Terms of Service

Last updated: October 2026

Acceptance of Terms

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

Description of Service

PersonalFinance is a personal finance management tool that allows you to track budgets, monitor net worth, set savings goals, and analyze your financial data. The Service may include integration with third-party services such as Google Drive.

Account Responsibilities

  • You are responsible for maintaining the confidentiality of your account credentials
  • You are responsible for all activity under your account
  • You must notify us immediately of any unauthorized use
  • You must be at least 16 years old to create an account
  • You may not create more than one personal account

Acceptable Use

You agree not to:

  • Use the Service for any illegal purpose
  • Violate any applicable laws or regulations
  • Attempt to gain unauthorized access to the Service or other user accounts
  • Interfere with the proper working of the Service
  • Use automated means to access the Service without permission

Your Data

The financial data you enter into the Service is your data. You retain all rights to your data. We process it solely to provide the Service to you. You can export or delete your data at any time.

Intellectual Property

The Service, including its design, code, and branding, is owned by PersonalFinance and protected by intellectual property laws. Your content (financial data, community posts) remains yours, but you grant us a license to store and display it for the purpose of providing the Service.

Limitation of Liability

The Service is provided "as is" without warranties of any kind. We do not guarantee that the Service will be uninterrupted, secure, or error-free. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

Important: See our Financial Disclaimer for details about financial advice.

Termination

We may suspend or terminate your account if you violate these terms. You may delete your account at any time, which will soft-delete your data. See our Privacy Policy for data retention details.

Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes. Your continued use of the Service after changes constitutes acceptance of the updated terms.

Contact

For questions about these Terms, please contact us via our Contact page.