Terms of Service

Last Updated: January 2025

Welcome to SavrPay. These Terms of Service ("Terms") govern your use of our personal finance management application and services. By using SavrPay, you agree to be bound by these Terms and our Privacy Policy.

Important: Please read these Terms carefully before using SavrPay. If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By accessing or using SavrPay, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using SavrPay on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Service

SavrPay is a personal finance management application that provides:

3. User Accounts and Registration

3.1 Account Creation

To access certain features of SavrPay, you may need to create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Account Termination

You may terminate your account at any time by contacting us. We may terminate or suspend your account if you violate these Terms or for any other reason at our sole discretion.

4. Acceptable Use

4.1 Permitted Use

You may use SavrPay for personal, non-commercial purposes in accordance with these Terms and applicable laws.

4.2 Prohibited Activities

You agree not to:

5. Financial Information and Data

5.1 Data Accuracy

You are responsible for the accuracy and completeness of all financial information you enter into SavrPay. We do not verify the accuracy of your financial data and are not responsible for any errors or omissions.

5.2 Data Ownership

You retain ownership of all financial data you enter into SavrPay. We do not claim ownership of your personal financial information.

5.3 Data Backup

While we provide backup and export features, you are responsible for maintaining your own backups of important financial data. We recommend regularly exporting your data.

6. Premium Features and Subscriptions

6.1 Premium Services

SavrPay offers both free and premium features. Premium features include:

6.2 Subscription Terms

Premium subscriptions are billed on a recurring basis (monthly or yearly) or as a one-time purchase. You may cancel your subscription at any time through your app store account settings.

6.3 Refunds

Refund policies are governed by the respective app stores (Apple App Store, Google Play Store). We do not provide direct refunds for app store purchases.

7. Intellectual Property

7.1 Our Rights

SavrPay and its content, features, and functionality are owned by us and are protected by copyright, trademark, and other intellectual property laws.

7.2 Your Rights

You retain ownership of your financial data and any content you create using SavrPay. You grant us a limited license to use your data solely to provide our services.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Disclaimers and Limitations

9.1 Service Availability

We strive to provide reliable service but cannot guarantee that SavrPay will be available at all times. We may modify, suspend, or discontinue any part of our service at any time.

9.2 Financial Advice

SavrPay is a financial management tool and does not provide financial, investment, or tax advice. You should consult with qualified professionals for such advice.

9.3 Data Loss

While we implement security measures, we cannot guarantee that your data will never be lost, corrupted, or accessed by unauthorized parties. You should maintain your own backups.

9.4 Limitation of Liability

To the maximum extent permitted by law, SavrPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

10. Indemnification

You agree to indemnify and hold harmless SavrPay and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

11. Third-Party Services

SavrPay integrates with third-party services such as Google Sign-In, Google Drive, and payment processors. Your use of these services is subject to their respective terms of service and privacy policies.

12. Governing Law and Disputes

12.1 Governing Law

These Terms are governed by the laws of the jurisdiction in which SavrPay operates, without regard to conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from these Terms or your use of SavrPay shall be resolved through binding arbitration in accordance with applicable law.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of SavrPay after such changes constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SavrPay regarding your use of our services.

16. Contact Information

For questions about these Terms of Service, please contact us:

These Terms of Service are effective as of January 2025 and apply to all users of SavrPay across all platforms and services.