Review and sign the terms

TERMS AND CONDITIONS

Effective Date: 03/01/2026

These Terms and Conditions ("Terms") govern your access to and use of Financial Tracker, including all related websites, applications, dashboards, reports, features, content, tools, and services (collectively, the "Service"), which are owned and operated by the servicer of the Financial Tracker ("Provider," "we," "us," or "our").

BY CREATING AN ACCOUNT, ACCESSING, OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.

1. NATURE OF THE SERVICE

The Service is an informational tracking and reporting tool designed to allow users to record entries such as contributions, gains, withdrawals, targets, and related data for personal tracking purposes only. The Service is not a bank, broker-dealer, investment adviser, accountant, fiduciary, trustee, custodian, money transmitter, payroll processor, tax preparer, or financial institution of any kind.

The Service does not hold, move, transmit, receive, store, or safeguard funds on your behalf. The Service does not manage any financial account for you. Any payments you make to Provider are solely payments for access to the Service.

2. NO FINANCIAL, INVESTMENT, TAX, LEGAL, OR PROFESSIONAL ADVICE

All content, calculations, summaries, projections, reports, charts, alerts, chatbot outputs, AI-generated content, and other materials made available through the Service are provided for general informational and educational purposes only. They are not financial, investment, tax, legal, accounting, insurance, retirement, trading, or other professional advice.

You acknowledge and agree that:
(a) the Service may contain errors, omissions, delays, inaccuracies, bugs, or incomplete information;
(b) any projections, goal estimates, pacing assessments, or "on track" indicators are estimates only and are not guarantees of any result;
(c) any AI- or software-generated output may be incorrect, misleading, incomplete, outdated, or unsuitable for your circumstances; and
(d) you are solely responsible for evaluating and relying on any information generated by the Service.

You should consult qualified licensed professionals before making financial, investment, tax, legal, business, or other significant decisions.

3. USER ELIGIBILITY AND ACCOUNT RESPONSIBILITY

You represent and warrant that you are legally capable of entering into a binding agreement and of using the Service in compliance with applicable law.

You are solely responsible for:
(a) maintaining the confidentiality of your username, password, credentials, and account access;
(b) all activities that occur under your account;
(c) all data, entries, uploads, edits, deletions, exports, and other actions taken through your account; and
(d) ensuring that your use of the Service complies with all applicable laws and regulations.

Provider is not responsible for unauthorized access to your account, credential theft, account compromise, or any resulting loss, damage, disclosure, or misuse.

4. NO EXPECTATION OF IDENTITY PROTECTION OR SECURE STORAGE

YOU EXPRESSLY ACKNOWLEDGE THAT THE SERVICE IS NOT OFFERED AS A SECURE, ANONYMOUS, ENCRYPTED, OR HACK-PROOF STORAGE PLATFORM.

You agree that:
(a) you will not use your legal name, real-world identifying information, account numbers, Social Security numbers, government-issued identifiers, bank login credentials, brokerage credentials, payment card details, or other sensitive personal or financial information in your username, display name, profile, entries, notes, uploads, or other content unless you choose to do so at your own risk;
(b) you are strongly encouraged to use anonymous names, pseudonyms, and non-identifying usernames;
(c) Provider does not guarantee the confidentiality, privacy, security, integrity, availability, retention, or recoverability of any data; and
(d) any information you submit to the Service may be lost, corrupted, disclosed, accessed, altered, deleted, intercepted, exfiltrated, or rendered unavailable.

You assume all risk associated with submitting, storing, transmitting, or maintaining data through the Service.

5. USER DATA, BACKUPS, AND SOLE RESPONSIBILITY TO EXPORT

You are solely responsible for maintaining your own complete, current, and independent backup copies of your data.

Without limitation, you acknowledge and agree that:
(a) you must regularly download and securely store your own backup copies of your entries, exports, JSON files, reports, and any other data;
(b) Provider has no obligation to preserve, restore, recover, reconstruct, replace, or retransmit any lost or corrupted data;
(c) Provider is not responsible for any loss of entries, reports, settings, profile data, backups, files, exports, or historical records for any reason, including server failure, software error, human error, hacking, malicious activity, third-party outage, discontinuation, migration error, hardware failure, accidental deletion, force majeure, or acts of God; and
(d) if data is lost for any reason, your sole recourse is to restore your own backup, if any.

6. SERVICE AVAILABILITY; NO GUARANTEE OF CONTINUITY

Provider does not guarantee that the Service will be available at any particular time or for any particular duration. The Service may be interrupted, suspended, degraded, modified, limited, or discontinued at any time, with or without notice, for any reason or no reason.

Provider makes no promise that the Service will remain available for the length of any user goal, including multi-year or multi-decade goals. You acknowledge that your use of the Service is entirely at your own risk and that Provider has no obligation to continue operating, maintaining, updating, supporting, repairing, or hosting the Service.

7. BILLING, SUBSCRIPTIONS, AND REFUNDS

If the Service is offered on a paid basis, you agree to pay all applicable fees, charges, taxes, and other amounts disclosed at the time of purchase.

If you purchase a monthly subscription, and Provider elects to permanently discontinue the Service, Provider may, in its sole discretion, provide a refund limited to the unused portion of the then-current billing month or a refund for that month only. Except as expressly stated by Provider in writing, you are not entitled to any refund, credit, prorated amount, reimbursement, damages, expectation interest, reliance damages, or compensation arising from suspension, interruption, feature removal, degradation, or discontinuation of the Service.

For manual PayPal billing, PayPal handles recurring payments and Provider manually confirms account access. You acknowledge that account activation, deactivation, tier changes, and reactivation may require manual review. If a subscription is canceled, not received, reversed, disputed, or otherwise not confirmed, Provider may suspend or deactivate access.

