These Terms of Service ("Terms") govern your use of Savings Goal Tracker ("we", "our", or "the App"). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

1. Eligibility

The App is intended for users aged 18 and older. By using the App, you confirm that you meet this age requirement.

2. Description of Service

Savings Goal Tracker is a personal finance tracking tool that allows you to set savings goals, record transactions, and monitor your progress. The App is provided for informational and personal tracking purposes only. It does not constitute financial, investment, or professional advice of any kind.

3. One-Time Purchase and Payments

The App offers an optional one-time purchase through the Apple App Store that permanently removes advertisements. All other App features are available without purchase and without usage limits.

• Payment is processed entirely by Apple. We do not collect or store your payment information.
• The purchase is not a subscription and does not renew automatically.
• Refunds are subject to Apple's refund policies.

4. User Data and Responsibility

All financial data within the App is created, entered, and managed by you. You are solely responsible for the accuracy and completeness of your data. We do not verify, validate, or guarantee the accuracy of any information you enter.

5. Data Loss Disclaimer

We shall not be liable for any data loss, corruption, or damage that may occur during local storage, import, export, or any other data operation within the App. This includes losses caused by software bugs or device malfunctions.

It is your responsibility to maintain independent copies of any important data. We recommend regularly exporting your data as a local backup.

6. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the App will be uninterrupted, error-free, secure, or free of bugs.

7. Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, or financial losses arising from your use of or inability to use the App.

8. Third-Party Services

The App integrates third-party services including Google AdMob and the Apple App Store. Your use of these services is subject to their respective terms and policies. We are not responsible for the practices, availability, or content of any third-party services.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the App after changes constitutes acceptance of the updated Terms.

10. Contact Us

If you have any questions about these Terms, please contact us at [email protected].