Terms of Service

Introduction

Welcome to Moneyties! These Terms of Service ("Terms") govern your use of our budgeting application and services. By using Moneyties, you agree to these terms.

We aim to explain our Terms of Service in simple and direct language to make this easy to understand.

Acceptance of Terms

By accessing or using Moneyties, you agree to be bound by these Terms. If you disagree with any part of these terms, you may not access our service.

Description of Service

Moneyties is a personal budgeting application that helps you:

• Create and manage budgets
• Track your income and expenses
• Monitor your financial goals
• Analyze your spending patterns
• Learn about personal financial principles and ultimately save more of your money

Our service is provided "as is" and we reserve the right to modify or discontinue features at any time.

User Accounts

Account Creation

• You must be at least 16 years old to create an account
• You must provide accurate and complete information
• You are responsible for maintaining the security of your account
• You must notify us immediately of any unauthorized use
• You must verify your email address in order to access functionality within the Moneyties system

Account Security

• Keep your password secure and confidential
• Don't share your account credentials with others
• Log out when using shared devices
• We may implement additional security measures like two-factor authentication, and may require you to follow these measures to protect your account

Acceptable Use

You agree to use Moneyties only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or attempt to compromise security
• Use automated tools to access the service (except as permitted)
• Share your account with others
• Use the service to store or transmit harmful content
• Willfully or knowingly access the data of any other Moneyties user without their express written permission

Service Limitations and Security Measures

To ensure fair use and security for all users, we implement various measures:

Rate Limiting and Throttling

• We may limit the number of requests you can make to our service
• Excessive usage may result in temporary restrictions
• These limits help prevent abuse and ensure service stability

Account Limits

• We set limits on access to Moneyties and its features based on trial accounts
• We may set limits on data storage, number of transactions, or other features
• These limits may vary based on your account type or usage patterns
• We'll notify you if you approach or exceed these limits

Monitoring and Security

• We monitor service usage to detect and prevent abuse
• We may implement additional security measures as needed
• Suspicious activity may result in account review or restriction

Account Suspension and Termination

We may suspend or terminate your account if:

• You violate these Terms of Service
• You engage in fraudulent or abusive behavior
• Your account poses a security risk
• You repeatedly exceed usage limits
• Required by law or regulation

We will provide reasonable notice before terminating accounts, except in cases of serious violations or security threats.

Data and Privacy

Your privacy is important to us. Our collection and use of your data is governed by our Privacy Policy, which is incorporated into these Terms.

• You retain ownership of your budget data
• We process your data to provide our services
• You can export your data at any time
• You can request deletion of your account and data

Service Availability

While we strive to maintain high availability:

• We don't guarantee uninterrupted service
• We may perform maintenance that temporarily affects availability
• We're not liable for service interruptions
• We'll provide reasonable notice for planned maintenance
• While in closed beta, which is disclosed throughout the application, we make no guarantees about availability of the service or stability of your budgeting data. Please use with caution

Intellectual Property

Moneyties and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

You retain ownership of your budget data, but grant us a license to use it to provide our services.

Limitation of Liability

To the maximum extent permitted by law:

• We provide the service "as is" without warranties
• We're not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid for our service
• We're not responsible for financial decisions made based on our service

Indemnification

You agree to defend, indemnify, and hold harmless Moneyties from any claims, damages, or expenses arising from your use of the service or violation of these Terms.

Changes to Terms

We may update these Terms from time to time. We'll notify you of material changes by:

• Posting the new Terms on this page
• Updating the "Last updated" date
• Sending you an email notification for significant changes

Your continued use of the service after changes constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by the laws of Japan. Any disputes will be resolved in the courts of Japan, unless otherwise required by law.

Severability

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

Contact Information

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

• Email: admin (at '@') moneyties (dot '.') jp
• Through our application's support features

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Moneyties regarding your use of our service.