Fill in before sharing. Replace the text in [BRACKETS]. These terms suit a free, private tool shared among friends. If Money Track ever becomes public or paid, have them reviewed by a Philippine lawyer.

Terms of Use

Effective date: [DATE]

1. What Money Track is

A free, private budget calendar run by [YOUR NAME] (contact [CONTACT]) for a small group of invited friends. It helps you record money you add and spend each day, in pesos, rupiah and dong, sort spending into categories, convert totals between currencies, and see monthly totals and your balance.

2. Accounts

• Accounts are by invitation only, one per person. Use the email address you were invited with.
• Keep your password to yourself. Don’t share an account.
• On a shared or borrowed device, untick “This is my own device” when signing in, and sign out when you’re done.
• If you forget your password, the owner can set a temporary one, which you must change when you next sign in. Until then the owner knows it, so sign in and change it soon.

3. Your data

Your entries belong to you. How they’re stored and who can technically access them is explained in the Privacy Notice. You can export them (Settings → Download backup / Export spreadsheet), and delete them or your account at any time.

4. Fair use

Use Money Track for your own budgeting. Don’t try to access other people’s data, break or overload the service, or share your account.

5. How the numbers work

• Amounts are whole numbers (no centavos or sen), up to 18 digits per entry.
• Each entry keeps the currency you entered it in. When you view totals in another currency, they’re converted with daily mid-market reference rates. These are not the rates a bank, e-wallet or money changer will give you. Older entries are converted at today’s rate, so converted totals change from day to day.
• “Balance” is money added minus money spent, including earlier months. It reflects only what you entered, not your real bank or wallet balance.
• Changes made offline count as saved only once they have synced. Until then they’re marked “Not synced yet”.

5b. Debt tracking

• Debt tracking is your own record of money you owe. It isn’t a loan agreement, a legal record or proof of payment, and it doesn’t contact anyone you owe.
• The remaining balance is the amount owed minus the payments you recorded. It doesn’t add interest, fees or penalties.
• Recording a debt doesn’t change your budget. A payment changes your budget only if you tick “Also record this payment as an expense”. Then one “Debt payment” expense is added, and it changes or disappears together with that payment.
• Deadline reminders (Overdue, Due today, Due soon) appear only inside Money Track when you open it. There are no push notifications or emails, so check the app before your deadlines.
• Totals across pesos, rupiah and dong use the same reference exchange rates as the rest of the app, and are estimates.

6. Financial disclaimer

• Results depend on your entries. Totals and balances are only as accurate and complete as what you type in. They can leave out things that matter, like unrecorded bills, fees, interest, taxes or debts.
• Conversions are estimates based on reference rates that may be out of date.
• Not professional advice. Nothing in Money Track is financial, tax, legal, lending or investment advice. For important decisions, talk to a qualified professional.

7. Availability and backups

• Money Track runs on free service plans. It may occasionally be unavailable: for example, the database pauses after about a week in which nobody uses it, until the owner restarts it.
• Keep your own backup (Settings → Download backup), especially monthly. [Free plan: the database itself has no restorable backups.]
• The owner may change or stop running Money Track. If so, everyone gets at least [14] days’ notice to download their backups, except in an emergency such as a security problem.

8. Responsibility

Money Track is provided free and as it is, among friends. The owner will take reasonable care to keep it working and secure, but isn’t responsible for losses from incorrect entries, conversion differences, or decisions made from the figures. Nothing here limits any right you have that can’t be waived under Philippine law.

9. Leaving

You can stop at any time: download a backup if you want one, then Settings → Delete my account. The owner may remove an account that misuses the service (section 4), after first giving the person a chance to download their data where possible.

10. Law and changes

These terms follow the laws of the Philippines. If they change, everyone is told before the change applies.