These Terms of Service ("Terms") govern your access to and use of Centsless Decisions. By creating an account or using the service, you agree to these Terms.

Your account

You are responsible for keeping your account credentials secure and for all activity that occurs under your account. Notify us immediately of any unauthorized use.

Household use

You may invite members to your household. You are responsible for managing who has access. Removing a member revokes their access to your household's data.

Acceptable use

• Don't attempt to break, probe, or overload the service.
• Don't use Centsless Decisions for illegal activity.
• Don't upload content that violates others' rights.

Your content

You retain ownership of the budget data you create. You grant us a limited license to store and process it solely to provide the service to you and your household.

Service changes

We may update, improve, or discontinue features. We'll give reasonable notice of material changes that adversely affect your use.

Disclaimer

Centsless Decisions is a budgeting tool, not financial, tax, or legal advice. The service is provided "as is" without warranties of any kind, express or implied.

Limitation of liability

To the maximum extent permitted by law, Centsless Decisions and its affiliates will not be liable for indirect, incidental, or consequential damages arising out of your use of the service.

Termination

You may stop using the service at any time. We may suspend or terminate accounts that violate these Terms.

Contact

Questions about these Terms? Reach us at hello@centslessdecisions.com.