Terms and Conditions

These Terms and Conditions govern your access to and use of our mobile personal finance tracker app, website, and related services, collectively referred to as “the Service.” By downloading, accessing, or using the Service, you agree to these Terms and Conditions.

1. Eligibility and Acceptance

You must be legally capable of entering into a binding agreement to use the Service. If you use the Service on behalf of another person or organization, you confirm that you have authority to accept these Terms and Conditions on its behalf.

If you do not agree to these Terms and Conditions, do not download, access, or use the Service.

2. Description of the Service

The Service provides tools to help you record and organize personal financial information, create budget categories, review expense visualizations, and receive weekly financial insights. The Service may be made available through the Apple App Store, Google Play, or other authorized distribution channels.

Features may change, be suspended, or be discontinued at any time. We do not guarantee that every feature will always be available or compatible with every device.

3. Financial Information and No Financial Advice

The Service is intended for general personal organization and informational purposes only. It does not provide financial, investment, tax, legal, accounting, credit, or other professional advice.

Weekly insights, calculations, visualizations, categories, and other information generated by the Service may be incomplete, delayed, or inaccurate. You are responsible for reviewing all information and consulting a qualified professional before making financial decisions.

4. User Responsibilities

You agree to use the Service lawfully and responsibly. You must:

• Provide information that is accurate and keep your account or profile information reasonably current.
• Maintain the security of your device, account credentials, and any information you enter into the Service.
• Review entries and calculations before relying on them for budgeting or other decisions.
• Avoid using the Service to violate any law, infringe another person’s rights, or interfere with the operation of the Service.

5. User Content and Data

You retain responsibility for the financial information, notes, and other content you enter into the Service. You grant us only the rights reasonably necessary to host, process, display, secure, and provide that content as part of the Service.

You must not enter information that you do not have the right to use or disclose. You should maintain your own backup of important financial records because the Service is not intended to replace bank statements, receipts, tax records, or other official documents.

6. Acceptable Use

You may not:

• Copy, modify, distribute, sell, lease, sublicense, or commercially exploit the Service except as permitted by law.
• Reverse engineer, decompile, disassemble, or attempt to discover the source code of the Service.
• Introduce malicious code, bypass security controls, or interfere with the Service or its infrastructure.
• Use automated systems to access the Service in a way that places an unreasonable burden on its infrastructure.

7. Intellectual Property

The Service, including its software, design, text, graphics, visualizations, features, branding, and underlying technology, is owned by or licensed to the company and is protected by applicable intellectual property laws. These Terms and Conditions grant you a limited, personal, non-exclusive, non-transferable, and revocable right to use the Service for its intended purpose.

8. App Store Terms

If you download the app through the Apple App Store or Google Play, your use may also be subject to the applicable platform’s terms and policies. The relevant platform provider is not responsible for providing maintenance or support for the Service, except where required by applicable law.

9. Availability and Third-Party Services

The Service may depend on internet access, device functionality, operating system support, and third-party services. We are not responsible for interruptions caused by events or services outside our reasonable control, including outages, network failures, platform changes, or maintenance.

10. Disclaimers

To the fullest extent permitted by law, the Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory. We do not warrant that the Service will be uninterrupted, secure, error-free, complete, or suitable for your particular financial circumstances.

11. Limitation of Liability

To the fullest extent permitted by law, the company and its affiliates, personnel, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, profits, savings, or financial opportunities arising from or related to your use of the Service.

12. Suspension and Termination

You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms and Conditions, create risk for other users or the Service, or where necessary to comply with law. Upon termination, your right to use the Service will end, although provisions that by their nature should survive termination will remain effective.

13. Privacy

Our collection and use of personal information are described in our Privacy Policy. By using the Service, you acknowledge that information may be processed as described in that policy.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. Updated Terms and Conditions will be posted on our site or within the Service. Your continued use of the Service after an update becomes available constitutes acceptance of the revised terms.

15. Governing Law

These Terms and Conditions are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles. Any permitted legal action relating to the Service must be brought in a court of competent jurisdiction located in or serving Bristol, Virginia, unless applicable law requires otherwise.

16. Severability and Entire Agreement

If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions will remain in effect. These Terms and Conditions, together with any policies expressly incorporated into them, constitute the entire agreement between you and the company regarding the Service.

17. Physical Address