Terms of Service

Agreement to Terms

By downloading, installing, or using the Suriva mobile application, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our application.

Eligibility

To use Suriva, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into these Terms
• Not be prohibited from using the app under applicable laws
• Provide accurate information when using the app

By using Suriva, you represent and warrant that you meet these eligibility requirements.

Description of Service

Suriva is a personal finance management application that helps you:

• Track your income and expenses
• Categorize financial transactions
• View financial analytics and reports
• Create and manage budgets
• Access premium features through our coin system

The app is designed to store your financial data locally on your device for privacy and security.

User Responsibilities

When using Suriva, you agree to:

• Use the app only for lawful purposes
• Provide accurate and complete information
• Keep your device secure and protected
• Not attempt to reverse engineer or modify the app
• Not share or distribute the app in unauthorized ways
• Respect intellectual property rights
• Back up your data regularly (as data is stored locally)

Coin System and Purchases

Suriva operates on a coin-based system for premium features:

How Coins Work:

• Coins are virtual currency used to unlock premium features
• Coins are purchased as one-time transactions (no subscriptions)
• Coin purchases are final and non-refundable unless required by law
• Coins do not expire and remain in your account

Purchase Terms:

• All purchases are processed through the Apple App Store
• Prices are displayed in your local currency
• You are responsible for any applicable taxes
• Refunds are subject to Apple's refund policy

Data and Privacy

Your privacy is important to us:

• Most of your data is stored locally on your device
• We collect minimal information as outlined in our Privacy Policy
• You are responsible for backing up your local data
• We do not guarantee data recovery if your device is lost or damaged
• You can delete your data at any time through the app settings

Intellectual Property

Suriva and all related content, features, and functionality are owned by us and are protected by intellectual property laws. You may not:

• Copy, modify, or distribute the app or its content
• Reverse engineer or attempt to extract source code
• Remove or alter any copyright notices
• Use our trademarks without permission

Disclaimers

Please understand that:

• Suriva is provided "as is" without warranties of any kind
• We do not provide financial advice or recommendations
• The app is for personal financial tracking only
• We are not responsible for financial decisions made based on app data
• We do not guarantee the accuracy of calculations or reports
• You should consult financial professionals for important decisions

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business interruption, arising from your use of Suriva.

Termination

These Terms remain in effect until terminated by either you or us. You may terminate these Terms by:

• Deleting the app from your device
• Discontinuing use of the service
• Contacting us to request account deletion

We may terminate or suspend your access if you violate these Terms or for any other reason at our discretion.

Changes to Terms

We may update these Terms from time to time. When we do, we will:

• Post the updated Terms in the app and on our website
• Update the "Last updated" date
• Notify you of significant changes through the app

Your continued use of Suriva after changes take effect constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of Suriva will be resolved through appropriate legal channels in the relevant jurisdiction.

Contact Information

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

We will respond to your inquiries as soon as possible and work to resolve any concerns you may have.

Acknowledgment

By using Suriva, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. You also acknowledge that you have read and understood our Privacy Policy.