Terms of Service

1. Acceptance of Terms

By accessing and using CraftMyMoney ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use the Service.

2. Service Description

CraftMyMoney is a personal finance management application that helps users track expenses, create budgets, and achieve financial goals through intelligent categorization and insights.

3. User Responsibilities

• You are responsible for maintaining the confidentiality of your account information
• You agree to provide accurate and complete information
• You will not use the Service for any unlawful purposes
• You are responsible for all activities that occur under your account

4. Data and Privacy

• We collect and process your financial data to provide our services
• Your data is encrypted and stored securely
• We do not sell your personal information to third parties
• You retain ownership of your financial data

5. Service Availability

• We strive to maintain service availability but do not guarantee uninterrupted access
• We may perform maintenance that temporarily affects service availability
• We reserve the right to modify or discontinue features with notice

6. Limitation of Liability

• The Service is provided "as is" without warranties of any kind
• We are not liable for any financial decisions made based on our service
• Our liability is limited to the amount you paid for the service in the last 12 months

7. Termination

• You may terminate your account at any time from the app settings
• We may terminate accounts that violate these terms
• Upon termination, you may export your data within 30 days

8. Intellectual Property

The Service and its original content, features, and functionality are owned by CraftMyMoney and are protected by applicable intellectual property laws. The Financial Health Score methodology and framework are proprietary to CraftMyMoney.

9. Changes to Terms

• We may update these terms periodically
• Continued use of the service constitutes acceptance of updated terms
• Material changes will be communicated via email or in-app notification

10. Governing Law

These terms are governed by the laws of India. Any disputes will be resolved in courts of competent jurisdiction in India.

11. Contact Information

For questions about these terms, contact us at support@craftmymoney.com