Terms of Service

Effective date: June 1, 2025  ·  Last updated: June 12, 2026

These Terms of Service ("Terms") govern your use of FinanceTracker at theincometracker.com (the "Service"), operated by FinanceTracker ("we", "us", or "our"). By using the Service you agree to these Terms.

1. Eligibility

You must be at least 13 years old to use the Service. By using the Service you represent that you meet this requirement.

2. Your Account

3. Acceptable Use

You agree not to:

4. Your Data

You own your financial data. We process it solely to operate the Service. You may export your data at any time using the export function in the app, and you may request deletion of your account and data at any time. See our Privacy Policy for full details.

5. No Financial Advice

FinanceTracker is a personal budgeting tool only. Nothing in the Service constitutes financial, investment, tax, or legal advice. You should consult a qualified professional before making financial decisions.

6. Service Availability

We aim to keep the Service available at all times but we do not guarantee uninterrupted access. We may modify, suspend, or discontinue the Service (or any part of it) at any time with reasonable notice where possible. The local-first nature of the app means your data remains accessible in your browser even when the Service is unavailable.

7. Intellectual Property

All content, design, and code of the Service (excluding your data) is owned by us or our licensors and protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any part of the Service without our prior written permission.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be error-free or that any defects will be corrected.

9. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim (or $10 if you have paid nothing).

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Service or your violation of these Terms.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "last updated" date above. Material changes will be notified via the Service where reasonably practicable. Continued use after changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of San Francisco County, California.

13. Contact

Questions about these Terms? Email us at support@theincometracker.com.