Terms of Service

1. Acceptance of Terms

Welcome to PesoTracker! These Terms of Service ("Terms") govern your use of the PesoTracker application and related services (the "Service") operated by PesoTracker ("we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

PesoTracker is a personal finance management application that helps users:

• Track income and expenses
• Create and manage budgets
• Monitor debt and payment schedules
• Scan and process receipts using AI technology
• Set financial reminders and notifications
• Share financial data with family members (optional)
• Generate financial reports and analytics

3. User Accounts and Registration

3.1 Account Creation

To use certain features of our Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

3.2 Age Requirements

You must be at least 13 years old to use this Service. If you are between 13 and 18 years old, you must have parental consent to use the Service.

4. Acceptable Use

4.1 Permitted Use

You may use the Service for lawful personal or business financial management purposes only.

4.2 Prohibited Activities

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws or regulations
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Upload or share malicious code, viruses, or harmful content
• Impersonate another person or entity
• Harvest or collect user information without consent
• Use the Service to spam, harass, or abuse others
• Reverse engineer or attempt to extract source code
• Use automated tools to access the Service without permission

5. User Content and Data

5.1 Your Content

You retain ownership of all financial data, receipts, and other content you upload to the Service. By using the Service, you grant us a limited, non-exclusive license to use your content solely to provide and improve the Service.

5.2 Content Responsibility

You are solely responsible for the accuracy and legality of your content. You represent that:

• You own or have the right to use all content you upload
• Your content does not violate any third-party rights
• Your content is accurate and not misleading
• You will not upload illegal or harmful content

5.3 Data Backup

While we implement regular backups, you are responsible for maintaining your own backups of important financial data. We recommend exporting your data regularly.

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

7. Payment and Subscription Terms

7.1 Free Services

We currently offer our basic services free of charge. We reserve the right to introduce paid features or subscription plans in the future.

7.2 Future Paid Services

If we introduce paid services, we will provide clear pricing, billing terms, and advance notice. Your continued use of paid features will constitute acceptance of the applicable payment terms.

8. Intellectual Property

8.1 Our Rights

The Service, including its software, design, text, graphics, and other content, is owned by us and protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal or business financial management purposes, subject to these Terms.

9. Service Availability and Modifications

9.1 Service Availability

We strive to keep the Service available 24/7, but we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or technical issues.

9.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time. We will provide reasonable notice for significant changes that may affect your use of the Service.

10. Disclaimers and Limitations

10.1 Financial Advice Disclaimer

10.2 Service Disclaimer

The Service is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, including but not limited to:

• Accuracy of financial calculations or data
• Uninterrupted or error-free operation
• Security of data transmission
• Compatibility with all devices or systems
• Achievement of specific financial outcomes

11. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or business information
• Business interruption
• Financial losses due to inaccurate data
• Third-party claims

Our total liability for any claim related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim (or $100 if you haven't paid us anything).

12. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including attorney fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in the application.

13.2 Termination by Us

We may terminate or suspend your account immediately if you violate these Terms or engage in activities that harm the Service or other users.

13.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. We may delete your account and data, though we will provide reasonable opportunity to export your data before deletion.

14. Governing Law and Dispute Resolution

14.1 Governing Law

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

14.2 Dispute Resolution

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in the Philippines, or through the competent courts in the Philippines if arbitration is not applicable.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Service. Your continued use of the Service after changes take effect constitutes acceptance of the new Terms. If you disagree with changes, you should discontinue use of the Service.

16. Severability

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

17. Contact Information

If you have questions about these Terms of Service, please contact us: