Terms of Service

1. Acceptance of Terms

By accessing or using Payogo ("the Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Payogo provides personal financial tracking and budgeting tools through web and mobile applications. Our services include:

• Budget creation and tracking
• Expense categorization and analysis
• Multi-currency financial tracking
• AI-powered financial insights
• Receipt scanning (Premium feature)

3. User Accounts

To use Payogo, you must:

• Be at least 18 years old
• Provide accurate and complete registration information
• Maintain the security of your password
• Accept responsibility for all activities under your account

4. Free and Premium Services

Free Tier: Payogo offers a free version with basic budgeting features. We reserve the right to modify free features at any time.

Premium Services: Additional features may be offered as premium services subject to payment. Premium features and pricing may change with notice.

5. User Responsibilities

You agree to:

• Use the Service only for lawful purposes
• Not attempt to gain unauthorized access to the Service
• Not use the Service to store illegal or prohibited content
• Maintain the confidentiality of your account information
• Provide accurate financial information for tracking purposes

6. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your data.

You retain ownership of your financial data. We only use it to provide and improve our services.

7. Intellectual Property

The Payogo service, including all content, features, and functionality, is owned by Payogo and protected by international copyright and intellectual property laws.

You may not copy, modify, distribute, or create derivative works based on our Service without explicit permission.

8. Limitation of Liability

Payogo is provided "as is" without warranties of any kind. To the fullest extent permitted by law:

• We are not liable for any financial decisions made based on our Service
• We are not responsible for accuracy of exchange rate data from third parties
• Our total liability is limited to the amount you paid for our services in the past 12 months

9. Termination

We may suspend or terminate your account if you violate these terms. You may delete your account at any time through the Settings page, which will permanently remove your data.

10. Changes to Terms

We may update these terms from time to time. We will notify users of significant changes via email or in-app notifications. Continued use of the Service constitutes acceptance of updated terms.

11. Governing Law

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.