Terms of Service

1. Acceptance of Terms

By accessing and using Pebbles ("the App"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use the App.

2. Description of Service

Pebbles is a personal finance application that helps you track expenses, manage budgets, and monitor financial accounts. The App provides tools for:

• Recording and categorizing transactions
• Creating and managing budgets
• Tracking multiple financial accounts
• Generating financial reports and insights
• AI-powered financial assistance (for authenticated users)

3. User Accounts

While the App can be used without an account, certain features require authentication:

• You may create an account using email/password, Google Sign-In, or Apple Sign-In
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account

4. User Data and Privacy

Your financial data is stored locally on your device. When you create an account:

• We collect minimal personal information (email, name, profile photo)
• Your financial transaction data remains on your device
• We do not sell or share your personal information with third parties
• Please refer to our Privacy Policy for detailed information

5. AI-Powered Features

Authenticated users have access to AI-powered financial assistance:

• AI features are subject to daily usage limits
• AI-generated suggestions are for informational purposes only
• We are not responsible for financial decisions made based on AI suggestions
• AI responses may not always be accurate or suitable for your situation

6. Acceptable Use

You agree not to:

• Use the App for any illegal purposes
• Attempt to gain unauthorized access to any part of the App
• Interfere with or disrupt the App's functionality
• Use the App to transmit malicious code or harmful content
• Abuse or circumvent usage limits and rate limiting

7. Intellectual Property

The App and its original content, features, and functionality are owned by Pebbles and are protected by international copyright, trademark, and other intellectual property laws.

8. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The App will function uninterrupted or error-free
• Defects will be corrected
• The App is free of viruses or harmful components
• Results obtained from using the App will be accurate or reliable

9. Limitation of Liability

IN NO EVENT SHALL PEBBLES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE APP, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES OR DATA LOSS.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by updating the "Last Updated" date. Your continued use of the App after changes constitutes acceptance of the modified terms.

11. Termination

We reserve the right to terminate or suspend your account and access to the App at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of your jurisdiction, without regard to its conflict of law provisions.