Terms of Service

1. Acceptance of Terms

By accessing and using ExpenseFlow (“the Service”), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

ExpenseFlow is a financial management application that helps users track expenses, income, budgets, savings, and debts. The Service includes:

• Expense and income tracking
• Budget creation and monitoring
• Financial insights and analytics
• Debt management tools (Pro feature)
• Bank account integration
• Mobile and web access

3. User Accounts

To use certain features of the Service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Notifying us immediately of any unauthorized use

4. Subscription and Billing

5. Data and Privacy

Your financial data is encrypted and stored securely. We do not share your personal or financial information with third parties except as described in our Privacy Policy.

You retain ownership of your data and can export it at any time. We may use anonymized, aggregated data for service improvement.

6. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the Service
• Interfere with or disrupt the Service
• Share your account credentials with others
• Use the Service to store or transmit malicious code

7. Intellectual Property

The Service and its original content, features, and functionality are owned by ExpenseFlow and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Disclaimers

The Service is provided “as is” without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Accuracy of financial calculations or advice
• Compatibility with all devices or browsers
• Security against all potential threats

9. Limitation of Liability

In no event shall ExpenseFlow be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new terms.

11. Contact Information

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