Terms of Service

These Terms of Service ("Terms") govern your use of the MoneyHubPro website, mobile application, and related services (collectively, the "Service") operated by MoneyHubPro ("we," "us," or "our").

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

MoneyHubPro provides personal finance management tools including:

• Net worth tracking and financial goal setting
• Bill payment reminders and expense tracking
• Retirement planning and investment analysis
• Financial data aggregation and reporting
• Budgeting and spending analysis tools

3. User Accounts

When you create an account with us, you must provide accurate and complete information. You are responsible for:

• Maintaining the security of your account and password
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information remains current

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Use the Service for commercial purposes without authorization
• Interfere with or disrupt the Service

5. Financial Information and Data

By using our Service, you acknowledge that:

• You are responsible for the accuracy of financial data you input
• We are not responsible for financial decisions made based on our tools
• Our Service is for informational purposes and not financial advice
• You should consult with qualified financial professionals for investment decisions
• We may aggregate anonymized data for service improvement

6. Subscription and Payment

For paid subscriptions:

• Fees are billed in advance on a recurring basis
• You authorize us to charge your payment method
• Subscriptions automatically renew unless cancelled
• Refunds are provided according to our refund policy
• We may change pricing with 30 days notice

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service and explains how we collect, use, and protect your information.

8. Intellectual Property

The Service and its original content, features, and functionality are owned by MoneyHubPro and are protected by international copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Reverse engineer or attempt to extract source code
• Use our trademarks or branding without authorization
• Remove or alter any copyright notices

9. Disclaimers and Limitations

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the accuracy of financial calculations or projections
• Warranties that defects will be corrected

10. Limitation of Liability

IN NO EVENT SHALL MONEYHUBPRO 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. 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 or is harmful to other users, us, or third parties. Upon termination:

• Your right to use the Service will cease immediately
• We may delete your account and data
• You remain liable for any outstanding payments
• Provisions of these Terms that should survive termination will remain in effect

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which MoneyHubPro operates, without regard to its conflict of law provisions.

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

14. Contact Information

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