any, will not exceed the amount you paid to use IDK (which may be $0).

10. Termination

You may stop using IDK at any time.

We reserve the right to suspend or terminate access if:

  • These Terms are violated

  • The Apps are misused

  • Required by law

11. Governing Law

These Terms are governed by the laws of the United States and the state in which Logic Nerds operates, without regard to conflict of law principles.

12. Contact

If you have questions about these Terms, contact:
Logic Nerds
elijah@logicnerds.net

IDK Privacy Policy

Last Updated: January 2026

This Privacy Policy explains how IDK (“we,” “us,” or “our”) collects, uses, and protects information when you use the IDK application suite, including IDK My Money, IDK My Budget, and IDK My Groceries (the “Apps”).

By using IDK, you agree to this Privacy Policy.

1. What Information We Collect

Information You Provide

When you use IDK, you may enter:

  • Account names, balances, and transactions

  • Budget, debt, bill, and grocery list data

  • Descriptions, notes, and labels you choose to add

  • App preferences (such as themes)

This information is user-generated and entered at your discretion.

Authentication Information

IDK uses Google Sign-In for authentication.
We receive:

  • Your Google user ID

  • Your email address

  • Your profile name and avatar (if available)

We do not receive your Google password.

2. What We Do Not Collect

IDK does not:

  • Connect to real bank accounts

  • Collect bank account numbers or credit card numbers

  • Track purchases outside the Apps

  • Collect precise location data

  • Run ads or third-party trackers inside the Apps

3. How We Use Your Information

We use your information only to:

  • Provide and operate the Apps

  • Display your data back to you

  • Sync your data across devices

  • Improve app performance and reliability

  • Provide support if you contact us

We do not use your data for advertising or resale.

4. Data Storage and Security

  • Data is stored in Firebase Firestore.

  • All data is scoped to your authenticated user ID.

  • Firebase security rules prevent cross-user access.

  • Real-time updates occur only within your account.

While no system is perfectly secure, we use industry-standard protections appropriate for the nature of the Apps.

5. Children’s Privacy

IDK is designed for educational use and may be used by children aged 11 and up with parental guidance.

  • Parents or guardians are responsible for supervising use.

  • IDK does not knowingly collect sensitive personal information from children.

  • No real financial data is required or expected.

If you believe a child has entered inappropriate personal information, contact us and we will assist with removal.

6. Data Ownership and Control

You own your data.

You may:

  • View your data at any time in the Apps

  • Edit or delete individual entries

  • Delete all data by deleting your account or clearing app data

When data is deleted, it is removed from active systems in accordance with Firebase retention policies.

7. Data Sharing

We do not:

  • Sell your data

  • Share your data with advertisers

  • Allow other users to see your data

Data may only be disclosed if required by law or to protect the rights and safety of users or the platform.

8. Third-Party Services

IDK relies on:

  • Google Authentication

  • Firebase (Google Cloud)

These services operate under their own privacy policies. IDK only uses them to support core functionality.

9. Changes to This Policy

We may update this Privacy Policy from time to time.

If changes are made:

  • The “Last Updated” date will be revised

  • Continued use of IDK means acceptance of the updated policy

10. Contact

If you have questions about privacy or data handling, contact:

Logic Nerds
Elijah@logicnerds.net

Founder note:

IDK was built to teach awareness, not extract data. If something ever feels off, that’s a bug—tell us.