Terms & Conditions

Note: This is just dummy content to fill the page.

1. Acceptance of Terms

By downloading, installing, or using Mintro ("the App"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our service.

2. Description of Service

Mintro is a mobile budget tracking application that helps users manage their personal finances by:

• Tracking income and expenses

• Creating and managing budgets

• Analyzing spending patterns

• Connecting to financial accounts (optional)

• Providing financial insights and reports

3. User Accounts

Account Creation

• You must provide accurate and complete information when creating an account

• You are responsible for maintaining the confidentiality of your account credentials

• You must be at least 18 years old to use Mintro

• One account per person is permitted

Account Security

• You are solely responsible for all activities that occur under your account

• Notify us immediately of any unauthorized use of your account

• We are not liable for any losses resulting from unauthorized account access

4. User Responsibilities

Acceptable Use

You agree to use Mintro only for lawful purposes and in accordance with these terms. You will not:

• Use the App for any illegal or unauthorized purpose

• Attempt to gain unauthorized access to our systems or other users' accounts

• Upload or transmit viruses, malware, or other harmful code

• Reverse engineer, modify, or create derivative works of the App

• Use automated systems to access the App without permission

Data Accuracy

• You are responsible for the accuracy of all financial data you input

• Mintro provides tools for tracking but is not responsible for financial decisions you make

• Always verify important financial information independently

5. Financial Account Connections

Third-Party Services

When you connect bank accounts or credit cards:

• We use secure third-party services to access your financial data

• You authorize us to access and retrieve your account information

• Connection is optional and can be disconnected at any time

• We are not responsible for issues with third-party financial data providers

Data Accuracy

• Connected account data may have delays or inaccuracies

• Always verify transactions and balances with your financial institutions

• Report any discrepancies immediately

6. Subscription and Payments

Free and Premium Features

• Mintro offers both free and premium subscription features

• Premium subscriptions are billed monthly or annually

• Pricing is clearly displayed before purchase

• Subscriptions automatically renew unless cancelled

Refunds and Cancellations

• You may cancel your subscription at any time through your device's app store

• Cancellation stops future billing but doesn't refund current billing period

• Refunds are handled according to your app store's refund policy

• Premium features remain accessible until the end of your current billing period

7. Intellectual Property

Our Rights

• Mintro and all related content are owned by us or our licensors

• You receive a limited, non-exclusive license to use the App

• You may not reproduce, distribute, or create derivative works

Your Content

• You retain ownership of financial data you input into Mintro

• You grant us a license to use your data to provide and improve our services

• We do not claim ownership of your personal financial information

8. Privacy and Data Protection

• Your privacy is important to us

• Our Privacy Policy explains how we collect, use, and protect your data

• By using Mintro, you consent to our data practices as described in our Privacy Policy

• We implement industry-standard security measures to protect your information

9. Disclaimers

Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service

• Maintenance, updates, or technical issues may temporarily affect availability

• We are not liable for losses due to service interruptions

Financial Advice Disclaimer

• Mintro is a budgeting tool, not a financial advisory service

• We do not provide personalized financial advice or recommendations

• Always consult qualified financial professionals for important financial decisions

• Your financial decisions are your sole responsibility

Data Accuracy

• While we strive for accuracy, financial data may contain errors or delays

• Always verify important information with your financial institutions

• We are not responsible for decisions made based on inaccurate data

10. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages

• Our total liability is limited to the amount you paid for premium services in the past 12 months

• We are not responsible for losses due to your use or inability to use the App

• Some jurisdictions may not allow these limitations

By using Mintro, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.