Terms of Service

1. Acceptance of Terms

By accessing and using Costility ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Costility is a personal finance tracking application that allows users to:

• Track income and expenses across multiple wallets
• Organize transactions by categories
• Analyze spending patterns and financial data
• Manage scheduled transactions and utilities

3. User Accounts

To use our Service, you must:

• Create an account with accurate and complete information
• Maintain the security of your account credentials
• Be at least 18 years old
• Notify us immediately of any unauthorized access

4. User Responsibilities

You agree to:

• Use the Service only for lawful purposes
• Not share your account with others
• Not attempt to access other users' accounts
• Not use the Service to violate any laws or regulations
• Provide accurate financial information

5. Payment Terms

If you subscribe to premium features:

• Payments are processed securely through Stripe
• Subscriptions renew automatically unless cancelled
• Refunds are handled according to our refund policy
• You are responsible for any applicable taxes

6. Intellectual Property

The Service, including its design, features, and content, is owned by Costility and protected by intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. We take data security seriously and implement measures to protect your information. However, you are responsible for maintaining the confidentiality of your account.

8. Service Availability

We strive to provide reliable service but do not guarantee uninterrupted or error-free operation. We reserve the right to modify, suspend, or discontinue any part of the Service at any time.

9. Limitation of Liability

Costility is provided "as is" without warranties of any kind. We are not liable for any indirect, incidental, or consequential damages arising from your use of the Service. You use the Service at your own risk.

10. Termination

We may terminate or suspend your account at any time for violations of these terms. You may also delete your account at any time through the Service settings.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of material changes. Continued use of the Service after changes constitutes acceptance of the new terms.

12. Contact Information

For questions about these Terms of Service, please contact us at:

Email: hello@costility.com

Website: www.costility.com