1. Acceptance of Terms
By downloading, installing, or using the LivyFlow application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
2. Description of Service
LivyFlow is a personal budgeting application that helps you manage your finances using zero-based budgeting principles. The App allows you to:
- Track income and expenses
- Create and manage budgets
- Set and monitor savings goals (with subscription)
- Manage multiple accounts
3. User Accounts
User accounts are optional. You can use LivyFlow and purchase subscriptions without creating an account. All your data is stored locally on your device.
If you choose to create an account using Sign in with Apple or Sign in with Google, you are responsible for:
- Maintaining the security of your account
- All activities that occur under your account
- Notifying us of any unauthorized use
Creating an account may enable future features like syncing data across devices, but it is not required for any current functionality.
4. Free and Paid Features
Free Features (Forever): Dashboard, Budget tracking, Transactions, Accounts, and up to 6 Savings Goals.
LivyFlow Pro Subscription ($4.99/month):
- Unlimited Savings Goals
- Priority customer support
5. Subscription Terms
No account required for purchases. You can purchase LivyFlow Pro without creating a user account. Your subscription is tied to your Apple ID, not a LivyFlow account.
If you choose to subscribe to LivyFlow Pro:
- Payment will be charged to your Apple ID account at confirmation of purchase
- Subscription automatically renews unless canceled at least 24 hours before the end of the current period
- Your account will be charged for renewal within 24 hours prior to the end of the current period
- You can manage and cancel your subscription in your App Store account settings
- Any unused portion of a free trial period will be forfeited when you purchase a subscription
- Your subscription is managed by Apple and can be restored on any device using the same Apple ID
6. Data and Privacy
Your financial data is stored locally on your device. We do not have access to your personal financial information. Please review our Privacy Policy for more details.
7. User Responsibilities
You agree to:
- Use the App only for lawful purposes
- Provide accurate information when creating an account
- Not attempt to reverse engineer or modify the App
- Not use the App to store or transmit malicious code
8. Disclaimer of Warranties
THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We do not guarantee that:
- The App will meet your specific requirements
- The App will be uninterrupted or error-free
- Any financial calculations or recommendations are accurate
LivyFlow is not a financial advisor. The App is a tool to help you track your finances. You should consult a qualified financial professional for financial advice.
9. Limitation of Liability
To the maximum extent permitted by law, LivyFlow shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the App, including but not limited to:
- Loss of data
- Financial losses based on App usage
- Business interruption
10. Intellectual Property
The App and its original content, features, and functionality are owned by LivyFlow and are protected by international copyright, trademark, and other intellectual property laws.
11. Termination
We may terminate or suspend your access to the App immediately, without prior notice, for conduct that we believe:
- Violates these Terms
- Is harmful to other users or third parties
- Is fraudulent or illegal
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last updated" date. Continued use of the App after changes constitutes acceptance of the new Terms.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
14. Contact Information
For questions about these Terms, please contact us at: