Terms of Service

1. Acceptance of Terms

Welcome to Balance ("Balance", "we", "our", or "us").

By accessing or using the Balance mobile application, website, and related services, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use Balance.

2. Description of Service

Balance is a personal finance and expense tracking application that helps users:

• Track expenses and income
• Manage accounts and balances
• Monitor recurring bills
• Analyze spending patterns
• Organize financial records

Balance is intended for personal financial management purposes only.

3. Eligibility

You must be at least 13 years old to use Balance. By using the service, you represent that you meet this requirement and have the legal capacity to enter into these Terms.

4. User Accounts

To access certain features, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account
• Protecting your login credentials
• All activities that occur under your account

You agree to provide accurate and up-to-date information.

5. User Content

You retain ownership of any information you submit to Balance, including expenses, income records, account balances, notes, attachments, receipts, and financial data.

You grant Balance a limited license to store, process, and display your data solely for providing the service.

6. Acceptable Use

You agree not to:

• Use the service for unlawful purposes
• Attempt unauthorized access to systems
• Interfere with service operations
• Upload malicious software or harmful content
• Reverse engineer the application
• Abuse or exploit platform vulnerabilities

We reserve the right to suspend or terminate accounts that violate these Terms.

7. Financial Information Disclaimer

Balance is a financial tracking tool only. Balance does not provide:

• Financial advice
• Investment advice
• Tax advice
• Legal advice
• Accounting services

Any information, analytics, reports, or insights provided by Balance are for informational purposes only. You remain solely responsible for your financial decisions.

8. Data Accuracy

Balance relies on information entered by users. We do not guarantee:

• Accuracy of user-entered information
• Completeness of records
• Financial calculations based on incorrect inputs

Users are responsible for reviewing and verifying their data.

9. Third-Party Services

Balance may integrate with third-party providers, including:

• Google Sign-In
• Apple Sign-In
• Cloud hosting providers
• Analytics providers
• Crash reporting services

Use of third-party services may be subject to their own terms and privacy policies.

10. Intellectual Property

The Balance application, website, branding, logos, software, and content are owned by Balance or its licensors. You may not copy, distribute, modify, reproduce, or sell any portion of the service without prior written permission.

11. Service Availability

We strive to provide reliable service but do not guarantee uninterrupted availability. Balance may experience maintenance periods, service interruptions, technical issues, or feature modifications. We reserve the right to modify, suspend, or discontinue features at any time.

12. Limitation of Liability

To the maximum extent permitted by law, Balance and its owners, employees, affiliates, and partners shall not be liable for indirect damages, consequential damages, loss of profits, loss of data, financial losses, or business interruptions arising from use of the service.

Your use of Balance is at your own risk.

13. Disclaimer of Warranties

Balance is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties regarding accuracy, reliability, availability, security, or suitability for any particular purpose.

14. Termination

We may suspend or terminate access to the service if these Terms are violated, fraudulent activity is detected, or use of the service creates legal or security risks. Users may stop using the service at any time.

15. Account Deletion

Users may request account deletion through the application or by contacting support. Upon deletion:

• Access to the account will be removed
• Personal data will be deleted in accordance with our Privacy Policy
• Certain information may be retained where required by law

16. Changes to These Terms

We may update these Terms from time to time. Updated versions will be posted on our website with a revised "Last Updated" date. Continued use of Balance after updates constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed and interpreted in accordance with the laws of India, without regard to conflict of law principles.

18. Contact Information

For questions regarding these Terms, contact:

Balance - Expense Tracker & Money Manager

Website: balanceapp.in

Email: support@balanceapp.in

By using Balance, you acknowledge that you have read, understood, and agreed to these Terms of Service.