Terms and Conditions

Welcome to the app! Please read these Terms and Conditions carefully before using our app. By using the app, you agree to these terms.

1. Acceptance of Terms

By accessing or using the app, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and agree to these Terms. We may update these Terms from time to time, and your continued use of the app after any changes means you accept the updated Terms.

2. License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to use the app for your personal, non-commercial purposes, strictly in accordance with these Terms.

3. Your Responsibilities

You agree to use the app lawfully and only for its intended purpose. You are responsible for ensuring the accuracy of any data you enter into the app (for example, financial information for budgeting). You must not attempt to reverse-engineer, modify, or misuse the app in any way.

4. Local Data Processing & Your Privacy

The app processes and stores all your input (like financial data and budget entries) locally on your device. This means no sensitive user data is transmitted to our servers or third parties. You are responsible for securing your device to protect your data. We are not liable for any data loss due to device issues, theft, or other circumstances beyond our control. For more details, please see our Privacy Policy, which is accessible within the app.

5. No Financial Advice

This app is a simple, generic tool for tracking finances, budgeting, and making projections based on your inputs. It is not a substitute for professional financial advice. All calculations, projections, or outputs are estimates and may contain errors or inaccuracies. You use the app at your own risk and should always consult a qualified financial advisor for personalized advice.

6. Disclaimer of Warranties

The app is provided "as-is" without any warranties, express or implied. This includes, but isn't limited to, warranties of accuracy, reliability, or fitness for a particular purpose. We don't guarantee that the app will be error-free, uninterrupted, or free of bugs. Calculations, budgets, or projections may be inaccurate due to technical limitations or other factors.

7. Limitation of Liability

To the fullest extent permitted by law, Georgios Keramidas shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the app. This includes, but isn't limited to, financial losses, data loss, or errors in calculations. You agree that your use of the app is at your sole risk, and we are not responsible for decisions made based on the app's outputs.

8. Termination

We may suspend or terminate your access to the app at our discretion, with or without notice, if you violate these Terms or misuse the app. You can stop using the app at any time by uninstalling it. Upon termination, these Terms (except for provisions that survive termination, like liability limits) will no longer apply.

9. Intellectual Property

The app, including its design, code, and content (excluding your inputs), is owned by Georgios Keramidas and is protected by intellectual property laws. You may not copy, distribute, or create derivative works from the app without our written permission.

10. Updates and Modifications

We may release updates to the app to improve functionality or fix bugs, but we are not obligated to do so. You agree to install updates to continue using the app. We may modify or discontinue the app at any time without liability.

11. Governing Law

These Terms are governed by the laws of Ireland, Europe, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the app will be resolved in the courts of Ireland.

12. Contact Us

If you have any questions about these Terms, please contact us at georgiosmidas@gmail.com