Terms of Service

Last updated: [PLACEHOLDER DATE]

This is placeholder legal text, not a reviewed policy. Replace the bracketed fields below and have it reviewed before publishing.

1. Agreement

By creating a Duckets account or using the service, you agree to these Terms. Duckets is operated by [PLACEHOLDER: Legal Entity Name] ("we," "us"), based in [PLACEHOLDER: Jurisdiction].

2. What Duckets Is

Duckets is a personal budgeting tool for organizing and tracking money you enter yourself. It does not connect to bank accounts, move real money, or provide financial, investment, tax, or legal advice.

3. Your Account

You're responsible for keeping your login credentials secure and for all activity under your account. You must provide accurate information and be legally able to enter into these Terms.

4. Acceptable Use

You agree not to:

Use Duckets for any unlawful purpose.
Attempt to gain unauthorized access to another account or to Duckets' systems.
Interfere with or disrupt the service.

5. Termination

You may stop using Duckets and request account deletion at any time. We may suspend or terminate accounts that violate these Terms.

6. Disclaimer & Limitation of Liability

Duckets is provided "as is" without warranties of any kind. To the fullest extent permitted by law, [PLACEHOLDER: Legal Entity Name] is not liable for any indirect, incidental, or consequential damages arising from your use of the service.

7. Changes to These Terms

We may update these Terms from time to time. Continued use of Duckets after changes take effect constitutes acceptance of the updated Terms.

8. Governing Law

These Terms are governed by the laws of [PLACEHOLDER: Jurisdiction], without regard to conflict-of-law principles.

9. Contact

Questions about these Terms? Contact us or email [PLACEHOLDER: Contact Email].