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. If you do not agree, please do not use the Service.

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 represent that you have authority to accept these Terms and Conditions on their behalf.

2. Description of the Service

The Service is designed to help you organize personal financial information through budget categories, expense visuals, and weekly insights. The Service may be made available through the Apple App Store, Google Play, or other approved distribution channels.

Features may change, be suspended, or be discontinued at any time. We do not guarantee that every feature will be available on every device, operating system, or geographic location.

3. Personal Financial Information

You are responsible for the accuracy, completeness, and timeliness of the information you enter into the Service. The Service may help you view and organize information, but it does not independently verify your entries or financial records.

You should maintain your own copies of important financial information. You understand that device failures, synchronization issues, technical errors, account changes, or service interruptions may affect the availability or accuracy of information displayed through the Service.

4. No Financial Advice

The Service is provided for general organizational and informational purposes only. It does not provide financial, investment, tax, legal, accounting, credit, or other professional advice. Weekly insights, visualizations, categories, and other content are not recommendations to make or avoid any financial decision.

You are solely responsible for evaluating your financial circumstances and obtaining advice from a qualified professional before making financial decisions.

5. Accounts and Security

If the Service requires an account, you must provide accurate information and keep your account credentials confidential. You are responsible for activity conducted through your account and for promptly taking reasonable steps to protect your account if you suspect unauthorized access.

6. Acceptable Use

You agree not to:

• Use the Service for unlawful, fraudulent, abusive, or deceptive purposes.
• Attempt to gain unauthorized access to the Service, another user’s account, or related systems.
• Interfere with, disrupt, damage, or place an unreasonable burden on the Service.
• Copy, modify, reverse engineer, decompile, or create derivative works from the Service except where permitted by law.
• Use automated tools to scrape, extract, monitor, or reproduce content or functionality without prior authorization.

7. Intellectual Property

The Service and its content, including software, designs, text, graphics, logos, visualizations, and underlying technology, are owned by or licensed to the operator of the Service and are 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 lawful personal purposes.

8. Third-Party Platforms and Services

Your download or use of the Service through the Apple App Store or Google Play may also be subject to the applicable platform’s terms and policies. Those platforms are independent third parties and are not responsible for providing support or maintenance for the Service unless required by their applicable terms.

9. Availability and Disclaimers

The Service is provided on an “as available” and “as is” basis to the fullest extent permitted by law. We do not guarantee that the Service will be uninterrupted, secure, error-free, complete, accurate, or suitable for your particular needs.

We are not responsible for decisions you make based on information displayed through the Service, including budgets, expense classifications, visualizations, or weekly insights.

10. Limitation of Liability

To the fullest extent permitted by law, the operator of the Service and its affiliates, licensors, service providers, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of data, profits, revenue, savings, goodwill, or business arising from or related to your use of or inability to use the Service.

11. Indemnification

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

12. Suspension and Termination

We may suspend, restrict, or terminate your access to the Service if we reasonably believe that you have violated these Terms and Conditions, created a security or legal risk, or used the Service improperly. You may stop using the Service at any time. Provisions that by their nature should survive termination will remain in effect.

13. Changes to These Terms

We may update these Terms and Conditions from time to time. Updated terms will be posted through the Service or our online platform. Your continued use of the Service after updated terms become available constitutes acceptance of the changes.

14. Governing Law

These Terms and Conditions are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any legal action arising from or relating to these Terms and Conditions or the Service must be brought in a court of competent jurisdiction located in Florida, unless applicable law requires otherwise.

15. Contact and Physical Address

Questions about these Terms and Conditions may be directed to the operator of the Service at the following physical address: