Terms and Conditions

1. Acceptance of Terms

By accessing or using Pizafey.com ("the Service"), an online service for planning and controlling personal expenses, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. These Terms constitute a legally binding agreement between you and Pizafey.com.

2. Description of Service

Pizafey.com provides tools and features for personal financial management, expense tracking, budgeting, and financial planning. The Service is provided "as is" and may change without prior notice. We reserve the right to modify, suspend, or discontinue the Service at any time without liability.

3. User Registration and Account Security

To use certain features of the Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. You are solely responsible for safeguarding your password and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

4. User Obligations

When using the Service, you agree to:

a) Comply with all applicable laws and regulations;

b) Provide accurate financial information;

c) Not use the Service for any illegal or unauthorized purpose;

d) Not attempt to gain unauthorized access to any portion of the Service;

e) Not interfere with or disrupt the integrity or performance of the Service;

f) Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service without express written permission.

5. Service Limitations

The Service is designed for personal financial management purposes only. While we strive to provide accurate tools, we do not guarantee the accuracy, completeness, or usefulness of any information provided. The Service is not intended to provide financial, investment, or tax advice. Financial decisions should not be made solely based on information provided by the Service. We reserve the right to set limits on the use of the Service, including storage capacity and transaction volume.

6. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by Pizafey.com and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not modify, reproduce, distribute, create derivative works or adaptations of, publicly display or in any way exploit the Service except as expressly authorized by Pizafey.com. All logos, product names, and company names are trademarks or registered trademarks of their respective owners.

7. User Content

You retain all rights to any data or information you submit to the Service. By submitting content to the Service, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content in connection with providing and improving the Service. You represent and warrant that you own or have the necessary rights to the content you submit and that it does not violate any third party's rights.

8. Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

9. Limitation of Liability

In no event shall Pizafey.com, its directors, employees, partners, agents, suppliers, or affiliates 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 access to or use of or inability to access or use the Service; any conduct or content of any third party on the Service; any content obtained from the Service; or unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.

10. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Pizafey.com expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranty that the Service will meet your requirements, be available on an uninterrupted, secure, or error-free basis, or that defects will be corrected.

11. Dispute Resolution

Any dispute arising from or relating to these Terms or the Service shall first be resolved through good-faith negotiations. If such negotiations fail, all disputes shall be resolved through binding arbitration, conducted on an individual basis, and not as a class action. The arbitration shall be conducted in accordance with the rules of the International Chamber of Commerce. The place of arbitration shall be determined at the time of the dispute. The language of arbitration shall be English.

12. Governing Law

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

13. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.