1. Acceptance of Terms

By creating an account or using the CostCalculator application, you agree to these Terms & Conditions and the Privacy Policy.

If you do not agree with these terms, you must not use the application.

2. Eligibility

To use CostCalculator:

• you must meet the minimum legal age in your jurisdiction (at least 13 years old)
• you must provide accurate registration information
• you must maintain the security of your account credentials

3. Description of Service

CostCalculator is a personal finance tracking platform that allows users to:

• track income and expenses
• manage financial accounts
• create budgets
• track loans and deposits
• manage crypto holdings
• create reminders
• track recurring transactions
• maintain shopping lists
• store loyalty cards
• participate in gamified financial challenges
• collaborate in shared spaces

CostCalculator provides tools for organizing financial data but does not provide financial, investment, legal, or tax advice.

4. User Responsibilities

Users are responsible for:

• entering accurate financial information
• maintaining the confidentiality of login credentials
• using the app only for lawful purposes
• respecting other users in shared spaces
• managing who they invite to shared spaces

Users must not misuse the application or attempt to access unauthorized systems.

5. User Data Ownership

Users retain ownership of the financial data they enter into the application.

By using the app, users grant CostCalculator permission to store and process that data in order to provide the service.

6. Shared Spaces

CostCalculator allows collaborative shared spaces.

Users are responsible for:

• deciding whom to invite
• determining what financial data is shared
• managing permissions within the space

CostCalculator is not responsible for how other users access or interpret shared information.

7. Financial Disclaimer

CostCalculator is a financial tracking tool and does not provide financial advice.

All financial data, calculations, reports, and analytics provided by the app are for informational purposes only.

Users are solely responsible for financial decisions made using information from the application.

CostCalculator does not guarantee the accuracy of exchange rates, crypto values, or calculations.

8. Limitation of Liability

To the maximum extent permitted by law, CostCalculator and its owners, developers, partners, and affiliates shall not be liable for any damages arising from the use of the application.

This includes but is not limited to:

• financial losses
• incorrect calculations
• inaccurate financial reports
• investment decisions
• service interruptions
• loss of stored data

Users acknowledge that they use the application at their own risk.

9. Service Availability

CostCalculator is provided on an “as-is” and “as-available” basis.

We do not guarantee that the application will always be:

• uninterrupted
• error-free
• secure
• available at all times

10. Account Termination

Users may delete their account at any time through the application settings.

We may suspend or terminate accounts that:

• violate these Terms
• misuse the service
• engage in illegal activities

Upon termination, access to the service may be revoked and data may be deleted.

11. Intellectual Property

The CostCalculator application, brand, logo, software, and design are the intellectual property of CostCalculator.

Users may not copy, reproduce, distribute, or modify the application without permission.

12. Third-Party Platforms

CostCalculator may be distributed via:

• Apple App Store
• Google Play Store

Additional platform terms may apply when downloading or purchasing through those platforms.

13. Changes to the Terms

We may update these Terms from time to time.

Updated terms will be published within the application or on our website.

Continued use of the application after changes indicates acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction where the service operator is established.

15. Contact

For questions regarding these Terms:

Email: info@costcalculator.app
Website: https://costcalculator.app