Terms & Conditions

1. Acceptance of Terms

By accessing and using MyChurningVibe ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

MyChurningVibe is a personal financial tracking application that helps users manage and track financial offers, bonuses, and rewards from credit cards, bank accounts, and merchant offers. The service is provided for personal, non-commercial use only.

3. User Accounts and Responsibilities

• You are responsible for maintaining the confidentiality of your account credentials
• You agree to provide accurate and complete information when creating your account
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account

4. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your personal information.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit any harmful, threatening, or offensive content
• Attempt to gain unauthorized access to our systems
• Use the service for commercial purposes without permission

6. Subscription and Billing

Some features of MyChurningVibe require a paid subscription. By subscribing to our premium tiers:

• You agree to pay all applicable fees as described on our pricing page ($2.99/month for Pro tier)
• Subscriptions automatically renew monthly unless cancelled
• You may cancel your subscription at any time through your account settings
• Cancellations take effect at the end of your current billing cycle - you will retain Pro access until the next billing date
• No refunds are provided for partial months or unused subscription time
• All subscription fees are non-refundable once charged
• You will receive email confirmation of subscription changes and billing

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of MyChurningVibe and its licensors. The Service is protected by copyright, trademark, and other laws.

8. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. MyChurningVibe makes no representations or warranties of any kind, express or implied, as to the operation of the Service or the information included therein.

9. Limitation of Liability

In no event shall MyChurningVibe be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

10. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

12. Contact Information

If you have any questions about these Terms & Conditions, please contact us through the application or via email.