Terms of Use

1. Agreement to Terms

By using YourDigits ("the App," "our Service"), you agree to these Terms of Use. If you disagree with any part, please don't use the app. These Terms are a legally binding agreement between you and YourDigits.

2. Description of Service

YourDigits is a voice-first personal finance app that helps you:

• Track income and expenses using voice or manual entry
• Build and manage budgets aligned with your pay cycle
• Track your financial health and identify areas the app flags as leaks
• Get personalized tasks based on your financial health
• View spending insights and account balances

3. User Accounts

When you create an account:

• Provide accurate information
• Keep your account secure (use a strong password, enable biometric lock)
• One account per person
• You're responsible for all activity on your account

4. Your Data

You own your financial data. Here's how it works:

• Your data stays yours - We don't claim ownership of your transactions, budgets, or any content you create
• Accuracy is your responsibility - You enter and verify your own data
• No bank connections - We don't sync with your bank, so your data is as accurate as what you enter
• Export anytime - Premium subscribers can export their data in CSV or PDF format
• Delete anytime - You can delete your account and all data

For details on how we protect your data, see our Privacy Policy.

5. Acceptable Use

Please don't:

• Use the app for illegal activities or fraud
• Try to hack, reverse-engineer, or disrupt the service
• Share your account with others
• Create fake accounts or impersonate others
• Use automated tools to access the app (bots, scrapers)
• Attempt to access other users' data

6. Subscriptions and Payments

About subscriptions:

• Free features - Manual and voice transaction entry, account tracking, and the spending dashboard are free with usage limits
• Premium features - Available via subscription (pricing shown in app)
• Auto-renewal - Subscriptions renew automatically unless cancelled
• Cancel anytime - Manage subscriptions in your device settings
• Refunds - Handled by Apple per their App Store policies

We use RevenueCat and the Apple App Store to handle payments. We never see your payment card details.

7. Intellectual Property

Here's what you can and can't do:

• You can use the app - We give you permission to access and use YourDigits for personal, non-commercial use
• We own the app - Our code, design, branding, and content belong to us
• You own your data - Your transactions and financial information belong to you
• No copying - You can't copy, distribute, or sell any part of our app

8. Disclaimers

We do our best, but please understand:

• Not financial advice - YourDigits is a budgeting and tracking tool. It is not a registered investment advisor, broker, financial planner, or tax advisor. No feature in the app (including the health score, leak detection, budget suggestions, or task recommendations) constitutes professional financial advice
• No outcome guarantees - We do not guarantee that using YourDigits will improve your financial situation. Results depend entirely on your own financial decisions
• Data accuracy - Your data is only as accurate as what you enter. We do not verify transactions against bank records
• Calculations are informational - Health scores, spending pace alerts, and budget suggestions are based on your self-reported data and general heuristics, not on a professional analysis of your financial circumstances
• No guarantees of service - The app is provided "as is" without perfect service guarantees
• Technical issues happen - Servers, internet, and devices can have problems
• Voice transcription - May not be 100% accurate; always review transactions before confirming

9. Limitation of Liability

To the extent permitted by law:

• Limited liability - Our responsibility is limited to what you paid us (if anything)
• No indirect damages - We're not responsible for lost profits, missed opportunities, or other indirect effects
• Your decisions - Financial decisions you make based on app data are your responsibility

This doesn't affect your consumer rights where prohibited by local law.

10. Account Termination

About ending your account:

• By you - Delete your account anytime in Settings (permanent)
• By us - We may suspend accounts that violate these terms
• Service changes - We may update or discontinue features with notice

11. Governing Law

These terms are governed by Australian law, since that's where YourDigits operates from.

Any legal disputes will be handled in Australian courts, but this doesn't affect your consumer rights in your own country.

12. Dispute Resolution

If you have a problem:

• Talk to us first - Email support@yourdigits.app to resolve issues
• We'll work with you - Most problems can be solved through friendly discussion
• Mediation option - If needed, we can use an independent mediator

This doesn't prevent you from using small claims court or consumer protection agencies in your area.

13. Contact Us

Questions about these terms? Contact us:

• Email: support@yourdigits.app
• In-app: Use the Email Support option in the menu

14. Changes to Terms

We may update these terms occasionally. We'll let you know about important changes through the app or email. Continued use means you accept the updated terms.