Agreement to Terms
By downloading, installing, or using the SmartFinance AI mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App.
These Terms constitute a legally binding agreement between you and the developers of SmartFinance AI regarding your use of the App.
Description of Service
SmartFinance AI is a personal finance management application that provides:
- Transaction tracking and categorization
- AI-powered receipt scanning and data extraction
- Budget creation and monitoring
- Financial goal setting and tracking
- Investment portfolio management
- AI-generated financial insights and recommendations
- Data visualization and analytics
The App is designed for personal, non-commercial use to help individuals manage their personal finances.
Eligibility
To use SmartFinance AI, you must:
- Be at least 18 years of age
- Have the legal capacity to enter into this agreement
- Not be prohibited from using the App under applicable laws
- Provide accurate information when required
If you are under 18, you may use the App only with the involvement and consent of a parent or guardian.
User Responsibilities
Accurate Information
You are responsible for:
- Ensuring all financial data you input is accurate
- Regularly reviewing and updating your information
- Verifying AI-generated categorizations and insights
- Making informed financial decisions based on the App's information
Prohibited Uses
You agree not to:
- Use the App for any illegal or unauthorized purpose
- Attempt to reverse engineer, decompile, or hack the App
- Share your App access with unauthorized third parties
- Input false or misleading financial information intentionally
- Use the App to violate any applicable laws or regulations
- Attempt to access other users' data or accounts
Device Security
You are responsible for:
- Maintaining the security of your device
- Keeping your device's operating system updated
- Using appropriate device security measures (passcodes, biometrics)
- Promptly reporting any security breaches
Financial Disclaimers
Not Financial Advice
SmartFinance AI provides tools and insights for personal financial management but does not provide financial advice. The App:
- Is not a substitute for professional financial advice
- Does not guarantee financial outcomes
- Should not be the sole basis for financial decisions
- Does not constitute investment recommendations
AI Limitations
Our AI features are designed to assist you but may have limitations:
- Receipt scanning may not be 100% accurate
- Category suggestions may need manual review
- Insights are based on historical data patterns
- Predictions are estimates, not guarantees
Professional Consultation
For significant financial decisions, we recommend consulting with qualified financial professionals, including:
- Financial advisors
- Tax professionals
- Investment specialists
- Legal counsel when appropriate
Privacy and Data
Your privacy is important to us. Our data practices are governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points:
- Your financial data is stored locally on your device
- We do not collect or store your financial information
- Data processing occurs locally for privacy protection
- You retain full control over your data
Please review our Privacy Policy for complete details about how we handle your information.
Intellectual Property
Our Rights
SmartFinance AI and all related content, including:
- App design, code, and functionality
- AI algorithms and models
- User interface and graphics
- Trademarks and branding
Are protected by intellectual property laws and remain our exclusive property.
Your Rights
You retain ownership of:
- Your personal financial data
- Information you input into the App
- Receipt images you capture
License Grant
We grant you a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in accordance with these Terms.
In-App Purchases
SmartFinance AI may offer in-app purchases, including:
- Ad removal options
- Premium features (if available)
Purchase Terms
- All purchases are processed through the App Store
- Purchases are generally non-refundable
- Refund requests should be directed to Apple
- Prices may vary by region and are subject to change
Subscription Terms
If we offer subscription services in the future:
- Subscriptions automatically renew unless cancelled
- You can cancel anytime through your App Store account
- Changes take effect at the next renewal period
Availability and Updates
Service Availability
We strive to maintain App availability but cannot guarantee:
- Uninterrupted access to the App
- Error-free operation
- Compatibility with all devices
- Continued availability of all features
Updates and Changes
We may:
- Release App updates and improvements
- Modify or discontinue features
- Change the App's functionality
- Update these Terms as needed
Significant changes will be communicated through the App or our website.
Disclaimers and Limitations
Warranty Disclaimer
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- Merchantability or fitness for a particular purpose
- Accuracy of financial calculations or insights
- Uninterrupted or error-free operation
- Security against all threats
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:
- Any financial losses or damages
- Indirect, incidental, or consequential damages
- Loss of data or profits
- Business interruption
- Any damages exceeding the amount paid for the App
Indemnification
You agree to indemnify and hold us harmless from any claims, losses, damages, or expenses arising from:
- Your use of the App
- Violation of these Terms
- Infringement of third-party rights
- Your financial decisions based on App information
Termination
By You
You may terminate your use of the App at any time by:
- Deleting the App from your device
- Discontinuing use of the App
By Us
We may terminate or suspend your access if you:
- Violate these Terms
- Engage in prohibited activities
- Pose a security risk
Effect of Termination
Upon termination:
- Your license to use the App ends
- You should delete the App and all data
- Certain provisions of these Terms survive
Governing Law and Disputes
These Terms are governed by applicable laws. Any disputes will be resolved through:
- Good faith negotiation first
- Binding arbitration if negotiation fails
- Individual basis (no class actions)
You retain the right to pursue claims in small claims court for qualifying disputes.
General Provisions
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.
Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force.
Assignment
You may not assign your rights under these Terms. We may assign our rights without restriction.
No Waiver
Our failure to enforce any provision does not constitute a waiver of that provision.
Changes to Terms
We may update these Terms from time to time. Changes will be effective when:
- Posted on our website
- Notified through the App
- You continue using the App after changes
Material changes will be clearly communicated with reasonable advance notice.
Contact Information
If you have questions about these Terms or need to contact us for any reason:
We will respond to your inquiry within a reasonable time.
Acknowledgment
By using SmartFinance AI, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. You also acknowledge that you have read and understood our Privacy Policy.
Thank you for choosing SmartFinance AI to help manage your personal finances!