Terms of Service

Please read these Terms of Service ("Terms") carefully before using PingPal.

1. Acceptance of Terms

By accessing or using PingPal, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the service.

2. Service Description

PingPal provides personal finance and budgeting tools, including bank account integration, transaction notifications, and spending insights. The service is provided "as is" and may be updated, modified, or discontinued at any time without notice.

3. User Eligibility

• You must be at least 18 years old to use PingPal.
• You must provide accurate, current, and complete information during registration and keep your account information updated.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Permitted Use

• You may use PingPal only for lawful purposes and in accordance with these Terms.
• You agree not to use the service to violate any applicable law, regulation, or third-party right.
• You may not attempt to gain unauthorized access to any part of the service or its related systems or networks.

5. Account Security

• You are responsible for safeguarding your account and promptly notifying us of any unauthorized use or security breach.
• We are not liable for any loss or damage arising from your failure to comply with this security obligation.

6. Data & Privacy

Your use of PingPal is also governed by our Privacy Policy. We do not sell or share your data with third parties. You retain ownership of your data, but grant us a license to use it as necessary to provide the service.

7. Third-Party Services

• PingPal integrates with third-party services (e.g., Plaid, Telegram, OpenAI). Your use of these services is subject to their terms and policies.
• We are not responsible for the content, policies, or practices of third-party services.

8. Intellectual Property

• All content, trademarks, and software associated with PingPal are the property of their respective owners.
• You may not copy, modify, distribute, sell, or lease any part of our service or included software.

9. Prohibited Conduct

• Do not use PingPal to harass, abuse, or harm another person or entity.
• Do not interfere with or disrupt the integrity or performance of the service.
• Do not attempt to reverse engineer or extract source code from the service.

10. Termination

• We reserve the right to suspend or terminate your access to PingPal at any time, with or without notice, for any reason, including violation of these Terms.
• Upon termination, your right to use the service will immediately cease. You may request deletion of your data as described in our Privacy Policy.

11. Disclaimers & Limitation of Liability

• PingPal is provided "as is" and "as available" without warranties of any kind, either express or implied.
• We do not warrant that the service will be uninterrupted, error-free, or secure.
• To the fullest extent permitted by law, PingPal and its affiliates disclaim all liability for any damages arising from your use of the service.

12. Indemnification

You agree to indemnify and hold harmless PingPal, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, liabilities, and expenses arising from your use of the service or violation of these Terms.

13. Changes to Terms

We may update these Terms from time to time. Continued use of PingPal after changes constitutes acceptance of the new Terms. We will notify users of material changes via the website or email.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which PingPal operates, without regard to its conflict of law principles.

15. Contact

If you have any questions about these Terms, please contact us at support@pingpal.me.