Terms of Service

1. Acceptance of Terms

By accessing and using this financial management application ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

This Service provides personal financial management tools including expense tracking, income management, bank account integration via Plaid, and transaction categorization. The Service is provided "as is" and on an "as available" basis.

3. User Accounts

To access certain features of the Service, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Promptly updating your account information

4. Financial Data and Bank Integration

The Service integrates with Plaid to access your bank account information. By connecting your bank accounts:

• You authorize us to access your account information through Plaid
• You understand that we will store transaction data for the purpose of providing the Service
• You can revoke access at any time through your account settings
• We are not responsible for the accuracy of data provided by your financial institutions

5. User Responsibilities

You agree to:

• Use the Service only for lawful purposes
• Not attempt to gain unauthorized access to any portion of the Service
• Not transmit any malicious code or attempt to disrupt the Service
• Not use automated tools to access the Service without permission
• Verify the accuracy of financial information and transactions

6. Data Security and Privacy

We take data security seriously and implement industry-standard measures to protect your information. However:

• No method of transmission over the Internet is 100% secure
• You use the Service at your own risk
• We are not liable for unauthorized access to your data due to circumstances beyond our control

7. Intellectual Property

The Service and its original content, features, and functionality are owned by the Service provider and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The Service will meet your specific requirements
• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• Any errors in the Service will be corrected

9. Limitation of Liability

IN NO EVENT SHALL THE SERVICE PROVIDER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

10. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

12. Governing Law

These Terms shall be interpreted and governed by the laws of the jurisdiction in which the Service is operated, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us through the application's support channels.