Terms of Service

Welcome to SC Flow. These Terms of Service ("Terms") constitute a legal agreement between you ("User," "you," or "your") and SC Flow ("we," "us," or "our") governing your use of the SC Flow mobile application (the "App"). By downloading, installing, or using the App, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the App. We reserve the right to modify these Terms at any time, and your continued use of the App after any changes constitutes acceptance of the modified Terms.

2. Description of Service

SC Flow is a personal finance tracking application that allows users to:

• Record and categorize expenses and income
• Set and monitor budgets
• View financial analytics and reports
• Attach receipt photos to transactions
• Create recurring transactions
• Track achievements and financial goals
• Manage multiple accounts

The App is provided as a tool for personal financial management and does not constitute financial, investment, tax, or legal advice.

3. User Eligibility

You must be at least 13 years of age to use this App. If you are under 18 years of age, you represent that you have obtained parental or guardian consent to use the App. By using the App, you represent and warrant that you meet these eligibility requirements.

4. User Responsibilities

As a user of the App, you agree to:

• Provide accurate information when using the App
• Use the App only for lawful purposes
• Not attempt to reverse engineer, modify, or create derivative works of the App
• Not use the App to transmit harmful, threatening, or illegal content
• Maintain the security of your device and any data stored within the App
• Not use the App in any manner that could damage, disable, or impair the App
• Comply with all applicable laws and regulations

5. Data and Privacy

Your privacy is important to us. The App primarily stores data locally on your device. Please review our Privacy Policy for detailed information about how we collect, use, and protect your information.

You are solely responsible for:

• The accuracy of the financial data you enter
• Backing up your data regularly
• Maintaining the security of your device
• Any decisions made based on the information provided by the App

6. Intellectual Property Rights

The App and its original content, features, and functionality are owned by SC Flow and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes.

You may not:

• Copy, modify, or distribute the App
• Use the App's trademarks or branding without permission
• Reverse engineer or attempt to extract the source code
• Remove any copyright or proprietary notices

7. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The App will be uninterrupted, error-free, or secure
• Any defects or errors will be corrected
• The App will meet your specific requirements
• The results obtained from using the App will be accurate or reliable

The App is not intended to replace professional financial advice. You should consult with qualified financial professionals before making financial decisions.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SC Flow SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, data, or other intangible losses
• Damages resulting from your use or inability to use the App
• Damages resulting from unauthorized access to your data
• Any financial losses or decisions made based on App data
• Any other matter relating to the App

Our total liability for any claims arising from or related to the App shall not exceed the amount you paid for the App, if any.

9. Indemnification

You agree to indemnify, defend, and hold harmless SC Flow and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the App

10. Third-Party Services

The App may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such third-party content or services.

11. Updates and Modifications

We reserve the right to modify, update, or discontinue the App at any time without prior notice. We may also release updates that contain new features, bug fixes, or security improvements. Your continued use of the App after any updates constitutes acceptance of any changes.

12. Termination

We may terminate or suspend your access to the App immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination:

• Your right to use the App will immediately cease
• You must delete any copies of the App from your devices
• Provisions of these Terms that should survive termination will remain in effect

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the App shall be resolved through binding arbitration or in the courts of competent jurisdiction.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SC Flow regarding your use of the App and supersede any prior agreements or understandings.

16. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]

Last Updated: March 2, 2026