Effective Date: August 26, 2026
These Terms of Service ("Terms") govern your use of the Puggy iOS application ("the app," "we," "us"). By downloading, accessing, or using the app, you agree to be bound by these Terms. If you do not agree, please do not use the app.
Puggy is a personal finance app that lets you track income, expenses, and budgets. The app is local-first: your financial data is stored directly on your device and is not synced to or processed by our servers.
Puggy is a budgeting and tracking tool only. It does not provide financial, investment, tax, or legal advice, and nothing in the app should be interpreted as such. You are solely responsible for the financial decisions you make based on the information you track in the app. Consult a qualified professional for financial advice specific to your situation.
Puggy does not require you to create an account or provide your name or email address. Your financial data is stored locally on your device using SwiftData. Because there is no cloud backend for your financial data, we cannot recover it if you lose, reset, or uninstall your device unless you have your own backup (e.g., via iCloud device backup).
You agree not to:
Use the app for any unlawful purpose or in violation of these Terms;
Attempt to reverse-engineer, disrupt, or interfere with the app or the services it relies on;
Use the app to build a competing product or service.
You retain full ownership of all financial data you enter into Puggy. Since this data lives on your device, you are responsible for backing it up and for its accuracy. We are not liable for data loss resulting from app deletion, device loss, device failure, or lack of backup.
If you purchase a subscription or premium features within Puggy, charges are handled through Apple's App Store and are subject to Apple's own terms and refund policies. Subscription status and entitlements are managed through RevenueCat. Cancelling or refunding a subscription is handled via your Apple ID account settings.
Puggy uses Firebase Analytics and Crashlytics to collect anonymized usage and crash data to help us improve the app. This data does not include your financial records, which remain on your device.
The app, including its design, branding, and underlying software, is owned by us and protected by applicable intellectual property laws. These Terms do not grant you any rights to our trademarks, logos, or brand features beyond what is necessary to use the app as intended.
The app is provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to accuracy, merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data or financial loss, arising from your use of or inability to use the app.
We may suspend or terminate your access to the app at any time, with or without cause, including for violation of these Terms.
We may update these Terms from time to time. When we do, we will post the revised Terms and update the effective date above. Your continued use of the app after any changes constitutes acceptance of the updated Terms.
These Terms shall be governed by applicable law in your jurisdiction of residence, without regard to conflict of law principles, except where local consumer protection laws require otherwise.
If you have any questions about these Terms, please contact us at: tenor.hector@gmail.com
Note: This is a template and not a substitute for review by a qualified attorney, especially regarding App Store, GDPR, and CCPA/consumer protection requirements.