Provider may change pricing, plans, features, usage caps, included response counts, AI limits, or subscription terms at any time to the extent permitted by law.

8. THIRD-PARTY SERVICES

The Service may integrate with or rely on third-party services, software, hosting providers, payment processors, AI providers, analytics vendors, APIs, cloud infrastructure, or other external systems.

Provider is not responsible for any third-party acts, omissions, failures, outages, downtime, breaches, policy changes, billing issues, data loss, security incidents, account restrictions, or service interruptions. Your use of any third-party service may also be subject to separate terms and privacy policies imposed by that third party.

9. ACCEPTABLE USE

You agree not to:
(a) use the Service in violation of any law or regulation;
(b) upload malicious code, attempt unauthorized access, interfere with the Service, scrape the Service, or test vulnerabilities without authorization;
(c) impersonate another person or misrepresent your identity;
(d) use the Service to store or process unlawful, infringing, harassing, fraudulent, or harmful material; or
(e) use the Service in a way that could damage, disable, overburden, or impair the Service or any third-party system.

Provider may suspend, restrict, or terminate access at any time, with or without notice, for suspected violation of these Terms or for any other reason in Provider's sole discretion.

10. NO WARRANTIES

THE SERVICE IS PROVIDED "AS IS," "AS AVAILABLE," "WITH ALL FAULTS," AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROVIDER DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, RELIABILITY, RESULTS, SECURITY, AVAILABILITY, UPTIME, ERROR-FREE OPERATION, DATA RETENTION, AND FREEDOM FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

WITHOUT LIMITING THE FOREGOING, PROVIDER DOES NOT WARRANT THAT:
(a) THE SERVICE WILL MEET YOUR NEEDS OR EXPECTATIONS;
(b) THE SERVICE WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
(c) ANY DATA WILL BE PRESERVED, STORED, RECOVERABLE, OR PROTECTED;
(d) ANY CALCULATION, REPORT, SUMMARY, ESTIMATE, OR AI OUTPUT WILL BE ACCURATE OR USEFUL; OR
(e) DEFECTS WILL BE CORRECTED.

11. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROVIDER AND ITS OWNER(S), AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY CLAIM, LOSS, DAMAGE, LIABILITY, COST, OR EXPENSE OF ANY KIND ARISING OUT OF OR RELATED TO THE SERVICE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, RELIANCE, EXPECTATION, COVER, PUNITIVE, OR ENHANCED DAMAGES, OR ANY LOSS OF DATA, LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF GOODWILL, LOSS OF BUSINESS, LOSS OF OPPORTUNITY, LOSS OF SAVINGS, LOSS OF USE, BUSINESS INTERRUPTION, OR PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS LIMITATION APPLIES TO ALL CLAIMS, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, WARRANTY, EQUITY, OR OTHERWISE, INCLUDING CLAIMS ARISING FROM OR RELATED TO:
(a) UNAUTHORIZED ACCESS, HACKING, DATA BREACH, DATA THEFT, DATA LEAK, OR CYBERATTACK;
(b) DATA LOSS, CORRUPTION, DELETION, INACCURACY, OR FAILURE TO STORE OR TRANSMIT DATA;
(c) SERVICE OUTAGE, SERVER FAILURE, SOFTWARE FAILURE, HOSTING FAILURE, THIRD-PARTY FAILURE, OR SERVICE DISCONTINUATION;
(d) USER RELIANCE ON ANY REPORT, ESTIMATE, PROJECTION, CALCULATION, ALERT, OR AI-GENERATED CONTENT;
(e) BILLING DISPUTES, PAYMENT PROCESSOR ISSUES, OR THIRD-PARTY PLATFORM FAILURES; AND
(f) ANY ACT OR OMISSION OF ANY THIRD PARTY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IF PROVIDER IS FOUND LIABLE DESPITE THE FOREGOING, PROVIDER'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF (I) THE TOTAL AMOUNT PAID BY YOU TO PROVIDER FOR THE SERVICE DURING THE ONE (1) MONTH IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) TEN U.S. DOLLARS (US $10.00).

12. USER ASSUMPTION OF RISK

You knowingly and voluntarily assume all risks arising from your use of the Service, including the risk of data loss, data exposure, reliance on inaccurate information, account compromise, service interruption, and service discontinuation.

13. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Provider and its owner(s), affiliates, officers, directors, employees, contractors, agents, successors, and assigns from and against any and all claims, demands, actions, proceedings, liabilities, damages, judgments, settlements, penalties, fines, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:
(a) your use of the Service;
(b) your data, content, entries, uploads, or account;
(c) your violation of these Terms;
(d) your violation of any law, regulation, or third-party right; or
(e) any dispute between you and any third party arising from your use of the Service.

14. TERMINATION

Provider may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, and without liability. Upon termination, your right to use the Service ceases immediately. Provider may delete or disable access to any data associated with your account at any time, subject only to applicable law.

15. MODIFICATIONS TO THE SERVICE OR TERMS

Provider may modify the Service or these Terms at any time. Updated Terms become effective upon posting or upon any later effective date stated in the updated Terms. Your continued use of the Service after updated Terms take effect constitutes your acceptance of the revised Terms.

16. GOVERNING LAW; VENUE

These Terms shall be governed by and construed in accordance with the laws of the State of [INSERT STATE], without regard to conflict-of-laws rules. Any dispute arising from or relating to these Terms or the Service shall be brought exclusively in the state or federal courts located in [INSERT COUNTY, STATE], and you consent to the personal jurisdiction and venue of those courts.

17. SEVERABILITY

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be enforced to the maximum extent permitted by law.

18. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and Provider regarding the Service and supersede all prior or contemporaneous understandings, communications, and proposals, whether oral or written, relating to the Service.

19. CONTACT

support.financial-tracker@proton.me