1. Acceptance of Terms

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

2. Description of Service

Zepto is a personal finance management application that allows users to track income, expenses, recurring transactions, and analyze spending patterns. The service is provided “as is” and we reserve the right to modify or discontinue features at any time.

3. User Accounts

When creating an account, you agree to:

Provide accurate and complete information
Maintain the security of your password
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized access

4. Acceptable Use

You agree not to:

Use the service for any illegal purpose
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the service
Upload malicious code or content
Impersonate others or provide false information
Use automated systems to access the service without permission

5. User Content

You retain ownership of all financial data you enter into Zepto. By using our service, you grant us a limited license to process this data solely for the purpose of providing our services to you. We will not share your financial data with third parties except as described in our Privacy Policy.

6. Intellectual Property

The Zepto application, including its design, features, and content, is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

7. Disclaimer of Warranties

Zepto is provided “as is” without warranties of any kind. We do not guarantee that the service will be uninterrupted, error-free, or secure. We are not responsible for any financial decisions you make based on information provided by our service.

8. Limitation of Liability

To the maximum extent permitted by law, Zepto and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from your use of the service.

9. Termination

We may terminate or suspend your account at any time for violations of these terms or for any other reason at our discretion. You may also delete your account at any time through the application settings.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through the application. Continued use of the service after changes constitutes acceptance of the new terms.

11. Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

12. Contact

For questions about these Terms of Service, please contact us at legal@zepto.app