Agreement to Terms

By accessing and using Carman ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Carman is a personal budgeting application that helps users track their spending, categorize transactions, and gain insights into their financial habits. The Service includes:

• Account creation and management
• Bank account integration and transaction import
• Automatic transaction categorization
• Spending analysis and reporting
• Budget planning and tracking tools
• AI-powered financial insights

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 credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information remains current

Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or other harmful code
• Violate any applicable laws or regulations
• Share your account credentials with others

Financial Information and Security

Our Service involves the handling of sensitive financial information. You acknowledge that:

• You are responsible for the accuracy of financial data you provide
• We implement security measures to protect your information
• No security system is impenetrable and we cannot guarantee absolute security
• You should regularly review your account for unauthorized activity
• You should keep your login credentials secure and confidential

Third-Party Services

The Service may integrate with third-party services, including:

• Banking institutions for account connections
• Payment processors for subscription management
• Analytics services for service improvement

These third-party services are subject to their own terms of service and privacy policies. We are not responsible for the content or practices of these third-party services.

Subscription and Payment

Some features of the Service may require a paid subscription:

• Subscription fees are billed in advance on a recurring basis
• You may cancel your subscription at any time
• Refunds are provided at our discretion
• We reserve the right to change pricing with 30 days notice
• Failed payments may result in service suspension

Intellectual Property

The Service and its original content, features, and functionality are owned by Carman and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

User Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and display such content in connection with providing the Service.

Disclaimers

The Service is provided "as is" without warranties of any kind. We disclaim all warranties, including:

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

Limitation of Liability

In no event shall Carman 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.

Indemnification

You agree to defend, indemnify, and hold harmless Carman from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service or violation of these Terms.

Termination

We may terminate or suspend your account 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.

Governing Law

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

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

Contact Information

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