1. Acceptance of Terms

By accessing and using R-Tracker ("the Service"), you accept and agree to be bound by the terms and provision of this agreement.

2. Description of Service

R-Tracker is a personal financial management application that helps users track their income, expenses, budgets, investments, and financial goals. The Service includes web-based tools, mobile applications, and related services.

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
• Providing accurate and complete information
• Keeping your account information updated

4. Data Security and Privacy

We take data security seriously and implement industry-standard measures to protect your financial information. Your data is encrypted both in transit and at rest. We will never sell your personal financial data to third parties.

5. Financial Data Accuracy

While we strive to provide accurate financial calculations and insights, R-Tracker is a tool to assist with financial management and should not be considered as professional financial advice. Users are responsible for verifying the accuracy of their financial data.

6. Third-Party Integrations

R-Tracker may integrate with third-party services such as:

• Banking institutions for account synchronization
• M-Pesa and other mobile money services
• Investment platforms and cryptocurrency exchanges
• AI services for financial insights

Your use of these integrations is subject to their respective terms of service.

7. Subscription and Billing

R-Tracker offers both free and premium subscription tiers. Premium subscriptions are billed according to the plan you select. You may cancel your subscription at any time, and cancellation will take effect at the end of your current billing period.

8. Prohibited Uses

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Transmit malicious code or attempt to gain unauthorized access
• Use the Service for money laundering or other illegal financial activities
• Share your account with unauthorized users
• Reverse engineer or attempt to extract source code

9. Intellectual Property

The Service and its original content, features, and functionality are owned by R-Tracker and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

10. Limitation of Liability

R-Tracker shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

11. Service Availability

We strive to maintain high service availability but cannot guarantee uninterrupted access. We may temporarily suspend the Service for maintenance, updates, or other operational reasons.

12. Data Backup and Export

We regularly backup your data and provide export functionality. However, you are encouraged to maintain your own backups of important financial information.

13. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new terms.

14. 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 of Service or is harmful to other users, us, or third parties.

15. Governing Law

These Terms shall be interpreted and governed by the laws of Kenya, without regard to its conflict of law provisions.

16. Contact Information

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

• Email: legal@r-tracker.com
• Address: Nairobi, Kenya