Terms of Service for BillGuard Pro
Last Updated: January 2025
1. Acceptance of Terms
By downloading, installing, or using BillGuard Pro, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the app.
2. Description of Service
BillGuard Pro is a financial management application that helps you track bills, expenses, budgets, and income. The app provides tools for managing your personal finances, including:
- Bill tracking and reminders
- Expense management and categorization
- Budget planning and monitoring
- Income tracking
- Financial analytics and reports
- Loan management and calculator
- Asset and stock tracking
- Financial learning and news
3. User Accounts
To use certain features of BillGuard Pro, you must create an account:
- You are responsible for maintaining the confidentiality of your account credentials
- You agree to notify us immediately of any unauthorized use of your account
- You are responsible for all activities that occur under your account
- We reserve the right to suspend or terminate accounts that violate these terms
4. User Responsibilities
You agree to:
- Provide accurate and complete information
- Use the app only for lawful purposes
- Not attempt to gain unauthorized access to the app or its systems
- Not use the app to violate any laws or regulations
- Not interfere with or disrupt the app's functionality
5. Financial Information
BillGuard Pro is a tool to help you manage your finances, but:
- We do not provide financial, legal, or tax advice
- You are solely responsible for your financial decisions
- We are not responsible for any financial losses or consequences
- You should consult with qualified professionals for financial advice
6. Data and Privacy
Your use of BillGuard Pro is also governed by our Privacy Policy. By using the app, you consent to the collection and use of your information as described in the Privacy Policy.
7. Intellectual Property
BillGuard Pro and its content, features, and functionality are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not:
- Copy, modify, or distribute the app or its content
- Reverse engineer or attempt to extract source code
- Use our trademarks or logos without permission
8. Service Availability
We strive to provide reliable service, but:
- We do not guarantee uninterrupted or error-free service
- We may perform maintenance that temporarily affects availability
- We reserve the right to modify or discontinue features at any time
9. Subscriptions and Payments
BillGuard Pro offers premium features through auto-renewable subscriptions:
- Free Trial: New users may be eligible for a 2-day free trial of premium features
- Subscription: Premium Plus subscription is $4.99 per month (auto-renewable)
- Cancellation: You can cancel your subscription at any time through your Apple ID account settings
- Refunds: Refunds are subject to Apple's refund policy
- Price Changes: We reserve the right to change subscription prices with 30 days notice
10. Limitation of Liability
To the maximum extent permitted by law:
- BillGuard Pro is provided "as is" without warranties of any kind
- We are not liable for any indirect, incidental, or consequential damages
- Our total liability shall not exceed the amount you paid for the app, if any
11. Termination
We may terminate or suspend your access to BillGuard Pro at any time, with or without cause, with or without notice. You may also stop using the app at any time by deleting your account.
12. Changes to Terms
We reserve the right to modify these Terms of Service at any time. We will notify you of any material changes by updating the "Last Updated" date. Your continued use of the app after changes constitutes acceptance of the new terms.
13. Governing Law
These Terms of Service shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.
14. Contact Information
© 2025 Astranov Labs. All rights reserved.