Terms and Conditions

1. Agreement

These Terms govern your access to Save Your Money ("Service"), operated by Skivelane. By using the Service, you agree to these Terms and our Privacy Policy.

2. Service Description

Save Your Money helps you track savings habits and set goals. The app is offline-first, and you can use it without registering an account. If you choose to register, your data is synced to our backend so it can be accessed across devices.

3. No Financial Advice

The Service provides educational and tracking tools only. We do not provide financial, legal, or tax advice. You are responsible for your financial decisions.

4. No Custody or Transfers

We do not hold, move, or transfer money on your behalf. We do not have access to your bank accounts unless you explicitly connect third-party services, and we are not responsible for third-party services.

5. User Responsibilities

• Use the Service lawfully and responsibly
• Provide accurate information you choose to store
• Keep your device and account credentials secure

6. Fraud, Scams, and Misuse

We are not responsible for fraudulent activity, scams, or losses arising from misuse of the Service or third-party services. Use caution with any financial decision or external service.

7. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind. We do not guarantee uninterrupted or error-free service.

8. Limitation of Liability

To the maximum extent permitted by law, Skivelane and Save Your Money will not be liable for indirect, incidental, special, consequential, or punitive damages.

9. Termination

You may delete your account at any time. We may suspend access if required to comply with law or protect the Service.

10. Contact

Questions about these Terms? Contact us at [email protected].