Welcome to Monify ("the App"), operated by Switch Communications ("we," "our," or "us"). By downloading, accessing, or using Monify, you agree to these Terms and Conditions. If you do not agree with these Terms, please do not use the App.

1. Acceptance of Terms

By accessing or using Monify, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.

2. Description of the Service

Monify is a personal finance management application designed to help users:

• Track income and expenses

• Create and manage budgets

• Monitor spending habits

• View financial reports and insights

• Organize financial information

• Set financial goals

Monify is intended solely as a personal finance management tool and does not provide financial, investment, tax, accounting, or legal advice.

3. Eligibility

You must be at least 13 years of age, or the minimum legal age required in your country, to use the App. If you are under the age of majority, you should use the App only with the permission of a parent or legal guardian.

4. User Responsibilities

You agree to:

• Provide accurate information when using the App.

• Use the App only for lawful purposes.

• Keep your device secure.

• Protect any account credentials or authentication methods used with the App.

• Maintain backups of important financial information if necessary.

You are responsible for all information entered into the App.

5. Financial Information

Monify stores and organizes the financial information you choose to enter.

While we strive to provide accurate calculations and summaries, we do not guarantee that all calculations, reports, or financial insights are error-free.

You should independently verify important financial decisions before relying on information generated by the App.

6. No Professional Advice

The information provided through Monify is for informational and organizational purposes only.

Nothing in the App constitutes:

• Financial advice

• Investment advice

• Tax advice

• Accounting advice

• Legal advice

Always consult an appropriate professional before making significant financial decisions.

7. Premium Features

Some features may require a subscription or one-time purchase.

Prices, billing terms, subscription options, and available features may change from time to time.

Purchases made through Google Play are subject to Google Play's payment policies.

Subscriptions automatically renew unless canceled through your Google Play account before the renewal date.

8. Intellectual Property

All content, designs, graphics, trademarks, logos, software, and other materials within Monify are owned by or licensed to Switch Communications and are protected by applicable intellectual property laws.

You may not:

• Copy

• Modify

• Reverse engineer

• Redistribute

• Sell

• Lease

• Create derivative works from the App

without our prior written permission.

9. Acceptable Use

You agree not to:

• Use the App for unlawful purposes.

• Attempt unauthorized access to our systems.

• Disrupt or interfere with the App.

• Upload malicious software.

• Use automated tools to misuse the service.

• Violate any applicable laws or regulations.

10. Privacy

Your use of Monify is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

11. Third-Party Services

The App may integrate with or rely upon third-party services, including:

• Google Play Services

• Google Analytics for Firebase

• Google AdMob

• Crash reporting services

These third-party services operate under their own privacy policies and terms.

12. Availability

We aim to keep Monify available at all times. However, we do not guarantee uninterrupted access.

The App may occasionally become unavailable due to:

• Maintenance

• Updates

• Technical issues

• Network interruptions

• Events beyond our reasonable control

13. Disclaimer of Warranties

Monify is provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of:

• Merchantability

• Fitness for a particular purpose

• Non-infringement

We do not guarantee that the App will be error-free or continuously available.

14. Limitation of Liability

To the fullest extent permitted by law, Switch Communications shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of Monify.

Our total liability shall not exceed the amount you paid for the App or its premium features during the twelve months preceding the claim, if applicable.

15. Termination

We reserve the right to suspend or terminate access to Monify if you violate these Terms or misuse the App.

You may stop using the App at any time by uninstalling it.

16. Changes to These Terms

We may update these Terms from time to time.

Updated versions become effective upon publication within the App or through another appropriate notice.

Your continued use of Monify after changes take effect constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable in the jurisdiction where Switch Communications is established, without regard to conflict of law principles.