Terms of Service

1. Introduction

Welcome to FinSMS ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our mobile application FinSMS and any related services (collectively, the "Service").

By downloading, installing, or using FinSMS, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

2. Service Description

FinSMS is a personal finance management application that automatically tracks financial transactions by reading SMS notifications from banks and financial institutions. The Service includes:

• Automatic SMS parsing and transaction categorization
• Budget creation and management tools
• Financial analytics and reporting
• Bill tracking and payment reminders
• Expense tracking and insights

3. Eligibility

To use FinSMS, you must:

• Be at least 18 years old or have parental consent
• Have a valid mobile phone number
• Receive SMS notifications from your bank or financial institution
• Comply with all applicable laws and regulations

4. User Responsibilities

When using FinSMS, you agree to:

• Provide accurate information when using the Service
• Keep your device secure and protected
• Grant necessary permissions for SMS reading
• Use the Service only for personal, non-commercial purposes
• Not attempt to reverse engineer or modify the application
• Not use the Service for any illegal or unauthorized purpose

You are responsible for maintaining the security of your device and any data stored within the FinSMS application.

5. Data and Privacy

FinSMS is designed with privacy as a core principle:

• All financial data is stored locally on your device
• We do not upload transaction data to external servers
• SMS reading is used solely for transaction parsing
• We never access your bank accounts or banking credentials

For detailed information about our data practices, please review our Privacy Policy.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy or completeness of financial data
• Uninterrupted or error-free operation

While we strive for accuracy in transaction parsing, you should always verify financial information independently.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FINSMS BE LIABLE FOR ANY:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Financial losses due to inaccurate transaction parsing
• Damages arising from third-party services or applications

Our total liability shall not exceed the amount you paid for the Service in the twelve months preceding the claim.

8. Intellectual Property

FinSMS and all related content, features, and functionality are owned by us and protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute the application
• Reverse engineer or attempt to extract source code
• Remove or alter any proprietary notices
• Use our trademarks without permission

9. Service Availability

While we strive to maintain continuous service availability, we do not guarantee that:

• The Service will be available at all times
• All features will work on every device
• Updates will not temporarily disrupt functionality
• All bank SMS formats will be supported immediately

We reserve the right to modify, suspend, or discontinue the Service with reasonable notice.

10. Updates and Changes

We may update FinSMS periodically to add features, improve performance, or fix issues. We may also update these Terms from time to time. When we make material changes, we will:

• Notify users through the application
• Update the "Last Updated" date
• Provide reasonable notice of significant changes

Your continued use of the Service after changes constitutes acceptance of the updated Terms.

11. Termination

You may stop using FinSMS at any time by uninstalling the application. We may terminate or suspend your access if you violate these Terms. Upon termination:

• Your right to use the Service immediately ceases
• Data stored locally on your device remains under your control
• Provisions regarding liability and intellectual property survive

12. Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in Bangalore, India.

13. Contact Information

If you have questions about these Terms, please contact us: