Terms of Service

Acceptance of Terms

By downloading, installing, or using AssetGuard ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App. These Terms constitute a legally binding agreement between you and AssetGuard.

Description of Service

AssetGuard is a privacy-first personal finance application designed to help you track and manage your investments and insurance policies. The App provides tools for:

• Portfolio tracking and analytics
• Insurance policy management
• Financial goal setting and monitoring
• FIRE (Financial Independence, Retire Early) calculations
• Asset allocation analysis
• Local data storage with optional cloud backup

User Accounts and Registration

Account Creation

To access certain features of the App, you may need to create an account. You agree to provide accurate and complete information during registration and to update this information as necessary.

Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

User Obligations

Lawful Use

You agree to use the App only for lawful purposes and in accordance with these Terms. You must not use the App in any way that violates applicable laws or regulations.

Data Accuracy

You are responsible for the accuracy and completeness of all financial data you enter into the App. AssetGuard is not liable for any financial decisions made based on data entered by you.

Intellectual Property

App Ownership

The App, including all software, design, text, graphics, and other content, is owned by AssetGuard and is protected by copyright, trademark, and other intellectual property laws.

User Data Rights

You retain all rights to the financial data you enter into the App. However, by using the App, you grant AssetGuard a limited license to process and store this data as necessary to provide the service.

Data Privacy and Security

Your privacy is our priority. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data. Key principles include:

• Data is stored locally on your device by default
• Optional cloud backup with end-to-end encryption
• No data sharing without your explicit consent
• Full data export and deletion capabilities

Prohibited Uses

You agree not to:

• Use the App for any illegal or unauthorized purpose
• Attempt to reverse engineer, decompile, or disassemble the App
• Share your account credentials with third parties
• Use automated tools to access the App
• Upload malicious code or viruses
• Interfere with the App's security features
• Use the App to harass, abuse, or harm others

Service Availability and Updates

Availability

While we strive to provide continuous service, we do not guarantee that the App will be available at all times. The App may be temporarily unavailable due to maintenance, updates, or technical issues.

Updates

We may update the App from time to time, including adding new features, fixing bugs, or improving security. Updates may be automatic or require user action.

Termination

Termination by User

You may terminate your account and stop using the App at any time. Upon termination, your data will remain accessible through the App until you choose to delete it.

Termination by AssetGuard

We reserve the right to suspend or terminate your account if you violate these Terms or engage in prohibited activities. We will provide reasonable notice when possible.

Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, either express or implied. AssetGuard does not warrant that the App will be error-free, secure, or meet your specific requirements. You use the App at your own risk.

Limitation of Liability

To the maximum extent permitted by law, AssetGuard shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App, including but not limited to:

• Loss of data or profits
• Business interruption
• Financial losses from investment decisions
• Security breaches
• Service interruptions

Indemnification

You agree to indemnify and hold AssetGuard harmless from any claims, damages, losses, or expenses arising from your use of the App, violation of these Terms, or infringement of any third-party rights.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts in India.

Changes to Terms

We may modify these Terms from time to time. We will notify you of any material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the App after such changes constitutes acceptance of the new Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and AssetGuard regarding your use of the App.

Contact Us

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

Thank you for choosing AssetGuard. We are committed to providing you with a secure and reliable personal finance management experience.