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 “our service.” By accessing or using our service, you agree to comply with these Terms and Conditions. If you do not agree, please do not use our service.

1. Eligibility and Acceptance

You must be legally capable of entering into a binding agreement to use our service. If you use our service on behalf of another person or organization, you represent that you have authority to accept these Terms and Conditions on their behalf.

2. Our Service

Our service provides tools for recording and organizing personal financial information, creating budget categories, viewing expense visuals, and receiving weekly insights. The availability and functionality of features may vary depending on your device, operating system, app version, and applicable app marketplace requirements.

Our service is provided for informational and organizational purposes only. It is not a bank, financial institution, investment adviser, tax adviser, accountant, credit counselor, or other professional financial service.

3. Financial Information Disclaimer

Budget calculations, expense summaries, visualizations, and weekly insights may depend on information you enter or connect and may contain errors, omissions, delays, or inaccuracies. You are responsible for reviewing information before relying on it and for making your own financial decisions.

Nothing in our service constitutes financial, investment, legal, tax, or other professional advice. You should consult a qualified professional regarding decisions that may affect your finances, taxes, investments, credit, or legal rights.

4. User Responsibilities

You are responsible for:

• Providing information that is accurate and current to the extent necessary for your use of our service.
• Keeping your device, account credentials, and access methods secure.
• Reviewing entries, categories, calculations, and insights for accuracy.
• Using our service only for lawful personal or authorized purposes.

5. Prohibited Conduct

You may not:

• Use our service in violation of applicable laws or regulations.
• Attempt to gain unauthorized access to our service, systems, or another person’s information.
• Copy, modify, distribute, sell, lease, reverse engineer, or exploit our service except as permitted by law.
• Upload malicious code or use our service in a way that could disrupt, damage, or impair its operation.
• Use automated means to access or collect data from our service without permission.

6. App Store and Google Play Downloads

If you download our app through the Apple App Store or Google Play, your use of those marketplaces is also subject to the applicable marketplace terms and policies. Apple and Google are not responsible for providing maintenance or support for our app, except as required under their respective terms or applicable law.

7. Intellectual Property

Our service, including its software, design, text, graphics, branding, features, and content, is owned by or licensed to our company and is protected by intellectual property and other applicable laws. Subject to these Terms and Conditions, we grant you a limited, non-exclusive, non-transferable, revocable license to use our service for personal, lawful purposes.

8. User Content and Data

You retain rights to information and content you submit to our service. You grant our company the limited permission needed to host, process, display, and use that content to operate, maintain, secure, and improve our service in accordance with our Privacy Policy.

You must not submit information that you do not have the right to use or disclose. You are responsible for maintaining copies of important financial records because our service may not be a permanent or complete recordkeeping system.

9. Privacy

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

10. Availability and Changes

We may modify, suspend, or discontinue any part of our service at any time, including features, integrations, budget tools, visualizations, and weekly insights. We do not guarantee that our service will always be available, uninterrupted, secure, or compatible with every device or operating system.

We may update these Terms and Conditions from time to time. Updated terms will apply when posted through our service. Your continued use of our service after an update means that you accept the revised terms.

11. Disclaimers

To the fullest extent permitted by law, our service is provided “as is” and “as available,” without warranties of any kind, express or implied. We disclaim warranties of accuracy, reliability, availability, fitness for a particular purpose, merchantability, non-infringement, and freedom from harmful code.

12. Limitation of Liability

To the fullest extent permitted by law, our company and its owners, officers, employees, contractors, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, profits, revenue, goodwill, or financial opportunities arising from or related to your use of our service.

13. Indemnification

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

14. Termination

We may suspend or terminate your access to our service if we reasonably believe that you have violated these Terms and Conditions, created a risk to our service or users, or used our service unlawfully. Upon termination, provisions that by their nature should survive will remain in effect.

15. Governing Law

These Terms and Conditions are governed by the laws of the State of Maryland, without regard to conflict-of-law principles. Any permitted legal action relating to these Terms and Conditions or our service shall be brought in the appropriate courts located in Maryland.

16. 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 our company regarding your use of our service.

17. Contact Address

Written notices concerning these Terms and Conditions may be sent to our company at County Home Road, Bel Air, Maryland 21014, United States.