Welcome to [Your App Name]! These Terms of Service ("Terms") govern your use of our website, services, and application (collectively, the "Services"). By accessing or using our Services, you agree to these Terms. If you do not agree, do not use the Services.

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1. Acceptance of Terms

By using our Services, you confirm that you are at least 18 years old and capable of entering into legally binding agreements. Your use of the Services signifies your acceptance of these Terms and our Privacy Policy.

2. Scope of Services

[Your App Name] provides tools for budgeting and financial management. The Services are designed to assist with financial planning, but they do not constitute professional legal, accounting, or tax advice. We recommend consulting a professional for such matters.

3. User Responsibilities

• You agree to provide accurate and up-to-date information.
• You are responsible for maintaining the confidentiality of your account credentials.
• You will use the Services only for lawful purposes and comply with all applicable laws.
• You are responsible for any activity that occurs under your account.

4. Data Ownership and Usage

You retain ownership of the data you input into the Services. By using the Services, you grant us a non-exclusive, worldwide, royalty-free license to use, store, process, and display your data solely for the purpose of providing the Services. We are not liable for any loss, corruption, or unauthorized access to your data due to circumstances beyond our control.

5. Disclaimer of Liability

The Services are provided "as is" and "as available." We disclaim all warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement. We are not liable for any errors, inaccuracies, or losses arising from your use of the Services.

6. Indemnification

You agree to indemnify and hold [Your Company Name], its affiliates, officers, and employees harmless from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

7. Account Termination

We may suspend or terminate your account if we believe you have violated these Terms or engaged in conduct harmful to the Services or other users. We reserve the right to take such action at our sole discretion without prior notice.

8. Modifications to Terms

We may update these Terms from time to time. Significant changes will be communicated to you, but continued use of the Services after changes take effect signifies your acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of [Your Jurisdiction]. Any disputes arising under these Terms will be resolved exclusively in the courts of [Your Jurisdiction].

10. Intellectual Property

All content and intellectual property rights associated with the Services are owned by [Your Company Name] or its licensors. You are granted a limited license to use the Services, but you may not reproduce, modify, or distribute any content without our written permission.

11. Disclaimer of Warranties

We make no guarantees regarding the availability, accuracy, or reliability of the Services. Use the Services at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages, including but not limited to loss of data, profits, or business interruption.

13. Privacy Policy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

14. Contact Information

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