Terms and Conditions

These Terms and Conditions govern your access to and use of our online platform and mobile personal finance tracker app, including budget categories, expense visuals, weekly insights, and related features made available through the App Store or Google Play. By accessing 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 service 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 and Conditions, you must not access or use our site, app, or related services.

2. Description of the Service

Our service is designed to help you organize and review personal financial information. Features may include budget categories, expense tracking, visual summaries, weekly insights, and other tools that may be added, changed, suspended, or discontinued from time to time.

The service is provided for personal informational and organizational purposes. It is not a bank account, payment service, accounting service, investment service, credit service, tax service, or financial advisory service.

3. No Financial Advice

Information, visualizations, calculations, and weekly insights provided through the service are general information only and are not financial, investment, legal, tax, or other professional advice. You are solely responsible for evaluating your financial circumstances and obtaining professional advice where appropriate.

You should independently verify all information before making financial decisions. We do not guarantee that use of the service will improve your financial position or produce any particular result.

4. Accounts and User Information

Some features may require you to create or maintain an account. You agree to provide information that is accurate, current, and complete, and to update it when necessary.

• Keep your account credentials confidential.
• Use reasonable measures to protect devices used to access the service.
• Promptly notify us if you suspect unauthorized access or activity.
• Accept responsibility for activity conducted through your account unless caused by our failure to use reasonable care.

5. User Content and Financial Data

You retain ownership of information and content that you enter into the service. You grant us the limited rights reasonably necessary to host, process, display, secure, and provide that content as part of operating and improving the service, subject to our Privacy Policy.

You are responsible for ensuring that information you enter is accurate and that you have the right to provide it. You must not enter information belonging to another person unless you have appropriate authorization.

6. Acceptable Use

You may use the service only for lawful purposes and in accordance with these Terms and Conditions. You must not:

• Use the service to violate any applicable law or regulation.
• Attempt to gain unauthorized access to accounts, systems, or data.
• Interfere with, disrupt, 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 means to collect information from the service without written permission.
• Upload malicious code or content that infringes another person’s rights.

7. App Store and Google Play Terms

If you download or use the app through the App Store or Google Play, you also agree to the applicable terms and policies of the relevant platform. Those platforms are not responsible for providing maintenance or support for the app, except as required by their applicable terms.

Your use of the app must comply with the usage rules imposed by the platform from which you obtained it. In the event of a conflict between these Terms and Conditions and mandatory platform terms, the mandatory platform terms will apply to the extent of that conflict.

8. Intellectual Property

The service, including its software, design, text, graphics, visualizations, trademarks, and other materials, is owned by or licensed to the operator of our site and is protected by applicable intellectual property laws. Except for the limited right to use the service under these terms, no ownership rights are transferred to you.

9. Availability and Changes

We may modify, update, restrict, or discontinue all or part of the service at any time. We do not guarantee that the service will always be available, uninterrupted, secure, or free from errors. Features may vary depending on your device, operating system, location, and app version.

10. Disclaimers

To the fullest extent permitted by law, the service is provided on an “as is” and “as available” basis. We disclaim all warranties, express or implied, including warranties of accuracy, reliability, fitness for a particular purpose, merchantability, noninfringement, and uninterrupted availability.

We do not warrant that calculations, categorization, expense visuals, or weekly insights will be complete, accurate, current, or suitable for your circumstances. You should maintain your own records and backups of important financial information.

11. Limitation of Liability

To the fullest extent permitted by law, the operator of our site and its affiliates, officers, employees, contractors, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, profits, revenue, savings, goodwill, or other intangible losses arising from or related to your use of the service.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

12. Suspension and Termination

We may suspend or terminate your access to the service if we reasonably believe that you have violated these terms, created a security or legal risk, or used the service in a manner that may harm the service or others. You may stop using the service at any time.

Upon termination, rights granted to you under these terms will end. Provisions that by their nature should survive termination, including provisions concerning intellectual property, disclaimers, limitations of liability, and dispute resolution, will continue to apply.

13. Privacy

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

14. Governing Law

These Terms and Conditions are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. Subject to applicable law, disputes relating to these terms or the service will be resolved in the state or federal courts located in New Jersey.

15. Changes to These Terms

We may revise these Terms and Conditions from time to time. Updated terms will be posted on our site, and your continued use of the service after updated terms are posted constitutes acceptance of the revised terms, unless applicable law requires another form of notice or consent.

16. Contact Information

Questions regarding these Terms and Conditions may be directed to the operator of our site at the following physical address: