Terms of Service

1. Acceptance of Terms

By accessing or using the Expense Tracker application ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

2. Description of Service

Expense Tracker is a personal finance management application that allows users to:

• Connect bank accounts and credit cards to view transactions
• Track spending and categorize expenses
• Set budgets and receive alerts
• Identify recurring subscriptions and bills
• View financial insights and reports

3. Account Registration

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

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

4. Financial Data and Third-Party Services

Our Service uses Plaid Inc. to connect to your financial institutions. By using our Service, you:

• Authorize us and Plaid to access your financial account information
• Acknowledge that data accuracy depends on your financial institutions
• Understand that we are not responsible for errors in data from financial institutions
• Agree to Plaid's Terms of Service and Privacy Policy

5. Prohibited Uses

You agree not to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Reverse engineer or decompile the application
• Use the Service to transmit malware or harmful code
• Share your account credentials with others

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Expense Tracker and are protected by international copyright, trademark, and other intellectual property laws.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. WE ARE NOT A FINANCIAL ADVISOR AND THE SERVICE DOES NOT CONSTITUTE FINANCIAL ADVICE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXPENSE TRACKER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

9. Termination

We may terminate or suspend your account at any time for violations of these Terms. You may delete your account at any time through the app settings. Upon termination, your right to use the Service will immediately cease.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms and updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the new Terms.

11. Contact Us

If you have any questions about these Terms, please contact us at: