Terms of Service

1. Acceptance of Terms

By downloading, installing, or using CashProtector ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App. These Terms constitute a legal agreement between you and Adrian Eberhardt ("I," "me," or "my").

2. Description of Service

CashProtector is a personal financial management application that allows you to:

• Track income, expenses, and transfers
• Manage multiple bank accounts
• Create and manage transaction categories
• Store receipt images
• Generate financial reports
• Sync data across your devices using iCloud
• Import and export transaction data

All data processing occurs locally on your device or through your personal iCloud account.

3. User Accounts and Registration

CashProtector does not require you to create an account with us. If you choose to enable iCloud sync, you will need an Apple ID, which is subject to Apple's terms and conditions. The App may offer premium features that require purchase through the Apple App Store.

4. User Responsibilities

When using CashProtector, you agree to:

• Use the App only for lawful purposes
• Not attempt to reverse engineer, decompile, or disassemble the App
• Not use the App for any fraudulent or illegal financial activities
• Take responsibility for securing your device and iCloud account
• Ensure all financial information entered is accurate and belongs to you
• Not share the App or its premium features with unauthorized users

5. Privacy and Data Protection

Your privacy is important to us. All financial data is stored locally on your device or in your personal iCloud account. We do not collect, access, or store your personal financial information on any servers. For detailed information about how your data is handled, please refer to our Privacy Policy.

6. Intellectual Property Rights

All intellectual property rights in the App, including but not limited to the design, features, functionality, and content, are owned by Adrian Eberhardt. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes.

You may not:

• Copy, modify, or create derivative works based on the App
• Distribute, sell, rent, lease, or sublicense the App
• Use the App's design elements, icons, or branding without permission

7. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, I DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• The accuracy, reliability, or completeness of financial calculations
• The App's fitness for any particular purpose
• The App's availability, uninterrupted operation, or error-free performance
• The security of your data stored locally or in iCloud

CashProtector is a financial tracking tool only and should not be considered financial advice. Always consult with qualified financial professionals for financial decisions.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ADRIAN EBERHARDT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, data, or use
• Financial losses resulting from App use or inability to use
• Errors or inaccuracies in financial calculations or reports
• Data loss due to device failure or iCloud issues

The total liability shall not exceed the amount paid by you for the App in the last 12 months.

9. App Updates and Modifications

I reserve the right to modify, update, or discontinue the App at any time without notice. Updates may include new features, bug fixes, or changes to existing functionality. Continued use of the App after updates constitutes acceptance of any changes.

10. Termination

These Terms remain in effect until terminated. I may terminate or suspend your access to the App immediately, without prior notice, for any breach of these Terms. Upon termination:

• Your right to use the App will cease immediately
• You must delete all copies of the App from your devices
• All provisions that should survive termination shall remain in effect

11. Third-Party Services

The App may interact with third-party services such as:

• Apple's iCloud for data synchronization
• Apple's App Store for purchases and updates

Use of these services is subject to their respective terms and conditions.

12. Changes to Terms

I reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the App after changes constitutes acceptance of the modified Terms. Major changes will be notified through App updates or in-app notifications.

13. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of Germany, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the App shall be resolved in the courts of Stuttgart, Germany.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Adrian Eberhardt regarding the use of CashProtector and supersede all prior agreements and understandings.

16. Contact Information

If you have any questions about these Terms of Service, please contact me at:

Email: cashprotector@adrianeberhardt.com