Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and the mobile personal finance tracker app made available through the App Store and Google Play. By accessing our site, downloading the app, or using this 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 this service. If you use the app on behalf of another person or organization, you confirm that you have authority to accept these terms on their behalf. If you do not agree with these terms, do not access or use our site or app.

2. Description of the Service

Our service provides tools for recording, organizing, and reviewing personal financial information. Features may include budget categories, expense visuals, weekly insights, and related educational or organizational functions. Features may change, be added, or be discontinued without notice.

3. Personal Financial Information

You are responsible for the accuracy, completeness, and timeliness of information entered into the app. You should review your records before relying on them and maintain appropriate backup copies of important information.

The app is intended to support personal organization and general financial awareness. It does not provide financial, investment, tax, accounting, legal, credit, or other professional advice, and it does not recommend particular financial products or transactions. Consult a qualified professional for advice appropriate to your circumstances.

4. Accounts and Security

If the app requires an account, you are responsible for keeping your account information and access credentials secure. You must promptly address any suspected unauthorized access and may not share access in a manner that violates these terms. You are responsible for activity performed through your account unless caused by our failure to use reasonable security measures.

5. Permitted Use

You may use this service only for lawful personal purposes and in accordance with these terms. You may not:

• Use the service to violate any applicable law, regulation, or third-party right.
• Interfere with, disrupt, damage, or attempt to gain unauthorized access to the service or its systems.
• Copy, modify, distribute, sell, lease, sublicense, reverse engineer, or create derivative works from the app except where applicable law expressly permits it.
• Use automated methods to scrape, harvest, or access the service in a way that places an unreasonable burden on our systems.
• Upload harmful code, fraudulent information, or content that infringes another person’s rights.

6. Intellectual Property

The app, our site, and their text, design, graphics, software, trademarks, features, and other content are owned by or licensed to the company and are protected by applicable intellectual property laws. These terms grant you a limited, non-exclusive, non-transferable, revocable right to use the service for its intended purpose. No ownership rights are transferred to you.

7. Third-Party Platforms and Services

Downloads and updates may be provided through the App Store or Google Play. Your use of those platforms is also subject to their separate terms and policies. We are not responsible for the operation, availability, security, or content of third-party platforms or services that may connect with or support the app.

8. Availability and Updates

We aim to keep the service available and useful, but we do not guarantee uninterrupted, error-free, secure, or complete operation. Access may be limited or suspended for maintenance, updates, security reasons, technical problems, or circumstances beyond our reasonable control. You are responsible for using a compatible device and maintaining any required operating system, internet access, or other equipment.

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. Disclaimers

To the fullest extent permitted by law, the service is provided on an “as is” and “as available” basis. We disclaim warranties of any kind, whether express, implied, or statutory, including warranties of accuracy, reliability, fitness for a particular purpose, merchantability, non-infringement, and availability. We do not warrant that the service will meet your requirements, preserve all information, or produce particular financial results.

11. Limitation of Liability

To the fullest extent permitted by law, the 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, savings, or opportunities arising from or related to your use of the service. Where liability cannot be excluded, our total liability will be limited to the amount you paid for the service during the twelve months before the event giving rise to the claim, or one hundred U.S. dollars if you paid nothing, except where applicable law requires otherwise.

12. Indemnification

You agree to defend, indemnify, and hold harmless the company and its owners, officers, employees, contractors, licensors, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from your misuse of the service, violation of these terms, violation of applicable law, or infringement of another person’s rights.

13. Suspension and Termination

We may suspend or terminate access to the service if we reasonably believe that you violated these terms, created a security or legal risk, or used the service improperly. You may stop using the service at any time and may remove the app from your device. Provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, and governing law will survive termination.

14. Changes to These Terms

We may update these terms when the service, applicable law, or our practices change. Updated terms will be posted on our site or made available through the app. Your continued use of the service after updated terms become available indicates your acceptance of the revised terms.

15. Governing Law

These terms are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles. Any dispute arising from these terms or the service will be brought in the state or federal courts located in or serving Baton Rouge, Louisiana, unless applicable law requires another forum.

16. Severability and Entire Agreement

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in effect and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable. These terms, together with any policies expressly incorporated into them, constitute the entire agreement between you and the company regarding the service.

17. Physical Contact Address