Terms of Use

1. Introduction

Welcome to TrakApps ("we," "our," or "us"). These Terms of Use ("Terms") govern your use of our services, including MoneyTrak and FreightTrak applications ("Services"), operated by TrakApps. By accessing or using our Services, you agree to be bound by these Terms.

2. Acceptance of Terms

By creating an account or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Services.

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.

3. Account Registration and Security

To use certain features of our Services, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

4. Financial Data and Third-Party Integration

Data Processing: We process your financial data to provide budgeting, categorization, and financial insights. All financial data is encrypted client-side before being stored on our servers.

Account Linking: When you link your bank accounts, you authorize us to access account balances, transaction history, and account details necessary to provide our Services.

5. Use of Services

You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Services for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Services or servers
• Use automated tools to access the Services without permission
• Share your account credentials with others
• Use the Services to transmit malicious code or conduct fraudulent activities

6. Data Security and Encryption

We implement industry-standard security measures to protect your data:

• Client-Side Encryption: Your sensitive financial data is encrypted on your device before transmission
• Secure Storage: All data is stored using bank-grade encryption standards
• Access Controls: We implement strict access controls and audit trails
• Regular Security Audits: We conduct regular security assessments and updates

While we implement robust security measures, no system is 100% secure. You acknowledge that you use our Services at your own risk.

7. Subscription and Payments

Some features of our Services require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees as described in our pricing plans
• Automatic renewal of your subscription unless cancelled
• Provide accurate billing information and keep it updated
• Our right to change subscription pricing with 30 days' notice

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period.

8. Intellectual Property

The Services and all content, features, and functionality are owned by TrakApps and are protected by copyright, trademark, and other intellectual property laws.

You retain ownership of your personal data and financial information. By using our Services, you grant us a limited license to process your data solely to provide the Services.

9. Disclaimer and Limitation of Liability

10. Termination

We may terminate or suspend your account and access to the Services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Upon termination, your right to use the Services will cease immediately. We will provide you with the ability to export your data for a reasonable period following termination.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or through our Services. Continued use of the Services after changes constitutes acceptance of the new Terms.

12. Contact Information

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