Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Amounio ("Company," "we," "us," or "our") regarding your access to and use of the Amounio application, website, and related services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.

2. Service Description

Amounio is an expense tracking and financial management application that allows users to:

• Track personal and shared expenses
• Connect with partners for joint expense management
• Upload and store financial documents
• Generate expense reports and histories
• Manage subscriptions and payments

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.

3. Account Registration

3.1 Account Creation

To access certain features of the Service, you must register for an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to protect your account information.

4. Subscription and Payment Terms

4.1 Subscription Plans

Amounio offers various subscription plans with different features and pricing. By subscribing, you agree to pay the subscription fees associated with your chosen plan.

4.2 Payment Processing

All payments are processed securely through Stripe, our third-party payment processor. You agree to provide accurate payment information and authorize us to charge your payment method for all fees incurred.

4.3 Billing and Renewal

• Subscriptions automatically renew at the end of each billing period
• You will be charged the then-current subscription rate
• You can cancel your subscription at any time through your account settings
• Cancellations take effect at the end of the current billing period

4.4 Refund Policy

Subscription fees are generally non-refundable except as required by law or at our sole discretion. If you believe you are entitled to a refund, please contact our support team.

4.5 Price Changes

We reserve the right to modify our pricing at any time. We will provide you with advance notice of any price changes, and the new pricing will take effect at your next billing cycle after the notice period.

5. User Conduct and Responsibilities

5.1 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit any harmful, offensive, or illegal content
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Use automated systems to access the Service without permission
• Reverse engineer or attempt to extract source code
• Use the Service for any commercial purpose without authorization
• Impersonate any person or entity
• Collect or harvest any information about other users

5.2 Content Responsibility

You are solely responsible for all data, information, and content you upload, submit, or transmit through the Service. You represent and warrant that you have all necessary rights to such content and that it does not violate any third-party rights or applicable laws.

6. Intellectual Property Rights

6.1 Our Intellectual Property

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

6.2 Your Content

You retain all rights to the content you upload to the Service. By uploading content, you grant us a limited, worldwide, non-exclusive, royalty-free license to use, store, and process your content solely for the purpose of providing the Service to you.

6.3 Trademarks

Amounio and associated logos are trademarks of our company. You may not use our trademarks without our prior written permission.

7. Partner Connections

The Service allows you to connect with other users ("Partners") to share expense information:

• You control what information is shared with your Partners
• You are responsible for managing your partner connections
• We are not responsible for disputes between you and your Partners
• You can disconnect from Partners at any time
• Partner access to shared information ends when you disconnect

8. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

9. Disclaimers

9.1 Service "As Is"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.2 No Financial Advice

Amounio is a tool for tracking and managing expenses. We do not provide financial, legal, or tax advice. The Service is not a substitute for professional advice from qualified professionals.

9.3 Accuracy

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free. We do not guarantee the accuracy, completeness, or reliability of any information obtained through the Service.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AMOUNIO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Amounio and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your content or data uploaded to the Service

12. Termination

12.1 Termination by You

You may terminate your account at any time by accessing your account settings or contacting us. Upon termination, your subscription will continue until the end of the current billing period.

12.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, if we believe you have violated these Terms.

12.3 Effect of Termination

Upon termination:

• Your right to use the Service will immediately cease
• We may delete your account and data in accordance with our data retention policies
• You remain liable for all obligations incurred prior to termination
• Provisions that should survive termination will continue to apply

13. Dispute Resolution

13.1 Informal Resolution

If you have any dispute with us, you agree to first contact us and attempt to resolve the dispute informally before initiating any formal proceedings.

13.2 Arbitration

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the applicable rules. The arbitration shall be conducted in the location of the business activity, and judgment on the award may be entered in any court of competent jurisdiction.

13.3 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and us individually. You waive your right to participate in a class action lawsuit or class-wide arbitration.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the country of the business activity, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located in the jurisdiction of the business activity for any disputes arising from these Terms.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the new Terms on this page
• Updating the "Last Updated" date
• Sending you an email notification (if you have provided your email)

Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and Amounio regarding the Service and supersede all prior agreements and understandings.

18. Contact Information

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

19. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.