https://actualbudget.org/ is all you need, and it's open-source.

None of your policies are even enforceable since you have not listed any legal business owner information. You didn't even fill in the template you used for the TOS:

These Terms are governed by the laws of (specify your jurisdiction — e.g., Cyprus, UAE, Estonia, etc.), excluding conflict-of-laws principles. Disputes shall be resolved in the courts of (specify) unless mandatory consumer protection law in your country of residence states otherwise.