1. Acceptance of Terms

By accessing draxentolira.sbs, creating an account, or using any of our budgeting tools and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our platform.

Legal Capacity

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our services. If you are using our platform on behalf of a family or household, you represent that you have the authority to bind all members to these terms.

Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated via email to registered users at least 30 days before they take effect. Continued use of our platform after such modifications constitutes acceptance of the updated terms.

2. User Accounts and Responsibilities

Account Creation

To access certain features of our budgeting platform, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

User Obligations

• Provide truthful and accurate financial information for budgeting purposes
• Use the platform solely for personal family budgeting and financial planning
• Comply with all applicable laws and regulations in your jurisdiction
• Notify us immediately of any unauthorized use of your account
• Maintain the security of your login credentials
• Use our platform in a manner consistent with its intended purpose

Prohibited Activities

You agree not to engage in any of the following activities: using the platform for commercial purposes without authorization, attempting to gain unauthorized access to other users' accounts, transmitting malicious code or viruses, or using automated systems to access our services without permission.

3. Financial Data and Privacy

Data Collection and Use

Our platform collects financial information you provide to deliver budgeting and planning services. This includes income details, expense categories, savings goals, and spending patterns. We use this data solely to provide personalized budgeting recommendations and track your financial progress.

Third-Party Financial Connections

If you choose to connect external financial accounts through our authorized integration partners, you acknowledge that such connections are governed by both our terms and the terms of the third-party service providers. We are not responsible for the data practices of these third parties.

Data Security

We implement industry-standard security measures to protect your financial data, including encryption, secure servers, and regular security audits. However, no system is completely secure, and you acknowledge that you provide information at your own risk.

4. Service Availability and Limitations

Platform Availability

We strive to maintain continuous availability of our platform but cannot guarantee uninterrupted service. Scheduled maintenance, system updates, and unforeseen technical issues may occasionally limit access to our services.

Service Limitations

Our budgeting platform provides tools and recommendations based on the financial data you provide. We do not provide financial advice, investment recommendations, or tax guidance. All financial decisions remain your responsibility, and you should consult qualified professionals for specific financial advice.

Feature Changes

We reserve the right to add, modify, or discontinue features of our platform at our discretion. We will provide reasonable notice for significant changes that may affect your use of the service.