Terms of Service

Welcome to Moneymate! By using our application, you agree to comply with the following terms and conditions. Please read them carefully, as they govern your use of Moneymate’s services. If you do not agree with any part of these terms, please discontinue your use of the app.

Acceptance of Terms

By accessing or using Moneymate, you acknowledge that you have read, understood, and agreed to these Terms of Service. We reserve the right to update or modify these terms at any time. Continued use of the app after any changes means you accept the revised terms.

Use of the Service

Moneymate is a personal finance management tool designed to help you track your expenses and manage your financial data. The app is for personal, non-commercial use only. You agree not to misuse the service, engage in unauthorized access, or attempt to interfere with its functionality.

User Accounts

To access certain features of Moneymate, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials. While we do not store user passwords, you must ensure that your login details remain secure. If you suspect any unauthorized access to your account, notify us immediately.

Data and Privacy

Moneymate collects and processes limited user data, including your name and email address, to personalize your experience and enable cloud synchronization via Google Drive. We do not access or store your financial details for any other purpose beyond providing app functionality. Additionally, while Moneymate integrates AI features powered by Google’s Gemini 2.0, the AI does not have direct access to your expense details. However, certain interactions with AI may be processed by Google in accordance with their privacy policies.

Account Termination

You may stop using Moneymate at any time. If you wish to delete your account and associated data, you must submit a request via email to [Your Email Address]. We will process account deletion in compliance with applicable laws and remove your data from our systems. We reserve the right to suspend or terminate your account if you violate these Terms of Service, engage in fraudulent activities, or misuse the platform in any way.

Service Availability, AI Responses, and Liability

We strive to provide a reliable and high-quality service, but we do not guarantee that Moneymate will always function without disruptions, errors, or downtime. You acknowledge that technical issues or maintenance may affect availability, and we are not responsible for any losses resulting from service interruptions.

Moneymate integrates AI-powered features using Google’s Gemini 2.0 to provide insights and assistance. However, AI-generated responses are for informational purposes only and should not be considered financial advice. The AI may occasionally provide incorrect, outdated, or misleading information. Moneymate does not control or verify AI responses and assumes no liability for any decisions, actions, or losses resulting from reliance on AI-generated content. Users should always exercise their own judgment and consult professional financial advisors when making important financial decisions.

Moneymate is provided on an “as-is” and “as-available” basis. We disclaim any warranties, express or implied, regarding the app’s reliability, accuracy, or suitability for your financial needs. You use the service at your own risk.

Changes to These Terms

We may update these Terms of Service as necessary. If significant changes occur, we will notify users through the app or other appropriate means. Your continued use of Moneymate after updates signifies your acceptance of the revised terms. For any questions or concerns regarding these Terms of Service, please contact us at [Your Email Address].