Terms of Service

1. Acceptance of Terms

By accessing or using PlanPan ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you and PlanPan regarding your use of our financial planning application and related services.

2. Description of Service

PlanPan is a comprehensive financial planning platform that provides:

• Financial Tracking: Monitor your income, expenses, and financial transactions
• Budget Management: Create and manage budgets across different spending categories
• Wallet Management: Track multiple accounts including savings, credit cards, cash, e-wallets, and investments
• Scheduled Transactions: Automate recurring financial activities
• Financial Analytics: Generate insights, reports, and forecasts about your financial health
• Multi-platform Access: Available on web and mobile platforms

3. User Responsibilities

3.1 Account Management

• You are responsible for maintaining the confidentiality of your account credentials
• You must provide accurate and complete information when creating your account
• You must promptly update your account information if it changes
• You are responsible for all activities that occur under your account

3.2 Data Accuracy

• You are responsible for the accuracy of all financial data you enter into the Service
• You must regularly review and verify your financial information
• You acknowledge that inaccurate data may lead to incorrect financial insights and recommendations

3.3 Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Upload malicious code or attempt to compromise the Service
• Use the Service for any fraudulent or illegal activities
• Reverse engineer or attempt to extract the source code of the Service

4. Financial Disclaimer

• Not Financial Advice: PlanPan provides tools for financial tracking and planning but does not provide financial, investment, or tax advice
• Educational Purpose: All features, insights, and recommendations are for educational and informational purposes only
• Consult Professionals: You should consult with qualified financial advisors, accountants, or other professionals for personalized financial advice
• Your Decisions: All financial decisions remain your sole responsibility
• No Guarantees: We make no guarantees about financial outcomes or the accuracy of projections

5. Privacy and Data Security

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

• We implement industry-standard security measures to protect your financial data
• We will never sell your personal financial information to third parties
• You retain ownership of your financial data
• You can request deletion of your data at any time

6. Intellectual Property

The Service and its original content, features, and functionality are owned by PlanPan and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

• You may not copy, modify, distribute, sell, or lease any part of the Service
• You retain ownership of the financial data you input into the Service
• You grant us a limited license to use your data to provide the Service

7. Service Availability

• We strive to maintain high service availability but cannot guarantee uninterrupted access
• We may perform maintenance, updates, or modifications that temporarily affect service availability
• We will provide reasonable notice of planned maintenance when possible
• We are not liable for temporary service interruptions

8. Limitation of Liability

To the maximum extent permitted by applicable law:

• The Service is provided "as is" without warranties of any kind
• We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
• We are not liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim
• We are not responsible for financial losses resulting from your use of the Service

9. Account Termination

9.1 Termination by You

• You may terminate your account at any time through your account settings
• Upon termination, your access to the Service will cease immediately
• You may request export of your data before termination

9.2 Termination by Us

• We may terminate or suspend your account for violation of these Terms
• We may terminate accounts that remain inactive for extended periods
• We will provide reasonable notice before termination when possible

10. Third-Party Services

The Service integrates with third-party services for authentication, analytics, and data processing. These services are governed by their own terms of service and privacy policies:

• Clerk (Authentication services)
• PostHog (Analytics)
• Sentry (Error monitoring)
• Neon (Database services)
• Trigger.dev (Background processing)

11. Updates to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by email or through the Service. Your continued use of the Service after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where PlanPan is incorporated, without regard to conflict of law principles.

13. Dispute Resolution

In the event of any dispute arising from these Terms or your use of the Service:

• We encourage resolution through direct communication
• Disputes may be resolved through binding arbitration
• You waive the right to participate in class action lawsuits

14. Contact Information

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

• Email: princhcanal@gmail.com

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect.