1. Acceptance of Terms
1. Acceptance of Terms
By accessing or using the BudgetHQ application ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.
2. Description of Service
2. Description of Service
BudgetHQ is a personal finance and budget tracking application that allows you to manage accounts, track income and expenses, and organize your financial data. The Service is provided "as is" for personal, non-commercial use.
3. Account Registration
3. Account Registration
To use BudgetHQ, you must create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information during registration.
4. User Responsibilities
4. User Responsibilities
You are solely responsible for the accuracy of the financial data you enter. You must not use the Service for any illegal or unauthorized purpose. You must not attempt to access other users' accounts or data. You must not interfere with or disrupt the Service or its infrastructure.5. Intellectual Property
5. Intellectual Property
The BudgetHQ name, logo, and all related content, features, and functionality are owned by BudgetHQ and are protected by copyright, trademark, and other intellectual property laws.
6. Disclaimer
6. Disclaimer of Warranties
BudgetHQ is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.
BudgetHQ is not a financial advisor. The Service is a tracking and organizational tool only. You should consult a qualified financial advisor for financial decisions.
7. Limitation of Liability
7. Limitation of Liability
To the maximum extent permitted by law, BudgetHQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service, including but not limited to loss of data or financial losses.
8. Account Termination
8. Account Termination
We reserve the right to suspend or terminate your account at any time for violation of these Terms. You may delete your account at any time through your account settings. Upon deletion, your data will be permanently removed from our systems within 30 days.
9. Changes to Terms
9. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the updated Terms on this page. Your continued use of the Service after changes constitutes acceptance of the new Terms.
10. Governing Law
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.