Terms of Service

1. Introduction

Welcome to CashSnapper. These Terms of Service ("Terms") govern your access to and use of CashSnapper's website, mobile applications, and services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services. These Terms constitute a legally binding agreement between you and CashSnapper regarding your use of the Services.

Please read these Terms carefully, along with our Privacy Policy, which is incorporated by reference into these Terms and also governs your use of our Services.

2. User Agreements

By creating an account with CashSnapper, you represent and warrant that:

• You are at least 18 years of age or the age of legal majority in your jurisdiction.
• You have the legal capacity to enter into a binding contract with CashSnapper.
• You will comply with these Terms and all applicable local, state, national, and international laws, rules, and regulations.
• You will provide accurate, current, and complete information during the registration process and keep your information up-to-date.
• You are responsible for safeguarding your account credentials and for all activities that occur under your account.

You agree not to create an account if we have previously removed you, or if you have been previously banned from using our Services.

3. Service Usage Terms

Our Services are designed to help users manage their finances, track expenses, and receive personalized financial insights. When using our Services, you agree to:

• Use the Services only for lawful purposes and in accordance with these Terms.
• Not use the Services in any way that could disable, overburden, damage, or impair the Services or interfere with any other party's use of the Services.
• Not attempt to gain unauthorized access to any part of the Services, other accounts, or any systems or networks connected to the Services.
• Not use any robot, spider, or other automatic device, process, or means to access the Services for any purpose.
• Not introduce any viruses, Trojan horses, worms, logic bombs, or other harmful material to the Services.
• Not use the Services for any commercial purposes without our express written consent.

CashSnapper reserves the right to monitor your use of the Services to ensure compliance with these Terms.

4. Account Responsibilities

As a CashSnapper account holder, you are responsible for:

• Maintaining the confidentiality of your account credentials.
• Restricting access to your device and account.
• Notifying CashSnapper immediately of any unauthorized use of your account or any other breach of security.
• Ensuring that you log out from your account at the end of each session when accessing the Services on a shared device.
• Providing accurate and up-to-date financial information when using our Services.
• Verifying the accuracy of any financial calculations or recommendations provided through our Services.

CashSnapper will not be liable for any loss or damage arising from your failure to comply with these account security obligations.

5. Intellectual Property Rights

The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by CashSnapper, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your Web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the Services for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

You must not modify copies of any materials from the Services or delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Services.

6. Limitation of Liability

To the fullest extent permitted by applicable law, CashSnapper and its affiliates, officers, employees, agents, partners, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services.
• Any conduct or content of any third party on the Services.
• Any content obtained from the Services.
• Unauthorized access, use, or alteration of your transmissions or content.
• Financial decisions made based on information or recommendations provided through the Services.

In no event shall CashSnapper's total liability to you for all claims related to the Services exceed the amount paid by you to CashSnapper during the twelve (12) months preceding the event giving rise to the liability, or one hundred dollars ($100), whichever is greater.

The limitations of damages set forth above are fundamental elements of the basis of the bargain between CashSnapper and you.

7. Dispute Resolution

You and CashSnapper agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof or the use of the Services (collectively, "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

The arbitration will be conducted in accordance with the Commercial Arbitration Rules of the American Arbitration Association ("AAA"), then in effect, except as modified by these Terms. The arbitration will be conducted by a single arbitrator, who shall be selected by agreement of the parties or, if the parties cannot agree, appointed by the AAA. The arbitration shall take place in the county where you reside or at another mutually agreed location.

The arbitrator will decide the substance of all claims in accordance with the laws of the state where you reside, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

You and CashSnapper agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

8. Termination Policies

CashSnapper may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or delete your account through the account settings.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

CashSnapper reserves the right to maintain, delete, or destroy all communications and materials posted or uploaded to the Services pursuant to its internal record retention and/or content destruction policies.

9. Amendments to Terms

CashSnapper reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

It is your responsibility to review these Terms periodically for changes. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes.

10. Contact Information

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