Terms of Service

1. Agreement to Terms

These Terms of Service ('Terms') constitute a legally binding agreement between you ('User', 'you', or 'your') and Zyclee ('Company', 'we', 'our', or 'us') regarding your use of the Zyclee personal finance management application and related services ('Service').

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, you may not access the Service.

2. Description of Service

Zyclee is a personal finance management application that helps users track income, expenses, and budgets. Our Service includes:

• Income and expense tracking
• Budget creation and monitoring
• Financial insights and analytics
• Data visualization and reporting
• Account management features

3. Eligibility

You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• You will comply with these Terms and all applicable laws
• All information you provide is accurate and truthful

4. Account Registration and Security

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities under your account

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Violate any applicable laws or regulations
• Upload or transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use the Service for any fraudulent or illegal activities
• Interfere with or disrupt the Service or servers
• Reverse engineer, decompile, or attempt to extract source code
• Use automated systems to access the Service without authorization
• Share your account credentials with others

6. Financial Information Disclaimer

By using this Service, you acknowledge and agree that:

• No Professional Advice: Any insights, recommendations, or calculations are for informational purposes only and do not constitute professional financial, investment, tax, or legal advice
• Consult Professionals: You should always consult with qualified financial advisors, accountants, tax professionals, or legal counsel before making any financial decisions
• No Liability: We are not responsible for any financial losses, damages, or decisions made based on information provided by the Service
• Accuracy Disclaimer: Past performance does not guarantee future results, and all projections are estimates based on your input data
• Data Responsibility: You are solely responsible for the accuracy and completeness of your financial data entered into the Service
• Independent Verification: You should independently verify all calculations and seek professional advice before acting on any information
• Risk Assessment: You acknowledge that all financial decisions carry inherent risks and should be evaluated with professional guidance

7. Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in our Privacy Policy.

8. Intellectual Property Rights

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

You retain ownership of the financial data you input into the Service. By using the Service, you grant us a limited, non-exclusive license to use your data solely to provide and improve the Service.

9. Subscription and Payment Terms

If applicable, subscription fees are billed in advance on a recurring basis. You agree to:

• Pay all charges associated with your account
• Provide current and accurate payment information
• Notify us of any changes to your payment information

Fees are non-refundable except as required by Australian Consumer Law or other applicable consumer protection laws.

10. Service Availability and Modifications

We strive to maintain Service availability but cannot guarantee uninterrupted access. We reserve the right to:

• Modify, suspend, or discontinue the Service with reasonable notice
• Perform maintenance and updates
• Change features or functionality
• Update these Terms (with notification to users)

11. Termination

You may terminate your account at any time by contacting us or using account deletion features. We may terminate or suspend your account if you violate these Terms, with reasonable notice where possible.

Upon termination, your right to use the Service ceases immediately, and we may delete your account and data in accordance with our Privacy Policy.

12. Australian Consumer Law

Our services come with guarantees that cannot be excluded under Australian Consumer Law. For major failures with the service, you are entitled to:

• Cancel your service contract and obtain a refund
• Choose a refund or replacement if goods fail to be of acceptable quality

For minor failures, we are entitled to choose between providing you with a refund or replacement.

13. Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of the Service. Where liability cannot be excluded by law, our liability is limited to:

• Re-supplying the services
• The cost of having the services supplied again
• Refunding the fees paid for the services

14. Indemnification

You agree to indemnify and hold harmless Zyclee from any claims, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of any rights of another party.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of Australia. Any disputes arising from these Terms or your use of the Service will be subject to the exclusive jurisdiction of the courts of Australia.

16. Dispute Resolution

We encourage you to contact us first to resolve any disputes. If a dispute cannot be resolved directly, you may seek resolution through:

• The Australian Financial Complaints Authority (AFCA) if applicable
• Your state or territory consumer affairs agency
• The Australian Competition and Consumer Commission (ACCC)

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

18. Contact Information

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

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Zyclee regarding the use of the Service and supersede all prior agreements and understandings.