Terms & Conditions

1. Acceptance of Terms

By downloading, installing, or using the SaldoMind mobile application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our App.

2. Description of Service

SaldoMind is a personal finance management application that helps users track expenses, manage budgets, analyze spending patterns, and achieve financial goals. The App provides tools for:

• Transaction tracking and categorization
• Budget creation and monitoring
• Financial analytics and reporting
• Group expense management
• Shopping list management
• Financial goal setting and tracking

3. User Accounts and Security

To use certain features of the App, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Providing accurate and complete information

4. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the App, you consent to our data practices as described in the Privacy Policy.

5. Financial Data Security

We implement industry-standard security measures to protect your financial data. However, you acknowledge that:

• No system is completely secure
• You use the App at your own risk
• We are not liable for unauthorized access due to circumstances beyond our control
• You should regularly backup your data

6. Acceptable Use

You agree not to:

• Use the App for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the App's functionality
• Upload malicious code or content
• Violate any applicable laws or regulations
• Share your account with others

7. Intellectual Property

The App and its content, including but not limited to text, graphics, images, software, and other materials, are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Disclaimers and Limitations

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We are not responsible for any financial decisions you make based on information provided by the App. You should consult with qualified financial professionals for financial advice.

9. Termination

We may terminate or suspend your access to the App at any time, with or without cause or notice. You may also terminate your account at any time by contacting us or using the account deletion feature in the App.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes through the App or via email. Continued use of the App after changes constitutes acceptance of the new Terms.

11. Contact Information

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