Terms of Service

Agreement to Terms

By accessing or using Focal Finance ("Service"), operated by Lunar Link Tech LTD, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

Description of Service

Focal Finance is a personal finance management application that allows you to track your income, expenses, and budgets. We provide tools to help you understand and manage your financial life.

Account Registration

To use our Service, you must:

• Provide accurate and complete registration information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to access other users' accounts or data
• Interfere with or disrupt the Service or servers
• Upload malicious code or attempt to compromise security
• Use automated systems to access the Service without permission

Subscription and Payments

Focal Finance offers both free and premium subscription plans. By subscribing to a paid plan, you agree to pay the applicable fees. Subscription details and pricing are available on our pricing page.

Please see our Refund Policy for information about cancellations and refunds.

Intellectual Property

The Service and its original content, features, and functionality are owned by Lunar Link Tech LTD and are protected by international copyright, trademark, and other intellectual property laws.

User Data

You retain ownership of all financial data you enter into the Service. We do not claim any ownership rights to your data. For information on how we handle your data, please see our Privacy Policy.

Limitation of Liability

Focal Finance is provided "as is" without warranties of any kind. We are not responsible for any financial decisions you make based on information displayed in the Service. Always verify important financial information independently.

To the maximum extent permitted by law, Lunar Link Tech LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Account Termination

We reserve the right to suspend or terminate your account at any time if you violate these terms. You may also delete your account at any time from your Profile page, which will permanently remove all your data.

Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms. We will notify users of significant changes.

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

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