Welcome to PocketBuddy! These Terms and Conditions "Terms" govern your access to and use of our website, mobile application, and services collectively, the "Services". By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Acceptance of Terms

By downloading, installing, or using the PocketBuddy mobile application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.

2. Description of Service

PocketBuddy is a financial management application that provides:

• Spending tracking and budget management

• Bank account integration and transaction monitoring

• AI-powered financial assistant

• Goal setting and progress tracking

• Spending analytics and insights

3. User Accounts

3.1 Account Creation

• You must provide accurate, current, and complete information when creating an account

• You are responsible for maintaining the confidentiality of your account credentials

• You must be at least 16 years old to create an account

3.2 Account Security

• You are responsible for all activities that occur under your account

• Notify us immediately of any unauthorized use of your account

• We reserve the right to suspend or terminate accounts that violate these Terms

4. Financial Information and Banking

4.1 Bank Account Integration

• The App connects to your bank accounts through secure third-party services

• You authorize us to access your financial data for the purposes of providing our services

• We do not store your bank login credentials

• You can disconnect bank accounts at any time through the App

4.2 Data Accuracy

• We rely on data provided by your bank and cannot guarantee its accuracy

• You should verify all financial information independently

• We are not responsible for errors in bank data or transaction information

5. AI Assistant Service

5.1 AI Features

• The App includes an AI-powered financial assistant

• AI responses are for informational purposes only and do not constitute financial advice

• You should not rely solely on AI recommendations for financial decisions

• We are not responsible for any financial losses resulting from AI advice

5.2 AI Data Usage

• AI-generated notes are stored with your financial data

6. Acceptable Use

6.1 Prohibited Activities

You agree not to:

• Use the App for any illegal or unauthorized purpose

• Attempt to gain unauthorized access to our systems

• Interfere with or disrupt the App's functionality

• Share your account credentials with others

• Use the App to violate any applicable laws or regulations

6.2 Responsible Use

• Use the App in accordance with all applicable laws

• Provide accurate and truthful information

• Respect the privacy and rights of others

• Use the App for its intended financial management purposes

7. Privacy and Data Protection

7.1 Data Collection

• We collect and process your data as described in our Privacy Policy

• By using the App, you consent to our data collection and processing practices

• We implement appropriate security measures to protect your data

7.2 Data Sharing

• We may share your data with service providers as necessary to provide our services

• We will not sell your personal information to third parties

• We may disclose information if required by law

8. Intellectual Property

8.1 Our Rights

• The App and its content are owned by us and protected by intellectual property laws

• You may not copy, modify, or distribute the App without our permission

• All trademarks and logos belong to their respective owners

8.2 Your Content

• You retain ownership of any content you create within the App

• You grant us a license to use your content to provide our services

• You are responsible for the accuracy and legality of your content

9. Disclaimers and Limitations

9.1 Service Availability

• We strive to provide reliable service but cannot guarantee uninterrupted access

• The App may be temporarily unavailable for maintenance or updates

• We are not responsible for service interruptions beyond our control

9.2 Financial Advice Disclaimer

• The App provides financial management tools but does not offer financial advice

• We are not licensed financial advisors

• You should consult qualified professionals for financial advice

• We are not responsible for any financial decisions you make based on App data

9.3 Limitation of Liability

• We are not liable for any indirect, incidental, or consequential damages

• Our total liability is limited to the amount you paid for the App (if any)

• We are not responsible for losses due to bank errors or technical issues

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of the App

• Your violation of these Terms

• Your violation of any applicable laws

• Your content or data provided to the App

11. Termination

11.1 Termination by You

• You may stop using the App at any time

• You can delete your account through the App settings

• Upon account deletion, your data will be removed according to our data retention policy

11.2 Termination by Us

• We may terminate or suspend your access to the App at any time

• We may terminate accounts that violate these Terms

• We will provide notice of termination when possible

12. Changes to Terms

12.1 Updates

• We may update these Terms from time to time

• We will notify you of material changes through the App or email

• Continued use of the App after changes constitutes acceptance of new Terms

12.2 Notification

• We will provide reasonable notice of any material changes

• You may terminate your account if you do not agree to updated Terms

13. Governing Law and Disputes

13.1 Governing Law

These Terms are governed by the laws of the jurisdiction in which PocketBuddy operates, unless otherwise required by local laws.

13.2 Dispute Resolution

• We encourage resolving disputes through direct communication

• If disputes cannot be resolved, they will be settled through appropriate legal channels

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to be effective.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

16. Contact Information

For questions about these Terms, please contact us at:

Email: pocketbuddy@emlsm.tech

17. Additional Terms for Specific Features

17.1 Push Notifications

• You may receive push notifications for important updates

• You can disable notifications in your device settings

• We are not responsible for notification delivery issues

17.2 Offline Functionality

• Some features may require internet connectivity

• Data may be cached locally for offline access

• Sync may be delayed when connectivity is restored