Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your use of the Expense Chip personal finance management platform operated by Expense Chip Inc. ("we," "us," or "our"). By accessing or using our service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the service.

Description of Service

Expense Chip is a comprehensive personal finance management platform that provides:

• Expense tracking and budget management tools
• Investment portfolio monitoring and analysis
• Financial goal setting and progress tracking
• Social features for sharing expenses and financial goals
• Personal journaling and habit tracking features
• Loan and debt management tools
• Financial analytics and reporting

Account Registration and Security

Registration Requirements

• You must be at least 18 years old to create an account
• You must provide accurate, current, and complete information
• You must have a valid invite code during our invite-only registration period
• You are responsible for maintaining the security of your account credentials
• You must notify us immediately of any unauthorized access

Account Responsibilities

• You are responsible for all activities under your account
• You must keep your login credentials confidential
• You must not share your account with others
• You must promptly update any changes to your information

Acceptable Use

You agree to use our service only for lawful purposes and in accordance with these Terms. You agree NOT to use the service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading financial information
• To upload or transmit viruses or any other type of malicious code
• To collect or track personal information of other users without consent
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose or to provoke obscene or immoral conduct
• To interfere with or circumvent the security features of the service

Financial Information and Advice Disclaimer

• We do not guarantee the accuracy of financial calculations or projections
• Investment performance data is for informational purposes only
• You should consult with qualified professionals for financial advice
• Past performance does not guarantee future results
• We are not responsible for financial decisions made based on our tools

Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

• You retain ownership of your financial data
• We implement industry-standard security measures
• You can export or delete your data at any time
• We will never sell your personal financial information
• Third-party integrations are subject to their own privacy policies

Subscription and Billing

Free Trial and Paid Plans

• Free trial periods are available for new users
• Subscription fees are billed in advance on a recurring basis
• Prices may change with 30 days notice to existing subscribers
• Refunds are available within 30 days of initial subscription
• Cancellation takes effect at the end of the current billing period

Payment Terms

• All fees are non-refundable except as expressly stated
• Failed payments may result in service suspension
• You are responsible for all applicable taxes
• Billing disputes must be reported within 60 days

Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of Expense Chip Inc. and its licensors. The service is protected by copyright, trademark, and other laws.

• You may not copy, modify, or distribute our content without permission
• User-generated content remains your property
• You grant us a license to use your content to provide the service
• Trademark and logo usage requires written permission

Service Availability and Modifications

Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Scheduled maintenance will be announced in advance when possible
• Third-party service disruptions may affect our platform
• We are not liable for service interruptions beyond our control

Service Modifications

• We may modify or discontinue features with notice
• Major changes will be communicated to users in advance
• We reserve the right to remove content that violates our terms
• Account termination may occur for terms violations

Limitation of Liability

• Our liability is limited to the amount you paid for the service
• We are not responsible for financial losses based on our tools
• Third-party integrations are subject to their own liability terms
• Some jurisdictions do not allow liability limitations

Account Termination

Termination by You

• You may terminate your account at any time
• Cancellation requests can be made through your account settings
• Data export is available before account deletion
• Subscription fees are non-refundable except as stated

Termination by Us

• We may terminate accounts for terms violations
• Inactive accounts may be suspended after extended periods
• We will provide notice when possible before termination
• Refunds for early termination are at our discretion

Governing Law and Disputes

These Terms shall be interpreted and governed by the laws of [State/Country], without regard to its conflict of law provisions. Any disputes arising from these Terms or the service will be resolved through binding arbitration.

• Disputes will be resolved through individual arbitration
• Class action lawsuits are waived where legally permissible
• Small claims court actions are permitted
• Arbitration will be conducted under established arbitration rules

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our service after revisions become effective, you agree to be bound by the revised terms.

Contact Information

If you have any questions about these Terms of Service, please contact us: