Privacy Policy & Terms of Service

Privacy Policy

This Privacy Policy applies to all applications and services developed by XyberCore. This includes mobile applications, web services, and any future products we develop. XyberCore maintains unified privacy standards across all products to ensure consistent protection and transparency for all users.

1. Information We Collect

We may collect the following types of information:

• Account Information: Name, email address, and profile details provided during registration or account setup.
• App Content: Data you create, upload, or store within our applications (transactions, lists, notes, etc.).
• Device Information: Device type, operating system, app version, and usage statistics.
• Technical Data: IP addresses, app logs, authentication tokens, and crash reports.
• Location Data: With your explicit permission, location information is collected only when you choose to use location-based features such as attaching a place to an expense. Location data is not collected in the background and can be disabled at any time.

2. How We Use Your Information

We use collected information to:

• Provide, maintain, and improve our applications and services.
• Personalize your experience and deliver relevant features.
• Communicate important updates, security alerts, or support messages.
• Analyze app performance, fix bugs, and develop new features.
• Ensure the security and integrity of our services.
• Comply with legal obligations and protect our rights.

3. Data Sharing and Disclosure

We do not sell your personal data to third parties. We may share information only in the following circumstances:

• With Your Consent: When you explicitly agree to share data with other users or third parties.
• Service Providers: With trusted partners who assist us in providing our services (hosting, analytics, customer support).
• Legal Requirements: When required by law, regulation, or legal process.
• Protection of Rights: To protect the rights, property, or safety of our company, users, or others.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

4. Data Security

We implement appropriate technical and organizational security measures to protect your data. These include encryption, access controls, and regular security assessments. However, no method of transmission over the internet or electronic storage is 100% secure.

5. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request access to the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal data.
• Portability: Request transfer of your data to another service.
• Restriction: Request restriction of processing your data.
• Objection: Object to certain types of processing.
• Withdraw Consent: Withdraw consent where processing is based on consent.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

8. Children's Privacy

Our applications are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting the new policy on our website or through in-app notifications.

Terms of Service

By accessing or using any application developed by XyberCore, you agree to be bound by these Terms of Service.

1. Acceptance of Terms

You must be at least 13 years old to use our applications. By using our apps, you represent that you are at least 13 years old and agree to these terms.

2. Account Registration and Security

You are responsible for:

• Providing accurate and complete registration information.
• Maintaining the confidentiality of your account credentials.
• All activities that occur under your account.
• Promptly notifying us of any unauthorized use of your account.

3. Acceptable Use

You agree not to use our applications to:

• Violate any applicable laws, regulations, or third-party rights.
• Engage in fraudulent, deceptive, or illegal activities.
• Upload or distribute viruses, malware, or other harmful code.
• Attempt to gain unauthorized access to our systems or other users' accounts.
• Harass, abuse, or harm other users.
• Reverse engineer, decompile, or disassemble any portion of our applications.
• Use our applications for any commercial purposes without our express consent.

4. Intellectual Property

All content, features, and functionality of our applications, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of XyberCore or its licensors and are protected by copyright, trademark, and other intellectual property laws.

5. User Content

You retain ownership of any content you create or upload to our applications. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content for the purpose of providing our services.

6. Third-Party Services

Our applications may integrate with or link to third-party services. We are not responsible for the content, privacy practices, or availability of these third-party services.

7. Disclaimer of Warranties

OUR APPLICATIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, XYBERCORE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR USE OR INABILITY TO USE OUR APPLICATIONS
• ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREIN
• ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR APPLICATIONS
• ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED THROUGH OUR APPLICATIONS

9. Indemnification

You agree to indemnify, defend, and hold harmless XyberCore and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses arising from your use of our applications or violation of these Terms.

10. Termination

We may suspend or terminate your access to our applications at any time, with or without cause, with or without notice. You may terminate your account at any time by contacting us or using the account deletion feature within the app.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable international laws, without regard to conflict of law principles.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes through our website or via in-app notifications. Continued use of our applications after changes constitutes acceptance of the new Terms.

13. Contact Information

For questions about these Terms, please contact us using the information provided in the Contact section below.

Contact Information

If you have any questions about our Privacy Policy or Terms of Service, please contact us: