Terms and Conditions

These Terms and Conditions govern your access to and use of our mobile personal finance tracker app, our site, and related services. By downloading, accessing, or using this service, you agree to these Terms and Conditions. If you do not agree, do not use this service.

1. Eligibility and Account Responsibility

You must be legally capable of entering into a binding agreement to use this service. You are responsible for maintaining the confidentiality of any account credentials and for all activity conducted through your account. You agree to provide information that is accurate and current when using the app.

2. Description of the Service

The service provides tools for organizing and reviewing personal financial information, including budget categories, expense visualizations, and weekly insights. Features may vary by device, operating system, app version, region, or platform and may be modified, suspended, or discontinued at any time.

3. Permitted Use

You may use this service only for lawful personal purposes. You agree not to:

• Use the service to violate any applicable law, regulation, or third-party right.
• Attempt to gain unauthorized access to the app, its systems, or another user’s information.
• Copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the service except where permitted by law.
• Introduce malware, harmful code, or other material that could impair the service or its users.
• Use automated methods to collect information from the service without permission.

4. Financial Information and No Professional Advice

This service is intended for personal organization and general informational purposes only. It is not a bank, investment adviser, financial planner, accountant, broker, lender, or insurance provider. The app does not provide legal, tax, investment, credit, or other professional financial advice. You are solely responsible for evaluating your financial circumstances and decisions and should consult a qualified professional when appropriate.

5. User-Submitted Information

You retain responsibility for the financial information, notes, categories, and other content you enter into the app. You represent that you have the right to provide such information and authorize its use as necessary to operate the service. You should maintain your own copies of important records because the service may not be suitable as your sole recordkeeping system.

6. Accuracy and Availability

We aim to provide useful calculations, visualizations, and insights, but we do not guarantee that any content is complete, current, accurate, or error-free. Budgets, summaries, and weekly insights may depend on the information you enter and may contain omissions or inaccuracies. The service may be unavailable or interrupted because of maintenance, technical problems, updates, connectivity issues, or circumstances beyond our reasonable control.

7. Mobile Devices and App Stores

You are responsible for obtaining a compatible mobile device, operating system, internet connection, and any related data or usage plan required to access the service. Downloads through the Apple App Store or Google Play are also subject to the applicable platform’s terms and policies. The relevant app store provider is not responsible for providing maintenance or support for this service, except as required by applicable law.

8. Intellectual Property

The service, including its software, design, text, graphics, visualizations, trademarks, and other materials, is owned by or licensed to us and is protected by applicable intellectual property laws. Except for the limited right to use the service under these Terms and Conditions, no ownership rights are granted to you.

9. Privacy

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

10. Third-Party Services

The service may rely on or link to third-party services, platforms, or resources. We do not control and are not responsible for the availability, security, content, policies, or practices of third parties. Your use of third-party services is governed by their applicable terms and policies.

11. Suspension and Termination

We may suspend or terminate your access to the service if you violate these Terms and Conditions, create risk for the service or other users, or where necessary to comply with law. You may stop using the service at any time. Provisions that by their nature should continue after termination, including provisions concerning intellectual property, disclaimers, limitations of liability, and dispute resolution, will remain in effect.

12. 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, express or implied. We disclaim warranties of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation. Nothing in these Terms and Conditions excludes a warranty or right that cannot lawfully be excluded.

13. Limitation of Liability

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, profits, revenue, or financial opportunities arising from or related to your use of the service. Our total liability for claims relating to the service will be limited to the amount you paid for the service during the twelve months preceding the event giving rise to the claim, or one hundred U.S. dollars if you paid nothing, except where a greater amount is required by law.

14. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless the service provider and its officers, employees, contractors, and affiliates from claims, losses, liabilities, damages, costs, and expenses arising from your misuse of the service, violation of these Terms and Conditions, or infringement of another person’s rights.

15. Governing Law

These Terms and Conditions are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute that is not subject to an agreed alternative resolution process will be brought in the state or federal courts located in California, and you consent to their jurisdiction and venue.

16. Changes to These Terms

We may update these Terms and Conditions from time to time. Updated terms become effective when posted on our site or made available through the service. Your continued use of the service after an update means that you accept the revised terms.

17. Severability and Entire Agreement

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

18. Contact and Physical Address

Questions regarding these Terms and Conditions may be directed to the service provider at the following physical address: