Effective Date: Nov 10, 2024

1. Introduction

Welcome to Digital Piggy Bank app. By accessing or using our app, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use the app.

2. Use of the App

• Eligibility: You must be at least 18 years old or have the consent of a parent or guardian to use this app.
• Account Registration: To use certain features of the app, you may need to create an account. You agree to provide accurate and complete information during registration and to keep your account information up to date.
• Prohibited Activities: You agree not to use the app for any unlawful purpose, to interfere with the app’s operation, or to attempt to gain unauthorized access to any systems or networks connected to the app.

3. User Content

• Responsibility: You are responsible for any content you upload or submit through the app, including information about your child’s piggy bank ledger.
• License: By submitting content to the app, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and modify your content for the purpose of operating and improving the app.

4. Privacy

Your use of the app is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review the Privacy Policy to understand our practices.

5. Fees and Payments

The app may offer certain features or services for a fee. You agree to pay all applicable fees and charges associated with your use of these features or services.

6. Termination

We reserve the right to suspend or terminate your access to the app at any time, with or without notice, for any reason, including if you violate these Terms and Conditions.

7. Disclaimer of Warranties

The app is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not guarantee that the app will be error-free, uninterrupted, or free from harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the app.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of your use of the app or your violation of these Terms and Conditions.

10. Virtual Currency and Ledger Disclaimer

The digital piggy bank feature of our app uses virtual currency to represent funds. Please note that this virtual currency does not represent real money or actual funds. It is intended solely to provide a simulated experience of money management for educational purposes.

While our app allows users to track and visualize balances and transactions as if they were handling real funds, the money displayed in the app does not correspond to any real-world bank account, credit card, or other financial institution. It simply serves as a digital ledger to help users understand financial concepts in a safe and controlled environment.

No actual transactions, deposits, or withdrawals are conducted within our app, and no real money can be transferred into or out of the app. This system is designed exclusively to support financial learning without involving any real financial risk.

11. Changes to These Terms

We may update these Terms and Conditions from time to time. We will notify you of any changes by posting the updated terms on this page with an updated “Effective Date.”

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law principles.

13. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at support@digitalpiggybank.com.