Terms of Service

By using Ut Finance, you agree to these terms. Ut Finance is a local-first financial software service with optional cloud-based collaboration features. The service is provided as-is during the beta period.

1. Financial Disclaimer (Not Advice)

Ut Finance is a data management and interpretation tool. It does not provide regulated financial, investment, or tax advice. The "Guardian" alerts, "Health Score," and "Budget Wizard" insights are provided for informational awareness only. Compliance obligations vary by jurisdiction.

2. User Verification Requirement

Ut Finance utilizes AI for data extraction and analysis. You are responsible for verifying the accuracy of all parsed transactions and budget calculations. AI-driven responses are tools for awareness; the final deterministic check remains with the user.

3. Shared Wallets & Collaborator Responsibility

If you use Shared Wallets, you understand that wallet data—including transactions and receipts—will be visible to authorized collaborators based on assigned roles. You are responsible for inviting correct participants and managing access roles. Shared-wallet synchronization requires cloud-based infrastructure and may not always be instantaneous during beta.

4. Third-Party Services & Advertising

Ut Finance may utilize third-party providers for services such as cloud hosting (Firebase), background processing, AI analysis (Google Gemini), analytics, and advertising (Google AdMob). Your use of these features is subject to the terms and privacy policies of these specific providers.

5. Subscriptions & Billing

Premium features and AI credit packages may be managed via third-party platforms such as RevenueCat, the Apple App Store, or Google Play Store. All billing, cancellations, and refunds are governed by the terms of the respective platform. I do not have direct access to your credit card or billing information.

6. Data Stewardship & Responsibility

By default, Ut Finance stores financial records locally on your device. I cannot recover your data if your device is lost or the app is deleted. You are the steward of your financial database. I recommend using the integrated, encrypted Google Drive backup feature to prevent data loss.

7. Beta Status & Service Changes

Ut Finance is currently in beta. Features and algorithms may be refined to improve reliability. I reserve the right to modify or discontinue features to enhance the overall stability and utility of the operating system.

8. Limitation of Liability

To the maximum extent permitted by law, Ut Finance is not liable for indirect, incidental, consequential, or financial losses arising from use of the service. Users remain responsible for verifying records and decisions before acting on them.

9. Service Limitations

Errors, delays, or discrepancies may still occur, including those caused by manual input, OCR or AI processing, exchange-rate handling, or third-party service interruptions. Users are responsible for reviewing their records and for complying with applicable tax, reporting, and legal obligations.

10. Intellectual Property

The "Financial DNA" behavioral fingerprinting, the "Guardian" persona system, and all branding associated with Ut Finance are the property of the developer.

11. Governing Law

These terms are governed by the laws of the Republic of the Philippines.

12. Contact

For inquiries regarding these terms, please contact mkznsym.biz@gmail.com.