Terms of Service - MoneyMatter

1. Acceptance of Terms

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

2. Description of Service

MoneyMatter is a personal finance management application that allows you to track expenses, manage budgets, connect bank accounts, and analyze your financial data. The Service is provided "as is" and "as available."

3. Acceptable Use

You agree not to:

Use the Service for any illegal purpose
Attempt to gain unauthorized access to the Service or its systems
Interfere with or disrupt the Service
Upload malicious code or content
Scrape or collect data from other users

4. Bank Integrations

If you choose to connect your bank accounts, you acknowledge that:

You are providing your own API credentials or authorizing access through OAuth
We act as an intermediary and are not responsible for bank API availability
Bank connections may require periodic re-authorization
Transaction data accuracy depends on the information provided by your bank

5. Data and Content

You retain ownership of all financial data you enter into the Service. By using the Service, you grant us a limited license to store, process, and display your data solely for the purpose of providing the Service.

You are responsible for the accuracy of the data you enter and for maintaining backups of important information.

6. Open Source License

MoneyMatter is open source software licensed under CC BY-NC-SA 4.0. You may self-host and modify the software in accordance with this license. The source code is available on GitHub.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

MoneyMatter is not a financial advisor. The Service is for informational and tracking purposes only. You should consult a qualified financial professional for financial advice.

8. 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 LOSS OF DATA OR FINANCIAL LOSSES, ARISING FROM YOUR USE OF THE SERVICE.

9. Service Modifications

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We are not liable for any modification, suspension, or discontinuation of the Service.

10. Termination

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

11. Changes to Terms

We may update these Terms of Service from time to time. Continued use of the Service after changes constitutes acceptance of the new terms. We will notify users of significant changes.

12. Contact

For questions about these Terms, please open an issue on our GitHub repository.