Terms of Service | Tens Of Dollars

1. Agreement to Terms

By accessing or using Tens Of Dollars ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Tens Of Dollars is a personal finance management application that helps users track their finances on a pay period basis. The Service allows users to:

Track bank balances and income
Manage bills and payment schedules
Monitor debt and create payoff plans
View financial summaries by pay period

3. User Accounts

To use certain features of the Service, you must create an account. You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorized use
Ensuring your account information is accurate and up-to-date

4. Encryption and Data Security

Your financial data is protected with end-to-end encryption. Important points:

Your data is encrypted with a key derived from your password
We cannot access or decrypt your financial information
You are responsible for safeguarding your recovery key
Lost passwords and recovery keys cannot be reset by us, and data may be permanently inaccessible

5. Subscription and Payments

The Service offers a paid subscription with a free trial:

Free Trial: 14-day full access, no credit card required
Subscription: $5/month with full access to all features
Subscriptions are billed monthly and automatically renew
You may cancel at any time; access continues through the end of your billing period
Refunds are available within 7 days of your first payment

6. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose
Attempt to gain unauthorized access to any part of the Service
Interfere with or disrupt the Service's operation
Share your account credentials with others
Use the Service to store or transmit malicious code

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Tens Of Dollars and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure.

Important: The Service is a budgeting tool and does not provide financial, tax, or legal advice. Always consult qualified professionals for financial decisions.

9. Limitation of Liability

To the maximum extent permitted by law, Tens Of Dollars shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, or other intangible losses resulting from:

Your use or inability to use the Service
Any unauthorized access to or use of your account
Loss of data due to forgotten passwords or recovery keys
Any errors or omissions in the Service

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Upon termination, your right to use the Service will cease immediately. Your encrypted data will be retained for 30 days, after which it may be deleted.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

12. Contact Us

If you have questions about these Terms, please contact us at:

Email: support@tensofdollars.com