Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Meliora Nexa personal finance application (the “Service”), operated by [Your registered legal entity name]. By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

You must be at least 16 years old and able to form a binding contract to use the Service. You are responsible for maintaining the security of the Google account you use to sign in and for all activity that occurs under your account. Notify us promptly at [your-support-email@example.com]if you suspect unauthorized access.

The Service is a record-keeping and planning tool, not a financial advisor.

Balances, currency conversions, reconciliations, forecasts, and “safe to spend” figures are informational estimates generated from data you provide and from third-party exchange rates. They may be incomplete, delayed, or inaccurate. Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice. You are solely responsible for your financial decisions, and we recommend verifying important figures against your bank’s official records and consulting a qualified professional.

Exchange rates are sourced from third-party providers, may be cached, and may not reflect the rate your bank or card issuer applies to a real transaction.

You retain all rights to the financial data and content you enter into the Service. You grant us a limited licence to store, process, and display that content solely to operate and provide the Service to you. You are responsible for the accuracy and legality of the content you submit.

The Service offers optional integrations, including read-only Gmail access for detecting transactions. Enabling an integration is entirely your choice, is governed by our Privacy Policy, and can be revoked at any time. Automated transaction detection may miss transactions or misread details; you are responsible for reviewing suggested entries before accepting them.

Certain features may be offered as part of a paid plan. Pricing, billing frequency, and included features will be presented to you before you subscribe. Unless stated otherwise, subscriptions renew automatically until cancelled, and cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except where required by law. We may change pricing with reasonable advance notice.

You agree not to:

• Use the Service for any unlawful purpose or to store unlawfully obtained data.
• Attempt to access another user’s account or data without authorization.
• Probe, scan, disrupt, overload, or reverse-engineer the Service or its security controls.
• Resell or redistribute the Service without our written permission.
• Upload malware or content that infringes the rights of others.

We aim to keep the Service available and reliable, but it is provided on an “as is” and “as available” basis. We may modify, suspend, or discontinue features at any time. We are not liable for downtime, maintenance windows, or failures of third-party providers.

Keep your own records. Do not rely on the Service as your sole copy of important financial information.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Service will be uninterrupted, error-free, or that calculations will be accurate or complete.

To the fullest extent permitted by law, [Your registered legal entity name] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or financial opportunity, arising from your use of — or inability to use — the Service. Our total aggregate liability arising out of these Terms shall not exceed the greater of the amount you paid us in the twelve months preceding the claim, or USD 50.

You may stop using the Service and request account deletion at any time by contacting [your-support-email@example.com]. We may suspend or terminate your access if you materially breach these Terms or if required by law. On termination, your right to use the Service ends, and we will handle your data as described in our Privacy Policy.

We may update these Terms from time to time. Material changes will be reflected by the “Last updated” date above and, where appropriate, notified in the app. Continuing to use the Service after changes take effect means you accept the revised Terms.

These Terms are governed by the laws of [Your governing jurisdiction, e.g. the Republic of the Philippines], without regard to its conflict of law rules. Disputes shall be subject to the exclusive jurisdiction of the courts located there.

Questions about these Terms? Contact [Your registered legal entity name] at [your-support-email@example.com].