📋 Terms of Service

Effective Date: January 2025

Last Updated: January 2025

1. Acceptance of Terms

By downloading, installing, or using SmartBudget Mobile ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

2. Description of Service

SmartBudget Mobile is a personal finance management application that helps users:

• Create and track budgets
• Monitor expenses and income
• Set and achieve financial goals
• Manage investments and savings
• Receive personalized financial insights

3. User Accounts

3.1 Account Creation

• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the security of your account credentials
• You must be at least 18 years old to create an account

3.2 Account Responsibilities

• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use
• You may not share your account credentials with others

3.3 Account Termination

• We may terminate or suspend your account for violations of these Terms
• You may delete your account at any time through the app settings
• Upon termination, your data will be permanently deleted

4. Acceptable Use

4.1 Permitted Uses

• Personal financial management and budgeting
• Legitimate business expense tracking
• Educational and research purposes

5. Financial Information and Disclaimers

5.1 Not Financial Advice

• The App provides tools for personal financial management
• We do not provide financial, investment, or tax advice
• Consult qualified professionals for financial decisions

5.2 Data Accuracy

• You are responsible for the accuracy of your financial data
• We strive to provide reliable calculations but cannot guarantee 100% accuracy
• Always verify important financial information independently

5.3 Investment Risks

• Investment tracking features are for informational purposes only
• Past performance does not guarantee future results
• Investment decisions carry inherent risks

6. Privacy and Data

6.1 Data Collection

• We collect and process data as described in our Privacy Policy
• By using the App, you consent to our data practices
• You retain ownership of your personal and financial data

6.2 Data Security

• We implement industry-standard security measures
• However, no method of transmission over the internet is 100% secure
• You acknowledge and accept these inherent risks

7. Intellectual Property

7.1 Our Rights

• The App and its content are owned by us or our licensors
• All trademarks, logos, and service marks are our property
• You may not use our intellectual property without permission

7.2 Your Rights

• You retain ownership of your financial data and content
• You grant us a license to use your data to provide the service
• This license terminates when you delete your account

8. Limitation of Liability

8.1 Disclaimer of Warranties

• The App is provided "as is" without warranties of any kind
• We disclaim all warranties, express or implied
• We do not guarantee uninterrupted or error-free service

8.2 Limitation of Damages

• We shall not be liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid for the App
• Some jurisdictions do not allow liability limitations

9. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third-party rights

10. Third-Party Services

10.1 External Links

• The App may contain links to third-party websites or services
• We are not responsible for third-party content or services
• Use third-party services at your own risk

10.2 Third-Party Integrations

• We integrate with Firebase for data storage and authentication
• We use Mixpanel for anonymous analytics
• These integrations are subject to their respective terms
• We cannot guarantee the availability of third-party services

11. Updates and Modifications

11.1 App Updates

• We may update the App from time to time
• Updates may include new features, bug fixes, or security improvements
• Some updates may be mandatory for continued use

11.2 Terms Updates

• We may modify these Terms at any time
• We will notify you of material changes
• Continued use constitutes acceptance of updated Terms

12. Termination

12.1 Termination by You

• You may stop using the App at any time
• You may delete your account through the app settings
• Termination is effective immediately

12.2 Termination by Us

• We may terminate your access for violations of these Terms
• We may discontinue the App or service with reasonable notice
• We will provide notice of termination when possible

13. Governing Law

These Terms are governed by the laws of the United States, without regard to conflict of law principles.

14. Dispute Resolution

14.1 Informal Resolution

• We encourage informal resolution of disputes
• Contact us directly to discuss any issues

14.2 Binding Arbitration

• Disputes may be resolved through binding arbitration
• Arbitration will be conducted in the United States
• You waive your right to a jury trial

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and us regarding the App, superseding any prior agreements.

17. Contact Information