1. Acceptance of Terms

By accessing and using Financial Records ("the Service"), you accept and agree to be bound by the terms and provision of this agreement.

2. Description of Service

Financial Records is a personal financial management platform that allows users to:

• Track expenses and income across multiple accounts
• Manage credit cards, debit cards, and savings accounts
• Monitor subscription payments and recurring transfers
• Generate financial reports and analytics
• Collaborate with family members on household finances

3. User Accounts

To use our Service, you must:

• Create an account with accurate, complete, and current information
• Maintain the security of your password and accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breach
• Be at least 18 years old or have parental consent

4. Privacy and Data Protection

Your privacy is important to us. We collect and use your information in accordance with our Privacy Policy. Key points include:

• Financial data is encrypted and securely stored
• We do not sell or share your personal financial information
• You maintain ownership of your data
• You can export or delete your data at any time

5. Subscription and Payment Terms

Our Service offers both free and premium features:

• Monthly Subscription: $4.99/month
• Annual Subscription: $49.99/year
• Payments are processed securely through PayPal
• Subscriptions auto-renew unless cancelled
• Refunds are available within 30 days of purchase

6. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to other users' accounts
• Upload malicious code or attempt to disrupt the Service
• Share your account credentials with unauthorized users
• Use the Service to track finances that are not your own without permission

7. Data Backup and Security

While we implement robust security measures:

• We recommend users maintain their own backups of critical financial data
• We are not liable for data loss due to user error or account deletion
• We use industry-standard encryption and security practices
• Regular security audits are conducted to protect user data

8. Limitation of Liability

Financial Records is provided "as is" without warranties. We are not liable for:

• Any financial decisions made based on information from our Service
• Temporary service interruptions or data loss
• Third-party integrations or external service failures
• User error or misuse of the platform

9. Termination

Either party may terminate this agreement at any time:

• Users can cancel their subscription and delete their account
• We may suspend accounts that violate these terms
• Upon termination, user data will be retained for 90 days for recovery
• After 90 days, account data will be permanently deleted

10. Changes to Terms

We reserve the right to modify these terms at any time:

• Users will be notified of significant changes via email
• Continued use of the Service constitutes acceptance of new terms
• Users may terminate their account if they disagree with changes

11. Contact Information

For questions about these Terms of Service, please contact us:

• Email: info@financialrecords.net
• Support: Use our "Suggest a Feature" form for inquiries

12. Governing Law

These terms are governed by applicable laws. Any disputes will be resolved through appropriate legal channels.