1. Acceptance of Terms

By accessing or using [App Name], you confirm that you are at least 18 years old and agree to be bound by these Terms of Service. If you are using [App Name] on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Use of the Service

[App Name] grants you a limited, non-exclusive, non-transferable, and revocable license to use the app for personal, non-commercial purposes. You agree not to:
• Use [App Name] for any unlawful or unauthorized purpose
• Reverse engineer, decompile, or disassemble any part of the Service
• Copy, distribute, or create derivative works of the Service
• Interfere with or disrupt the integrity or performance of the Service
• Use automated means such as bots or scrapers to access the Service
• Remove or obscure any copyright, trademark, or proprietary notices

3. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Please notify us immediately at [contact@email.com] if you suspect any unauthorized use of your account.

4. Financial Data & Third-Party Services

[App Name] may connect to third-party financial institutions and data providers on your behalf. We do not store your banking passwords. All connections are handled through secure, industry-standard aggregation services. We are not responsible for the availability or accuracy of data provided by third-party services.

5. User Content

If [App Name] allows you to submit content, you retain ownership of that content. By submitting it, you grant [App Name] a worldwide, royalty-free license to use, display, and distribute your content solely in connection with operating the Service. You agree not to submit content that is unlawful, infringing, or harmful.

6. Intellectual Property

All content, trademarks, logos, and software within [App Name] are the property of their respective owners and are protected by applicable intellectual property laws. You may not use, copy, or distribute any part of the Service without prior written consent.

7. Disclaimers

[App Name] is provided "as is" without warranties of any kind, express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or free of viruses or harmful components. Nothing in [App Name] constitutes financial, investment, or legal advice.

8. Limitation of Liability

To the fullest extent permitted by law, [App Name] and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold [App Name] and its affiliates, officers, and employees harmless from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

10. Termination

We reserve the right to suspend or terminate your access to [App Name] at any time, with or without notice, for conduct that we determine violates these Terms or is harmful to other users, us, or third parties.

11. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email or an in-app notice. Continued use of [App Name] after changes take effect constitutes your acceptance of the revised Terms.

12. Contact Us

If you have any questions about these Terms of Service, please contact us at [contact@email.com].