1. Acceptance of Terms

By accessing or using Family Budget Tracker ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Subscription & Billing

2.1 Free Trial

• Premium subscriptions include a one-time 7-day free trial
• You can only use the trial once per user (either Solo or Family)
• You will not be charged during the trial period
• You can cancel anytime during the trial without being charged
• After the trial, your subscription will automatically renew monthly

2.2 Subscription Renewals

• Subscriptions automatically renew on a monthly basis
• You will be charged at the start of each billing cycle
• Prices are subject to change with 30 days notice

2.3 Cancellations & Downgrades

• You may cancel your subscription at any time
• Cancellations take effect at the end of your current billing period
• If you downgrade mid-cycle, you will receive pro-rata account credit applied to future billing
• No cash refunds will be issued for downgrades or cancellations

3. Your Statutory Rights

These Terms do not affect your statutory rights under the consumer protection laws of your country.

For UK/EU Users: By starting your subscription immediately after the trial, you acknowledge that you are requesting immediate access to the Service. This does not affect your right to cancel during the trial period or your statutory rights if the Service is faulty or not as described.

4. Service Availability

• We strive for 99.9% uptime but do not guarantee uninterrupted access
• Scheduled maintenance will be announced in advance when possible
• We are not liable for data loss; you should export your data regularly

5. User Data & Privacy

• Your financial data is encrypted and stored securely
• We will never sell your personal information to third parties
• You retain ownership of all data you upload
• You can export or delete your data at any time

6. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose
• Attempt to breach security or authentication measures
• Upload malicious code or viruses
• Share your account credentials with others
• Abuse the AI statement upload feature (e.g., excessive uploads)

7. AI Trends & Insights

• Informational Purposes Only: AI-powered spending trends and insights are provided for pattern recognition and educational purposes. They do not constitute professional financial or investment advice.
• 5+1 Cycle Logic: Trends are calculated based on historical pay cycles. Accuracy depends on consistent categorization and frequent data updates.

8. Magic Drop & Automation

• Folder Responsibility: You are responsible for the content of any files placed in your shared "MagicDrop" folder.
• Service Access: You acknowledge that sharing a folder with our service bot provides it with access to process files within that specific folder. You may revoke this access at any time via your Google account settings.

9. Limitation of Liability

The Service is provided "as is" without warranties of any kind. We are not liable for:

• Financial decisions made based on data in the Service
• Errors in AI-categorized transactions (you should review all data)
• Indirect, incidental, or consequential damages
• Loss of profits or data

Our total liability to you shall not exceed the amount you paid in the last 12 months.

10. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes via email or through the Service. Continued use after changes constitutes acceptance.

11. Governing Law

These Terms are governed by the laws of England and Wales. However, this does not affect your statutory rights in your country of residence.

Any disputes will be resolved in accordance with the laws of England and Wales, or as required by applicable consumer protection laws in your jurisdiction.

12. Contact

For questions about these Terms, please contact us:

• 📧 Email: [email protected]
• 💬 Support Center: Visit Support