Draft — not yet in effect. These terms are a working draft and have not been reviewed by legal counsel. They are provided for transparency only and are subject to change before this service launches publicly.

1. Acceptance of terms

By creating an account and using My Safe-To-Spend, you agree to be bound by these terms. If you do not agree, do not use the service.

2. Description of service

My Safe-To-Spend is a manual cash-flow management tool that helps households track their income, expenses, and available spending balance. The service does not connect to bank accounts or financial institutions. All data is entered manually by the user.

3. Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account.

4. Acceptable use

You agree to use My Safe-To-Spend only for lawful personal or household financial tracking purposes. You may not use the service to store false information, attempt to gain unauthorized access to other accounts, or interfere with the operation of the service.

5. Data and privacy

We store only the information you provide: your name, email address, and the financial data you enter. We do not sell your data. We do not connect to your bank. See our Privacy Policy for full details.

6. Subscriptions and billing

After your free trial period, continued access to My Safe-To-Spend requires a paid subscription. Subscription fees are charged in advance on a monthly or annual basis. You may cancel at any time. Refunds are not provided for partial billing periods.

7. Trial period

New accounts receive a 30-day free trial with full access to all features. No credit card is required to start a trial. After the trial ends, your account will be paused until a subscription is activated. Your data is preserved for 180 days after your trial ends.

8. Termination

You may delete your account at any time by contacting us. We reserve the right to suspend or terminate accounts that violate these terms. Upon termination, your data will be deleted in accordance with our data retention policy.

9. Disclaimer of warranties

My Safe-To-Spend is provided "as is" without warranties of any kind. We do not guarantee the accuracy of Safe-To-Spend calculations or that the service will be available without interruption. The service is a tool to assist with personal financial awareness and is not a substitute for professional financial advice.

10. Limitation of liability

To the maximum extent permitted by law, My Safe-To-Spend and its operators shall not be liable for any indirect, incidental, or consequential damages arising from your use of the service, including any financial decisions made based on information displayed in the app.

11. Changes to these terms

We may update these terms from time to time. We will notify users of material changes by email. Continued use of the service after changes are posted constitutes acceptance of the updated terms.

12. Contact

Questions about these terms can be directed to us through the contact information provided on our website.