Terms of Service

1. Introduction

Welcome to Zippy Budget. These Terms of Service govern your use of our website and mobile application. Please read these terms carefully before using our services.

1.1 Acceptance of Terms

By accessing or using Zippy Budget, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of our service. If you disagree with any part of the terms, you may not access or use the service.

1.2 Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any significant changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the service after any such changes constitutes your acceptance of the new Terms.

2. Use of Service

2.1 Description of Service

Zippy Budget provides a personal budgeting and expense tracking service. Our service allows users to create budgets, track expenses, set financial goals, and generate reports. We reserve the right to modify, suspend, or discontinue the service at any time without notice.

2.2 Eligibility

You must be at least 18 years old to use this service. By using the service, you represent and warrant that you have the right, authority, and capacity to enter into these Terms and to abide by all of the terms and conditions set forth herein.

2.3 User Accounts

You are responsible for safeguarding the password that you use to access the service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

2.4 Prohibited Uses

You may not use the service for any illegal or unauthorized purpose. You must not, in the use of the service, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not:

  • Upload or transmit viruses or any other type of malicious code
  • Interfere with or disrupt the integrity or performance of the service
  • Attempt to gain unauthorized access to the service, other accounts, or computer systems
  • Harass, abuse, or harm another person
  • Use our service for any illegal or unauthorized purpose
  • Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity

3. Content and Intellectual Property

3.1 User Content

You retain all rights to any content you submit, post or display on or through the service ("User Content"). By submitting, posting or displaying User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute such content in connection with the service and for the purpose of providing and promoting our service.

3.2 Intellectual Property

The service and its original content (excluding User Content), features, and functionality are and will remain the exclusive property of Zippy Budget and its licensors. The service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Zippy Budget.

4. Privacy and Data Protection

4.1 Privacy Policy

Your use of Zippy Budget is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and share your information.

4.2 Data Security

We implement reasonable security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Subscription and Payments

5.1 Fees

Some features of the service may be offered on a subscription basis. You agree to pay the fees for any subscription services you choose to use. We reserve the right to change our fees at any time upon reasonable notice.

5.2 Cancellation and Refunds

To cancel your subscription, you must contact our support team at support@zippybudget.com. Upon cancellation, you will immediately lose access to unlimited features. Refunds are governed by our Refund Policy, which is incorporated into these Terms by reference.

6. Limitation of Liability

6.1 Disclaimer of Warranties

The service is provided on an "as is" and "as available" basis. Zippy Budget makes no representations or warranties of any kind, express or implied, as to the operation of the service or the information, content, materials, or products included on the service.

6.2 Limitation of Liability

In no event shall Zippy Budget, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the service.

7. Termination

7.1 Termination by Zippy Budget

We may terminate or suspend access to our service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

7.2 Termination by User

You may terminate these Terms at any time by discontinuing use of the service and closing your account.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

9. Contact Us

If you have any questions about these Terms, please contact us at terms@zippybudget.com.

Last Updated: 9/1/2024