Terms of Service

Last Updated: June 28, 2025

Acceptance of Terms

By using Smart Finance Assistant, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service. These terms constitute a legally binding agreement between you and Smart Finance Assistant.

Description of Service

Smart Finance Assistant is a personal finance management application that helps you track expenses, manage budgets, analyze your financial data, and receive AI-powered financial insights. The service is provided as-is and may be updated from time to time to improve functionality and user experience.

Key features include:

User Responsibilities

You are responsible for maintaining the security of your account and all activities that occur under your account. You must provide accurate information and keep your account information up to date.

Your responsibilities include:

Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Please notify us immediately of any unauthorized use of your account.

Important: Never share your account credentials with others. We will never ask you for your password via email or phone.

Data Accuracy

While we strive to provide accurate financial tools and features, you are responsible for the accuracy of the financial data you input. We recommend regularly reviewing and verifying your data.

Smart Finance Assistant does not provide financial advice. All insights and recommendations are for informational purposes only and should not be considered as professional financial advice.

Prohibited Uses

You may not use our service for any unlawful purpose or to violate any laws. You may not attempt to gain unauthorized access to our systems or interfere with the proper working of the service.

Prohibited activities include:

Intellectual Property

The Smart Finance Assistant app and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our service or software, nor may you reverse engineer or attempt to extract the source code of our software.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. By using our service, you agree to the collection and use of information in accordance with our Privacy Policy.

Service Availability

We strive to maintain high service availability, but we do not guarantee that the service will be available at all times. The service may be temporarily unavailable due to maintenance, updates, or technical issues.

We reserve the right to modify, suspend, or discontinue any part of the service at any time with or without notice.

Disclaimer

Our service is provided 'as is' without warranties of any kind, either express or implied. We do not guarantee that the service will be error-free, uninterrupted, or meet your specific requirements. Use of the service is at your own risk.

Financial Disclaimer: Smart Finance Assistant is not a financial advisor. All information and insights provided are for educational purposes only and should not be considered as professional financial advice.

Limitation of Liability

In no event shall Smart Finance Assistant be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, or business interruption, arising out of your use of the service.

Our total liability to you for any damages shall not exceed the amount you paid for the service in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Smart Finance Assistant from any claims, damages, losses, or expenses arising from your use of the service, violation of these terms, or infringement of any third-party rights.

Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice, for any reason, including breach of these Terms. You may also terminate your account at any time through the app settings.

Upon termination, your right to use the service will cease immediately. We may delete your account and data according to our data retention policies.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which our company is established, without regard to conflict of law provisions.

Any disputes arising from these terms or your use of the service shall be resolved through binding arbitration in accordance with commercial arbitration rules.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any changes through the app or by email. Continued use of the service after changes constitutes acceptance of the modified terms.

If you do not agree to the modified terms, you should discontinue use of the service.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Contact Us

If you have any questions about these Terms of Service, please contact us:

📧 Email: [email protected]

📱 Through the app's support feature

📄 Legal inquiries: [email protected]