Terms of Service for Peak Budget
Effective Date: Jan 1, 2025
Welcome to Peak Budget. By accessing or using our app, website, or services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
1. Acceptance of Terms
By creating an account, accessing, or using Peak Budget, you confirm that you:
- Are at least 18 years old or the legal age of majority in your jurisdiction.
- Have read, understood, and agree to these Terms.
2. Description of Services
Peak Budget is a budgeting and financial planning tool that helps users set financial goals, track expenses, and manage their finances. The app is intended for personal use only and not for commercial purposes.
3. User Responsibilities
You agree to:
- Provide accurate and complete information during registration and while using the app.
- Maintain the confidentiality of your account credentials.
- Use the app only for lawful purposes and in compliance with applicable laws and regulations.
You may not:
- Share your account with others or allow unauthorized access.
- Use the app to store illegal, fraudulent, or harmful content.
- Attempt to disrupt or harm the app’s functionality or security.
4. Subscription and Fees
Some features of Peak Budget may require a subscription or payment. By subscribing:
- You agree to pay the stated fees, which are non-refundable unless required by law.
- You authorize us to charge your payment method for recurring subscription fees unless canceled.
You may cancel your subscription at any time by visiting your account settings.
5. Privacy Policy
Your use of the app is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
6. Intellectual Property
All content and materials provided in Peak Budget, including text, graphics, logos, and software, are the property of Peak Budget or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the app for personal purposes.
You may not:
- Copy, modify, distribute, or sell any part of the app without our prior consent.
- Reverse-engineer, decompile, or create derivative works from the app.
7. Disclaimers and Limitations of Liability
- Peak Budget is provided "as is" without warranties of any kind, including implied warranties of merchantability or fitness for a particular purpose.
- We do not guarantee the accuracy, reliability, or completeness of the app’s features or data.
- To the fullest extent permitted by law, Peak Budget and its affiliates, licensors, and service providers will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the app, even if advised of the possibility of such damages.
8. Indemnification
You agree to indemnify, defend, and hold harmless Peak Budget, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:
- Your use of the app.
- Your violation of these Terms.
- Your violation of any applicable laws or third-party rights.
9. Termination
We reserve the right to suspend or terminate your account and access to the app at any time, with or without notice, if you:
- Violate these Terms.
- Engage in fraudulent, abusive, or harmful behavior.
- Discontinue the app or specific features.
Upon termination, your right to use the app will immediately cease.
10. Modifications to the Terms
We may update these Terms from time to time. When we make significant changes, we will notify you via email or in-app notifications. Continued use of the app after changes are posted constitutes your acceptance of the updated Terms.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the Province of Ontario, Canada. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts in the Province of Ontario, Canada.
12. Contact Information
If you have any questions about these Terms, please contact us:
- Email: support@peakbudget.com
13. Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Peak Budget regarding your use of the app and supersede any prior agreements or understandings.