Terms of Service

1. Acceptance of Terms

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

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the updated Terms. We will notify registered users of material changes via email.

2. Description of Service

MyPB is a web-based personal budgeting application that allows you to create budgets, track transactions, manage accounts, set category goals, track net worth, and generate financial reports. The Service does not link to bank accounts or access financial institutions on your behalf.

3. Account Registration

To use the Service, you must create an account by providing your name, email address, and a password. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your password
• Accept responsibility for all activity under your account
• Notify us immediately of any unauthorized use of your account

You must be at least 16 years old to create an account.

4. Early Access & Pricing

During the early access period, the Service is provided free of charge with all features unlocked. Early access users ("Early Adopters") will receive preferential pricing when paid plans are introduced:

• Early Adopters receive 3 months of free access from their registration date
• After the free period, Early Adopters may continue at a discounted rate that is locked in for the lifetime of their account
• We will provide at least 30 days' notice before any charges begin
• You may cancel at any time before charges begin with no obligation

Future pricing, including the introduction of free and paid tiers, will be communicated in advance. We reserve the right to change pricing for new users, but existing Early Adopter rates will be honoured as described.

5. User Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Service, you consent to the practices described in the Privacy Policy.

You retain ownership of all data you enter into the Service (budgets, transactions, categories, account names, etc.). We do not claim any intellectual property rights over your content.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service's infrastructure
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated tools (bots, scrapers) to access the Service
• Share your account credentials with others
• Create multiple accounts to circumvent plan limitations

7. Budget Sharing

The Service allows you to share budgets with other registered users. When you share a budget:

• You control the permission level (full access or read-only)
• You can revoke access at any time
• Shared users can view and (if permitted) modify budget data
• You remain responsible for the content of budgets you own

8. Data Export & Account Deletion

You may request deletion of your account and all associated data at any time by contacting us. Upon deletion:

• All your personal data will be permanently removed
• Budgets you own will be deleted, including shared access for other users
• This action is irreversible

9. Service Availability

We strive to maintain the Service's 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 downtime.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. MyPB is a budgeting tool and does not provide financial, investment, tax, or legal advice. You are solely responsible for your financial decisions.

11. Limitation of Liability

To the maximum extent permitted by law, MyPB and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, profits, or financial losses arising from your use of the Service.

Our total liability for any claim arising from these Terms or your use of the Service shall not exceed the amount you have paid us in the 12 months preceding the claim, or $50, whichever is greater.

12. Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in conduct that we determine is harmful to the Service or other users. We will make reasonable efforts to notify you before taking such action, except in cases of severe or repeated violations.

You may terminate your account at any time by requesting account deletion.

13. Changes to the Service

We may modify, suspend, or discontinue any part of the Service at any time. If we make changes that materially reduce the functionality available to you, we will provide reasonable notice. Free tier features are subject to change; paid features committed at the time of your subscription will be maintained for the duration of your active plan.

14. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising from these Terms or your use of the Service will be resolved through good-faith negotiation before pursuing other remedies.

15. Contact

If you have questions about these Terms, please contact us through the support feature within the application or by emailing the address listed on your account dashboard.