Terms of Service

Acceptance of these terms

These Terms of Service govern your access to and use of MoniTrak, including our website and the features and services we make available.

By accessing or using MoniTrak, you agree to these Terms. If you do not agree to them, you should not use the service.

About MoniTrak

MoniTrak is a personal-finance workspace designed to help users organize financial information, understand their financial position and plan ahead.

Features may include accounts, credit cards, transactions, budgeting, reporting, forecasting, financial goals, currency conversion and other financial organization and planning tools.

Your account

Some MoniTrak features may require you to create an account. You are responsible for providing accurate information where required and for maintaining the confidentiality of your account credentials.

You are responsible for activity that occurs through your account and should notify us if you believe your account has been accessed without authorization.

Your financial information

You are responsible for the financial information you enter, import or otherwise provide to MoniTrak.

You should review information displayed by MoniTrak and make sure that balances, transactions, budgets, exchange rates, forecasts, goals and other financial information are appropriate for your circumstances.

Financial information, not financial advice

MoniTrak is intended to help you organize, understand and plan your personal finances. The information, calculations, projections and other content provided through MoniTrak are for informational and planning purposes.

MoniTrak does not provide financial, investment, tax, accounting or legal advice. Decisions you make using information presented through MoniTrak remain your responsibility.

Where appropriate, you should consider obtaining advice from a qualified professional regarding your individual circumstances.

Budgets, forecasts and goals

Budgets, forecasts, goals and other planning information may depend on assumptions, estimates and information provided by you.

Future financial results cannot be guaranteed. Forecasts and planning views should therefore be treated as estimates rather than promises of future financial outcomes.

Currency and exchange rates

MoniTrak may allow financial information to be recorded or presented in different currencies and may use exchange rates to calculate values in a selected base currency.

Exchange rates may be configured, entered or otherwise made available depending on the features provided. Currency conversions should be treated as informational calculations and may differ from rates used by banks, card providers, payment services or other financial institutions.

Acceptable use

You agree to use MoniTrak lawfully and in a way that does not interfere with the service or the ability of others to use it.

• Do not attempt to gain unauthorized access to MoniTrak, another user's account or systems connected to the service.
• Do not intentionally introduce malicious code or attempt to disrupt the operation of the service.
• Do not use MoniTrak for unlawful, fraudulent or abusive purposes.
• Do not attempt to bypass security or access controls protecting the service.

Availability and changes

MoniTrak may evolve over time. Features may be added, changed, improved or discontinued as the product develops.

We aim to provide a reliable service, but we cannot guarantee that MoniTrak will always be available without interruption, delay or error.

Third-party services

MoniTrak may include links to, integrations with or functionality provided through third-party services.

Third-party services are operated independently and may have their own terms, privacy policies and practices. Your use of those services may be subject to their separate terms.

Intellectual property

MoniTrak and the content, branding, design, software and other materials associated with the service may be protected by intellectual property laws.

These Terms do not transfer ownership of MoniTrak or its intellectual property to you.

Suspension or termination

Access to MoniTrak may be restricted, suspended or terminated where necessary to protect the service, other users, comply with legal requirements or address a serious violation of these Terms.

Disclaimer

MoniTrak is provided as a tool for organizing, understanding and planning personal financial information.

While we aim to provide useful and reliable functionality, information presented through the service may depend on data, assumptions and settings provided by users or other sources. You should review important financial information before relying on it for a decision.

Limitation of liability

To the extent permitted by applicable law, MoniTrak will not be responsible for losses resulting solely from financial decisions made based on inaccurate, incomplete or outdated information entered into or presented through the service.

Nothing in these Terms is intended to exclude or limit rights or liabilities that cannot legally be excluded or limited.

Privacy

Your use of MoniTrak is also subject to our Privacy Policy, which explains how information may be collected, used and handled.

Changes to these terms

These Terms may be updated as MoniTrak develops, our services change or legal requirements evolve.

When these Terms are updated, the date shown at the top of this page should be revised to reflect the latest version.

Contact us

If you have questions about these Terms or about using MoniTrak, you can contact us at: