Terms of Service

1. Acceptance of Terms

By accessing or using Dollar Llama, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

2. Description of Service

Dollar Llama is a personal and household budget management application that helps users manually track expenses, manage budgets, and gain financial insights. The service includes budget tracking, expense categorization, household sharing, and financial maturity scoring.

Important: Dollar Llama is a manual tracking tool. You are responsible for entering all financial data. We do not connect to banks, import transactions, or verify the accuracy of information you provide.

3. User Accounts

To use Dollar Llama, you must:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

If you are under 13 years old, you must have parental permission to use the app in accordance with applicable privacy laws (COPPA).

4. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with other users' use of the service
• Upload malicious code or content
• Resell or redistribute the service without permission

5. User Responsibility for Data

You are solely responsible for all financial data you enter into Dollar Llama, including:

• The accuracy of all transactions, balances, and budget information
• Properly categorizing your expenses and income
• Maintaining accurate records of your financial activities
• Verifying that your data reflects your actual financial situation

Dollar Llama displays and analyzes only the information you provide. We do not verify, validate, or guarantee the accuracy of any user-entered data. Any insights, recommendations, or scores are based solely on the data you input.

6. Financial Advice Disclaimer

Dollar Llama provides tools and insights for personal budgeting purposes only. Our recommendations and Financial Maturity Score are for informational purposes and should not be considered professional financial advice. The quality of insights depends entirely on the accuracy of data you provide. Always consult qualified financial professionals for important financial decisions.

7. No Subscription or Billing

Dollar Llama is completely free. There are no premium tiers, subscriptions, or in-app purchases. All features are available to all users at no cost.

8. Intellectual Property

All content, features, and functionality of Dollar Llama are owned by us and are protected by copyright, trademark, and other intellectual property laws. You retain ownership of the financial data you input into the application.

9. Limitation of Liability

Dollar Llama is provided "as is" without warranties of any kind. We are not liable for any damages arising from your use of the service, including but not limited to:

• Financial losses resulting from inaccurate data entry or budgeting decisions
• Missed payments or bills due to reliance on the app
• Errors in calculations, insights, or recommendations
• Data loss, service interruptions, or technical issues
• Any decisions made based on information displayed in the app

You acknowledge that Dollar Llama is a tool to assist with budget tracking, not a substitute for professional financial advice or your own financial diligence.

10. Termination

We may terminate or suspend your account at any time for violations of these terms. You may delete your account at any time through the app settings. Upon termination, your right to use the service ceases immediately.

11. Changes to Terms

We may update these Terms of Service from time to time. We will notify users of significant changes through the app or via email. Continued use of the service after changes constitutes acceptance of the new terms.

12. Contact Us

If you have questions about these Terms of Service, please contact us at contact@dollarllama.app