Terms and Conditions

These Terms and Conditions govern your access to and use of our website and mobile personal finance tracker application, collectively referred to as the “Service.” By accessing our site, downloading the application, or using any feature of 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 on their behalf.

2. The Service

The Service is designed to help users organize personal financial information through budget categories, expense visualizations, and weekly insights. Features may vary by device, operating system, application version, subscription status, or availability through the applicable app marketplace.

We may modify, suspend, or discontinue any part of the Service at any time. We do not guarantee that the Service will always be available, uninterrupted, secure, or free from errors.

3. Downloads and App Marketplaces

The mobile application may be downloaded through the Apple App Store, Google Play, or another authorized distribution channel. Your use of the application may also be subject to the applicable marketplace’s terms, policies, and requirements.

App marketplace operators are not responsible for providing maintenance or support for the Service unless their own terms state otherwise. Any questions, claims, or concerns relating to the application should be directed to the operator of the Service.

4. User Accounts and Responsibilities

If the Service requires an account, you are responsible for providing accurate information and keeping your account credentials secure. You are responsible for activity conducted through your account and must promptly address any suspected unauthorized access.

• Use the Service only for lawful personal or authorized purposes.
• Do not interfere with, disrupt, or attempt to gain unauthorized access to the Service.
• Do not copy, resell, lease, sublicense, reverse engineer, or exploit the Service except as permitted by law.
• Do not upload or submit content that is unlawful, misleading, harmful, or infringing.

5. Financial Information and No Financial Advice

The Service is a personal organization and tracking tool. It is not a bank, investment adviser, broker, lender, accountant, insurer, or financial planner, and it does not provide legal, tax, investment, credit, or other professional advice.

Any budgets, visualizations, calculations, reminders, or weekly insights are provided for general informational purposes only. You are solely responsible for reviewing your financial information, confirming its accuracy, and making your own financial decisions. Consult a qualified professional before relying on information for a significant financial decision.

6. User Data and Privacy

Your use of the Service may involve submitting financial, account, device, or other information. Our collection, use, storage, and disclosure of personal information are described in our Privacy Policy. You are responsible for ensuring that information you provide is accurate and that you have the right to provide it.

You should maintain appropriate backups of information that is important to you. We do not guarantee that information stored or displayed through the Service will never be lost, corrupted, delayed, or unavailable.

7. Intellectual Property

The Service and its software, design, text, graphics, logos, features, and other materials are owned by or licensed to the operator of the Service and are protected by applicable intellectual property laws. Subject to these Terms, you receive a limited, personal, non-exclusive, non-transferable, and revocable right to use the Service.

8. Third-Party Services

The Service may contain links to or integrate with third-party services, including app marketplaces, payment providers, analytics providers, or financial institutions. We do not control and are not responsible for third-party services, content, security, availability, or policies. Your dealings with third parties are governed by their applicable terms.

9. Fees, Subscriptions, and Refunds

If any feature requires payment, applicable pricing, billing terms, renewal terms, and cancellation procedures will be presented before purchase or governed by the applicable app marketplace. Payments made through an app marketplace may be subject to that marketplace’s refund and cancellation policies.

10. Disclaimers

To the fullest extent permitted by law, the Service is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We disclaim warranties of accuracy, reliability, fitness for a particular purpose, merchantability, non-infringement, availability, and security.

We do not warrant that the Service will meet your requirements, produce a particular financial result, or be free from interruptions, defects, viruses, or other harmful components.

11. Limitation of Liability

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

Where liability cannot be excluded, it will be limited to the amount you paid for the Service during the period allowed by applicable law, unless a different limitation is required by law.

12. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless the operator of the Service and its affiliates, officers, employees, licensors, and service providers from claims, liabilities, damages, losses, and expenses arising from your misuse of the Service, violation of these Terms, 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 have violated these Terms, created risk for the Service or another user, or used the Service unlawfully. You may stop using the Service at any time. Provisions that by their nature should survive termination will remain in effect.

14. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be posted on our site or within the Service. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles. Any legal proceeding relating to these Terms or the Service will be brought in a court of competent jurisdiction serving Owasso, Oklahoma, unless applicable law requires otherwise.

16. General Provisions

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision does not waive our right to enforce it later. These Terms, together with any policies referenced in them, constitute the entire agreement concerning your use of the Service.

17. Contact Information

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