1. Legal Agreement

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you") and [Company Name], a company established under the laws of the Netherlands, with its registered address at [Registered Address] ("Company", "we", "us", "our"), governing your use of the Pyronix mobile application ("App").

By downloading, installing, accessing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

2. Nature of the Service

Pyronix is a personal finance tracking application that enables users to:

Record income and expenses manually
View financial summaries and charts
Generate financial projections
Export data
Sync data across devices (with subscription)

The App is not a bank; does not provide financial, tax, legal, or investment advice; does not access bank accounts; and does not guarantee financial outcomes. All financial projections are informational estimates only.

3. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the App. By using the App, you represent that you meet this requirement.

4. Accounts and Authentication

Use of cloud sync and certain features requires Google authentication. You are responsible for maintaining account confidentiality, securing your device, and all activity under your account. We rely on Google authentication infrastructure and are not responsible for failures of third-party systems.

5. Subscriptions (Pyronix Pro)

Certain features require an automatically renewing subscription ("Pyronix Pro").

5.1 Billing

Subscriptions are processed exclusively via the Apple App Store and Google Play Store. We do not collect or store payment card data.

5.2 Automatic Renewal

Subscriptions automatically renew unless cancelled before renewal via your app store account settings.

5.3 Refunds

Refunds are handled solely by Apple or Google in accordance with their policies.

6. User Data Ownership

You retain full ownership of financial data entered into the App. By using cloud sync, you grant us a limited, revocable licence to process your data solely for the purpose of providing the Service. We do not sell, rent, or trade financial data.

7. Acceptable Use

You agree not to:

Reverse engineer the App
Circumvent subscription systems
Attempt unauthorized server access
Use the App unlawfully
Interfere with system security

Violation may result in termination of your access.

8. Intellectual Property

All intellectual property rights in the App remain the exclusive property of the Company. You are granted a limited, non-transferable, non-exclusive licence for personal use only.

9. Disclaimer of Warranties

The App is provided "AS IS" and "AS AVAILABLE". To the maximum extent permitted by law, we disclaim all warranties, including: accuracy of projections; continuous availability; error-free operation; and fitness for a particular purpose.

10. Limitation of Liability

To the maximum extent permitted by EU and US law, we shall not be liable for: financial losses; lost profits; data loss; or indirect or consequential damages. Our total liability shall not exceed the greater of (a) €100 or (b) the amount paid by you in the last 12 months.

Some jurisdictions may not allow certain limitations; in such cases, our liability is limited to the fullest extent permitted by law. Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

11. Data Loss

You are responsible for maintaining backups of important financial records. We are not responsible for data loss resulting from device failure, subscription lapse, network errors, or account deletion.

12. Termination

We may suspend or terminate your access for violation of these Terms. You may discontinue use at any time. Deleting your account permanently removes cloud-stored data.

13. Governing Law

For users in the European Union (including the Netherlands): These Terms are governed by the laws of the Netherlands, without prejudice to mandatory consumer protections under European Union and Dutch law (including the Consumer Rights Directive and applicable implementation in the Netherlands).

For users in the United States: These Terms are governed by the laws of the State of [State], United States, excluding conflict-of-law rules.

Your statutory rights as a consumer under the laws of your country of residence remain unaffected.

14. Contact

[Company Name]
[Registered Address]
Email: support@ypcashapp.com