Terms of Service

Welcome to Smoney! Please read these Terms of Service (“Terms”) carefully before using Smoney’s website, the Smoney app, or any related services offered by Smoney. By accessing or using our services, you agree to be bound by these Terms.

1. Introduction

Smoney is a personal finance platform designed to help you understand your financial situation and make informed financial decisions. When you use Smoney’s services, you’re entrusting us with important personal information, and we take that responsibility seriously.

2. Acceptance of Terms

By creating an account with Smoney or using the Smoney app, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, please do not use our services.

3. Account Registration

To use Smoney, you must register an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your login information and for all activities that occur under your account.

4. Services Provided

Smoney provides various financial tools and insights through the Smoney app, which may include credit score tracking, budgeting tools, and personalized financial advice. Smoney is not a credit repair service, loan provider, or financial institution.

5. Use of the Smoney App

You agree to use the Smoney app only for lawful purposes. You may not use it to conduct any illegal activity or to solicit the performance of any illegal activity or other activity that infringes upon the rights of others.

6. User Obligations

As a user of Smoney, you agree to provide accurate, current, and complete information about yourself as prompted by the Smoney app. You are responsible for all activities under your account and must immediately notify Smoney of any unauthorized use of your account.

7. Privacy Policy

Your privacy is important to us. Smoney’s Privacy Policy explains how we collect, use, and disclose information from you. By using the Smoney app, you consent to Smoney’s collection and use of your information as outlined in our Privacy Policy.

8. Intellectual Property

All content, features, and functionality (including but not limited to text, graphics, logos, and software) available through Smoney and the Smoney app are the exclusive property of Smoney or its licensors and are protected by copyright, trademark, and other applicable laws.

9. Third-Party Services

The Smoney app may contain links to third-party websites or services that are not owned or controlled by Smoney. Smoney has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

10. Disclaimer of Warranties

Smoney provides its services “as is” and “as available” without any warranties of any kind. Smoney makes no representations or warranties regarding the accuracy, completeness, or reliability of any information provided through the Smoney app.

11. Limitation of Liability

To the maximum extent permitted by law, Smoney shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your access to or use of the Smoney app.

12. Indemnification

You agree to indemnify and hold harmless Smoney, its affiliates, and its respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising out of or in any way connected with your access to or use of the Smoney app.

13. Modification of Terms

Smoney reserves the right to modify these Terms at any time. When we make changes, we will post the updated Terms on the Smoney app and update the “Last Updated” date. Your continued use of the Smoney app after any changes constitutes your acceptance of the new Terms.

14. Termination

Smoney may terminate or suspend your access to the Smoney app without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

16. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Smoney regarding your use of the Smoney app, superseding any prior agreements between you and Smoney.