Terms of Service

1. Acceptance of Terms

By accessing and using Ayka Personal Finance Tracker ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Description of Service

Ayka provides a personal finance management platform that allows users to:

• Track income and expenses
• Manage family member finances
• Monitor financial goals and investments
• Generate financial reports and analytics
• Store and organize financial documents

3. User Accounts

Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Accurate Information: You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

Account Termination: We reserve the right to suspend or terminate your account if you violate these terms or engage in fraudulent activities.

4. User Data and Privacy

Your use of the Service is also governed by our Privacy Policy. We take data security seriously and implement industry-standard measures to protect your financial information.

Data Ownership: You retain all rights to your financial data. We do not sell or share your personal financial information with third parties except as described in our Privacy Policy.

5. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purposes
• Attempt to gain unauthorized access to our systems
• Upload malicious code or malware
• Interfere with the proper functioning of the Service
• Share your account with others
• Scrape or harvest data from the Service

6. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, and software, are the exclusive property of Ayka and are protected by copyright, trademark, and other intellectual property laws.

7. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied. We do not warrant that:

• The Service will be uninterrupted or error-free
• Defects will be corrected
• The Service is free of viruses or harmful components
• The results obtained from the Service will be accurate or reliable

8. Limitation of Liability

To the fullest extent permitted by law, Ayka 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 use or inability to use the Service
• Any unauthorized access to or use of your data
• Any interruption or cessation of the Service
• Any errors or omissions in the Service

9. Financial Advice Disclaimer

Not Financial Advice: Ayka is a tool for organizing and tracking your personal finances. The Service does not provide financial, investment, legal, or tax advice. Any information provided is for informational purposes only.

You should consult with qualified professionals before making any financial decisions.

10. Changes to Terms

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

11. Termination

You may terminate your account at any time by contacting us. Upon termination:

• Your right to use the Service will cease immediately
• We will delete your account data according to our data retention policy
• You may request an export of your data before termination

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

13. Contact Information

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