Welcome to My Financial Notes.
These Terms & Conditions ("Terms") govern your access to and use of My Financial Notes ("the App", "we", "our", or "us"). By downloading, installing, accessing, or using the App, you agree to be bound by these Terms.
If you do not agree with these Terms, you should not use the App.
My Financial Notes is a personal finance application designed to help users record, organize, review, and better understand their financial activities.
The App may include features such as transaction recording, income and expense tracking, account tracking, budget planning, recurring transactions, reports, merchant recognition, location tagging, voice input, premium features, and automated financial insights.
The App is intended for personal financial record-keeping and informational purposes.
You may use the App to manage your own financial notes, transactions, budgets, and reports.
You agree not to misuse the App, attempt to disrupt its functionality, reverse engineer the App, or use it for unlawful purposes.
My Financial Notes does not provide financial advice, investment advice, accounting advice, tax advice, legal advice, or any other professional advice.
Any information, report, calculation, chart, recommendation, budget suggestion, category suggestion, or automated insight generated by the App is provided for informational purposes only.
You are solely responsible for evaluating the information and making your own financial decisions.
You should consult qualified professionals before making financial, investment, tax, accounting, or legal decisions.
You are responsible for:
We are not responsible for errors caused by incorrect, incomplete, outdated, or inaccurate information entered by you.
The App may allow you to manually enter financial records, including income, expenses, transfers, account balances, budgets, categories, notes, and merchant information.
The App does not directly access your bank account unless a future feature clearly states otherwise and requires your explicit permission.
The App cannot initiate payments, transfer funds, withdraw money, deposit money, or perform banking transactions on your behalf.
The App may include AI-assisted or automated features, including but not limited to category suggestions, budget recommendations, merchant recognition, spending summaries, and financial insights.
These features may not always be accurate, complete, current, or suitable for your personal situation.
You agree that automated suggestions are not professional advice and should be reviewed carefully before being relied upon.
The App may include optional location and voice input features.
Location features may help tag transactions or identify merchant locations.
Voice input may help create transactions or notes using speech recognition services.
You are responsible for granting or denying permissions through your device settings.
Some features of the App may require a paid subscription or premium access.
Subscriptions are purchased and managed through the Apple App Store.
Billing, renewal, cancellation, refund requests, and payment processing are handled by Apple according to Apple's terms and policies.
Subscriptions may automatically renew unless canceled through your Apple account settings before the renewal date.
We do not control Apple's billing system and are not responsible for Apple's payment processing decisions.
The App may offer free trials, promotional access, or limited-time premium access.
The availability, duration, and conditions of free trials or promotions may change at any time.
If a subscription begins after a free trial, billing will be handled by Apple according to App Store policies.
The App is designed with a local-first approach, meaning most data may be stored locally on your device.
You are responsible for maintaining backups of your data.
If you delete the App, reset your device, lose your device, or experience device failure, your data may be permanently lost unless you have created a backup.
Backup, restore, export, or cloud features may be provided, but we do not guarantee that data loss will never occur.
To the fullest extent permitted by law, we are not responsible for any loss of data, corrupted data, missing records, inaccurate reports, failed backups, failed restores, device failure, software issues, or user error.
You should regularly review and back up important financial information.
We may update, modify, suspend, discontinue, or remove features of the App at any time.
We do not guarantee that the App will always be available, error-free, uninterrupted, compatible with all devices, or free from defects.
Some features may depend on third-party services, device permissions, operating system availability, internet access, or App Store services.
The App may rely on third-party or platform services, including but not limited to:
Your use of third-party services may be subject to their own terms and privacy policies.
We are not responsible for the availability, accuracy, policies, or performance of third-party services.
The App, including its design, branding, logo, interface, graphics, software, text, and related content, is owned by us or licensed to us and is protected by applicable intellectual property laws.
You may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, or create derivative works based on the App unless permitted by law or authorized by us in writing.
You agree not to:
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages.
This includes, but is not limited to, loss of data, loss of profits, financial loss, business interruption, inaccurate reports, incorrect recommendations, or decisions made based on information provided by the App.
Your use of the App is at your own risk.
The App is provided on an "as is" and "as available" basis.
We make no warranties or guarantees that the App will meet your expectations, be error-free, be uninterrupted, be secure, or produce accurate financial results.
We may suspend or terminate access to certain features if we believe that you have violated these Terms, misused the App, or engaged in unlawful activity.
You may stop using the App at any time.
We may update these Terms from time to time.
Updated Terms may be made available within the App, on our website, or through another appropriate method.
Continued use of the App after changes are made means you accept the updated Terms.
These Terms shall be interpreted in accordance with applicable laws in the jurisdiction where the App operator conducts business, unless otherwise required by applicable consumer protection laws.
If you have questions about these Terms, please contact us at:
synera@myfinancialnotes.app