Terms of Service

1. Acceptance of Terms

By accessing and using Summitt ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Summitt is a financial dashboard service that helps users track and manage their personal finances. The service includes:

• Natural language transaction input
• Automatic categorization of expenses
• Streak tracking for financial habits
• AI-powered financial insights
• Google Sheets integration
• Analytics and reporting features

3. User Accounts

3.1 Account Creation

To use Summitt, you must create an account using Google authentication. You are responsible for:

• Maintaining the confidentiality of your account
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information is accurate and current

3.2 Account Termination

We reserve the right to terminate or suspend your account at any time for violations of these terms or for any other reason at our sole discretion.

4. Acceptable Use

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

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Transmit any viruses, malware, or harmful code
• Use the Service to store or transmit sensitive financial information of others
• Reverse engineer, decompile, or disassemble any part of the Service

5. 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.

You retain ownership of your financial data. We process your data to provide the Service and improve our offerings, always in accordance with our Privacy Policy.

6. Service Availability

We strive to maintain high availability of the Service, but we do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance
• Technical issues
• Third-party service disruptions
• Force majeure events

7. Intellectual Property

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

You retain ownership of your financial data and any content you create using the Service.

8. Third-Party Services

Summitt integrates with third-party services including Google Sheets and Firebase. Your use of these services is subject to their respective terms of service and privacy policies.

We are not responsible for the availability, accuracy, or content of third-party services.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee the accuracy of financial insights or recommendations provided by the Service. You should always verify financial information and consult with qualified professionals for financial advice.

10. Limitation of Liability

IN NO EVENT SHALL SUMMITT 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.

Our total liability to you for any claims arising from the use of the Service shall not exceed the amount paid by you for the Service in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Summitt from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Posting the updated terms on our website
• Sending email notifications to registered users
• Displaying in-app notifications

Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization].

15. 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 the Terms will otherwise remain in full force and effect.

16. Contact Information