Effective Date: January 10, 2025
These Terms of Use (the “Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and Codechime Software Solutions (“Codechime,” “we,” “us,” or “our”), a company organized and existing under the laws of the Philippines, with its principal place of business in Cebu, Philippines, governing your access to and use of the Financial Tracker mobile application (the “App”) and all related services provided by Codechime (collectively, the “Services”). These Terms incorporate by reference our Privacy Policy, available at Privacy Policy, which explains how we collect, use, and share your personal information.
By downloading, installing, accessing, or using the Services, you represent that you are at least 13 years old or have reached the age of majority in your jurisdiction and have the legal capacity and authority to enter into these Terms. If you are using the Services on behalf of a company, organization, or other legal entity, you represent that you have the authority to bind such entity to these Terms. You acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms and our Privacy Policy, do not download, install, access, or use the Services.
The App is a personal financial tracking tool that allows users to record and monitor their income and expenses. The Services are provided for informational and personal, non-commercial use only and are not intended for business, professional accounting, or any other commercial purposes. The App is a tool to assist with personal financial tracking and should not be relied upon as the sole source of information for financial decisions. The App does not provide financial, investment, accounting, tax, or legal advice and is not a substitute for professional advice from a qualified advisor.
Codechime makes no representations or warranties about the accuracy, completeness, reliability, or suitability of the information provided by the App. You are solely responsible for verifying the accuracy of any information entered into the App. Codechime does not guarantee the availability, accuracy, or reliability of the Services, and the Services may be subject to interruptions, delays, or errors.
You agree not to use the App for any unlawful purpose or in any way that violates these Terms. Prohibited conduct includes, but is not limited to:
Anonymized and aggregated data means data that has been stripped of any personally identifiable information, such that it cannot be linked back to you. Aggregated data is combined with data from other users to create statistical or summary information.
This license terminates when you delete your account or we terminate your access to the Services, except that we may retain and use anonymized and aggregated data that does not identify you personally for the purposes described above even after termination. We may use anonymized and aggregated data for purposes such as improving the App's algorithms, conducting market research, and generating statistical reports. This anonymized data will not identify you personally.
The App and its content (excluding user-generated data) are owned by Codechime and are protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the App or its content without our prior written consent.
The App utilizes third-party services, including, but not limited to, Google AdMob for advertising, and Firebase Cloud Messaging (FCM) for push notifications. Your use of these third-party services is subject to their respective terms of service and privacy policies. Codechime is not responsible for the performance, availability, security, or content of these third-party services, and we disclaim all liability for any damages or losses arising from your use of them. We encourage you to review the terms and privacy policies of each third-party service you use. You acknowledge and agree that we may share necessary information with these third-party service providers to facilitate the Services, as described in our Privacy Policy. We strive to only use reputable third-party services with appropriate data protection measures in place, but we cannot guarantee their compliance with data privacy laws. The App may also utilize other third-party libraries, APIs, and software components, each with their own terms and conditions and privacy policies.
The types of information we may share with these third-party service providers include technical data necessary for the service to function (e.g., device information for push notifications) and anonymized usage data for analytics. We do not share your financial transaction data with third-party advertising services.
To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, and quiet enjoyment. We do not warrant that the Services will be uninterrupted, error-free, secure, or that any defects will be corrected. We do not warrant the accuracy, completeness, or reliability of any information or content provided through the Services.
We may terminate your access to all or any part of the Services at any time, with or without cause, including for violations of these Terms. We will make reasonable efforts to notify you of termination, except where immediate termination is necessary to prevent harm to Codechime, other users, or third parties, or to comply with applicable law. Upon termination, your right to use the Services will immediately cease. We may, but are not obligated to, retain your data for a reasonable period for backup, archival, audit, or legal purposes, as described in our Privacy Policy. You acknowledge that upon termination, you will no longer have access to the Services or any data associated with your account.
Survival: The following provisions shall survive any termination of these Terms: Sections 5 (User Content), 6 (Intellectual Property), 8 (Disclaimers and Limitations of Liability), 11 (Governing Law), 14 (Entire Agreement).
If your account is terminated, you may appeal the termination by contacting us via email at info@codechime.com. We will review your appeal and respond within 7 business days.
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles. You and Codechime agree to submit to the exclusive jurisdiction of the courts located in Cebu City, Philippines, to resolve any legal matter arising from these Terms. To the extent permitted by applicable law, you agree that any cause of action arising out of or related to these Terms or the Services must commence within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.
Any dispute arising out of or relating to these Terms, including disputes regarding their interpretation, validity, or breach, shall be resolved through binding arbitration in Cebu City, Philippines. The language of the arbitration shall be English. The decision of the arbitrator shall be final and binding on both parties. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or confidential information.
You and Codechime agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You and Codechime each waive any right to participate in a class action lawsuit or class-wide arbitration.
These Terms are intended to comply with Philippine law. If any provision of these Terms is found to be invalid or unenforceable under the laws of your jurisdiction, such provision shall be interpreted to the maximum extent permissible under such laws to effect the intent of these Terms, and the remaining provisions shall remain in full force and effect. However, nothing in these Terms shall be construed to limit any mandatory rights you may have under the laws of your jurisdiction.
We may update these Terms from time to time to reflect changes in our Services or legal requirements. We will notify you of any material changes by posting the updated Terms within the App and/or through a prominent in-app notification. We will also update the “Effective Date” at the top of these Terms.
We will notify you of any material changes by posting the updated Terms within the App (e.g., through a pop-up notification upon app launch, a banner within the app, or a notification in your profile/settings section) and/or, if appropriate, via email to the address associated with your account.
Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Services. It is your responsibility to review these Terms periodically for changes.
If you have any questions about these Terms, please contact us at:
info@codechime.com
These Terms constitute the entire agreement between you and Codechime regarding your use of the App and supersede any prior agreements between you and Codechime relating to the App.
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Codechime to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms shall remain in full force and effect, and the invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. If such modification is not possible, the invalid or unenforceable provision shall be severed from these Terms, and the remaining provisions shall be enforced.
The headings in these Terms are for convenience only and shall not affect their interpretation.
You may not assign or transfer these Terms or any rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms or any rights or obligations under these Terms, in whole or in part, without your consent.