Terms of Service

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
• One person may not maintain multiple accounts

3.2 Account Security

• You are responsible for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account
• We recommend enabling two-factor authentication

4.1 Free Tier

• Includes management of 1 property with up to 2 users
• Basic financial tracking and analytics
• 7-day trial of premium features
• No credit card required

4.2 Premium Tier (Coming Soon)

• Unlimited properties and users
• Advanced analytics and AI insights
• Property transfer capabilities

4.3 Billing Terms

• Premium subscriptions are billed monthly or annually
• All fees are non-refundable except as required by law
• We may change pricing with 30 days notice
• Failed payments may result in service suspension

5.1 Permitted Use

You may use our Service for personal household management purposes only.

5.2 Prohibited Activities

You may not:

• Use the Service for commercial purposes without our written consent
• Violate any applicable laws or regulations
• Upload malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems
• Reverse engineer, decompile, or disassemble our software
• Use automated tools to access the Service without permission
• Share your account credentials with others
• Store illegal, harmful, or offensive content

6.1 Your Content

• You retain ownership of all data and content you upload
• You grant us a license to use your content to provide our services
• You are responsible for the accuracy and legality of your content
• You may delete your content at any time

6.2 Our Content

• We own all intellectual property rights in our Service
• You may not copy, modify, or distribute our software or content
• Our trademarks and logos are protected intellectual property

6.3 AI-Generated Content

• AI insights and recommendations are provided for informational purposes only
• We do not guarantee the accuracy of AI-generated content
• You should verify AI recommendations before making financial decisions

8.1 Service Availability

• We strive to maintain a high uptime but cannot guarantee uninterrupted service
• We may perform maintenance that temporarily affects service availability
• We will provide advance notice of planned maintenance when possible

8.2 Service Modifications

• We may modify, suspend, or discontinue any part of our Service
• We will provide reasonable notice of material changes
• Continued use after changes constitutes acceptance

9.1 Termination by You

• You may terminate your account at any time through your account settings
• Your data is permanently deleted when you terminate your account

9.2 Termination by Us

• We may terminate accounts that violate these Terms
• We may terminate inactive accounts after 2 years
• We will provide reasonable notice except in cases of serious violations

9.3 Effect of Termination

• Your right to use the Service ends immediately
• We will delete your data according to our retention policy
• Provisions that should survive termination will remain in effect

10.1 Service Disclaimers

• Our Service is provided "as is" without warranties of any kind
• We do not guarantee that our Service will be error-free or uninterrupted
• We are not responsible for third-party integrations or services

10.2 Financial Information Disclaimer

• Our Service is not a substitute for professional financial advice
• AI insights are for informational purposes only
• You should consult with qualified professionals for financial decisions

10.3 Limitation of Liability

• Our total liability is limited to the amount you paid us in the past 12 months
• We are not liable for indirect, incidental, or consequential damages
• Some jurisdictions do not allow liability limitations, so these may not apply to you

12.1 Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

12.2 Dispute Resolution Process

• We encourage resolving disputes through direct communication first
• If direct resolution fails, disputes will be resolved through binding arbitration
• Arbitration will be conducted under the rules of [Arbitration Organization]
• You may opt out of arbitration within 30 days of account creation

13.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us.

13.2 Severability

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

13.3 Assignment

We may assign these Terms to a successor entity. You may not assign your rights without our consent.

13.4 Changes to Terms

• We may update these Terms from time to time
• We will notify you of material changes by email or through our Service
• Continued use after changes constitutes acceptance