Terms and Conditions

Last updated: December 10, 2024

1. Acceptance of Terms

By downloading, installing, or using OneFinance, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our application.

2. Description of Service

OneFinance is a comprehensive personal finance management application that provides:

• Transaction tracking and categorization
• Bank account and credit card management
• Investment portfolio tracking
• Insurance policy management
• EMI and loan tracking
• Financial analytics and reporting
• SMS-based transaction synchronization
• Budget planning and expense monitoring

3. User Accounts

3.1 Account Creation

• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must be at least 13 years old to create an account

3.2 Account Security

• Keep your login credentials confidential
• Notify us immediately of any unauthorized access
• You are responsible for all activities under your account

4. Financial Data

4.1 Data Accuracy

• You are responsible for the accuracy of your financial data
• We provide tools to help organize and analyze your data
• We do not guarantee the accuracy of third-party data sources

4.2 Data Security

• We implement industry-standard security measures
• Your data is encrypted and stored securely
• We do not share your financial data without consent

5. Prohibited Uses

You may not use OneFinance for:

• Illegal activities or fraud
• Violating any laws or regulations
• Transmitting malicious code or viruses
• Attempting to gain unauthorized access
• Interfering with service operations

6. Intellectual Property

OneFinance and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

7. Privacy

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

8. Service Availability

• We strive to maintain service availability but cannot guarantee 100% uptime
• We may perform maintenance that temporarily affects service
• We reserve the right to modify or discontinue features

9. Limitation of Liability

To the maximum extent permitted by law, OneFinance shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the service.

10. Indemnification

You agree to indemnify and hold harmless OneFinance from any claims, damages, or expenses arising from your use of the service or violation of these Terms.

11. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes via email or through the application.

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect.

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