Terms of Service

1. Acceptance of Terms

By accessing or using ZenSpend, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

2. Description of Service

ZenSpend is a personal finance management tool that helps you track expenses, import bank statements, categorize transactions, and analyze your spending habits. The service is provided "as is" and we reserve the right to modify or discontinue it at any time.

3. User Accounts

To use our service, you must:

• Create an account with accurate information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be at least 18 years old or have parental consent

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

4. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Upload malicious content or attempt to compromise security
• Interfere with or disrupt the service
• Attempt to access other users' data
• Use automated systems to access the service without permission
• Resell or redistribute the service without authorization

5. Your Data

You retain ownership of all data you upload to ZenSpend. By using our service, you grant us a limited license to process your data solely for the purpose of providing the service. We will not use your data for any other purpose. See our Privacy Policy for more details.

6. Financial Disclaimer

ZenSpend is a tool for personal financial tracking and analysis. We do not provide financial advice. The projections, insights, and calculations provided are for informational purposes only and should not be considered investment advice. Always consult with a qualified financial advisor before making financial decisions.

7. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access. The service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We are not liable for any loss or damage resulting from service interruptions.

8. Limitation of Liability

To the maximum extent permitted by law, ZenSpend and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your use of the service.

9. Indemnification

You agree to indemnify and hold harmless ZenSpend and its operators from any claims, damages, or expenses arising from your use of the service or violation of these terms.

10. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason at our discretion. You may also delete your account at any time through the settings page. Upon termination, your right to use the service ceases immediately.

11. 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.

12. Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

13. Contact

For questions about these Terms of Service, please contact us at: support@zenspend.app