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Terms of Service

Last updated: 27.05.2025

1. Introduction

Welcome to CoinTrack ("we," "our," or "us"). By accessing or using our service, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

2. Service Description

CoinTrack is a family budget management platform that allows users to:

  • Create and manage family financial groups
  • Track income and expenses
  • Set and monitor financial goals
  • Manage assets and debts
  • Subscribe to premium features

3. Account Registration and Authentication

3.1. Authentication Service

  • We use Clerk.com for user authentication and account management
  • Your account credentials are managed securely through Clerk
  • You must comply with Clerk's terms of service (available at clerk.com/terms)
  • Account security is partially managed by Clerk's security infrastructure

3.2. Account Requirements

  • You must register an account to use our service
  • You must provide accurate and complete information
  • You are responsible for maintaining the security of your account
  • You must be at least 18 years old to create an account

4. Family Groups

4.1. Family Owners

  • Can create and manage family groups
  • Invite and remove family members
  • Manage family settings and subscriptions

4.2. Family Members

  • Can view and contribute to family financial data
  • Must be invited by a family owner
  • Can leave a family group at any time

5. Payments and Subscriptions

5.1. Payment Processing

  • We use Stripe for payment processing
  • All payment information is handled securely by Stripe
  • You must comply with Stripe's terms of service
  • Payment disputes are handled according to Stripe's policies

5.2. Subscription Terms

  • Monthly or yearly billing options available
  • Payments are processed automatically through Stripe
  • Subscription changes and cancellations are handled through our platform
  • Refunds are processed according to our refund policy and Stripe's capabilities

5.3. Free Trial

  • New users may be eligible for a trial period
  • Limited features available during trial
  • Credit card information may be required to start trial

5.4. Payment Security

  • Payment information is never stored directly on our servers
  • All payment processing is handled by Stripe's secure infrastructure
  • Payment disputes should be raised through our customer service

6. User Responsibilities

You agree to:

  • Provide accurate financial information
  • Use the service legally and responsibly
  • Not share account credentials
  • Not misuse or attempt to abuse the service

7. Data Usage

7.1. We collect and process data as described in our Privacy Policy 7.2. You retain ownership of your financial data 7.3. We may use anonymized data for service improvement

8. Service Availability

8.1. We strive for 24/7 availability but don't guarantee uninterrupted service 8.2. We may modify or discontinue features with notice 8.3. We're not liable for service interruptions

9. Termination

9.1. You can terminate your account at any time 9.2. We may terminate accounts for Terms violations 9.3. Paid subscriptions must be cancelled separately

10. Changes to Terms

We may modify these Terms with notice. Continued use constitutes acceptance.

11. Limitation of Liability

We're not liable for:

  • Financial losses or decisions
  • Data accuracy or completeness
  • Third-party services
  • Indirect or consequential damages

12. Contact

Questions about these Terms? Contact us at [contact@cointrack.me]