Terms of Service

Effective Date: July 20, 2024

Welcome to TackWallet! These Terms of Service ("Terms") govern your use of the TackWallet application and services ("Services"). By accessing or using our Services, you agree to be bound by these Terms. Please read them carefully.

1. Acceptance of Terms
By using TackWallet, you agree to comply with and be bound by these Terms and any applicable laws and regulations. If you do not agree to these Terms, you should not use our Services.

2. Description of Services
TackWallet is a personal finance application designed to help households, couples, families, and groups manage their finances without connecting directly to their bank accounts. Users can upload CSVs or spreadsheets of their transactions for tracking and categorization.

3. Eligibility
You must be at least 18 years old to use TackWallet. By using our Services, you represent and warrant that you meet this requirement.

4. User Account
To use all of features of TackWallet, you will need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5. Privacy
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information.

6. Uploading Transactions
Users can upload CSVs or spreadsheets of their transactions to TackWallet. By uploading such data, you represent and warrant that you have the right to share this information with us.

7. Expense Categorization
TackWallet uses advanced algorithms, including ChatGPT, to automatically categorize your expenses and income. While we strive for accuracy, we do not guarantee the correctness of the categorization.

8. Financial Insights
TackWallet provides insights into your financial health by comparing your data against industry benchmarks. These insights are for informational purposes only and should not be considered financial advice.

9. User Conduct
You agree not to use TackWallet for any unlawful or prohibited activities. You must not interfere with or disrupt the integrity or performance of our Services.

10. Intellectual Property
All content, features, and functionality of TackWallet are owned by us or our licensors and are protected by intellectual property laws. You may not use our content without our prior written permission.

11. Disclaimer of Warranties
TackWallet is provided on an "as is" and "as available" basis. We do not guarantee that our Services will be uninterrupted, error-free, or secure.

12. Limitation of Liability
To the maximum extent permitted by law, TackWallet and its affiliates 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, goodwill, or other intangible losses, resulting from your use of our Services.

13. Changes to the Terms
We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website and updating the "Effective Date" at the top. Your continued use of TackWallet after such changes constitutes your acceptance of the new Terms.

14. Contact Us
If you have any questions about these Terms, please contact us at [email protected].