Legal Information

Terms of Service, Privacy Policy, and Disclaimers

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Terms of Service

Last updated: 7/27/2025

1. Acceptance of Terms

By accessing and using JoeMoney, you accept and agree to be bound by the terms and provision of this agreement.

2. Description of Service

JoeMoney is a personal finance tracking and projection tool that allows users to manage recurring transactions, track cash flow, and view financial projections. The service is provided for informational and educational purposes only.

3. No Financial Advice

JoeMoney does not provide financial advice, investment recommendations, or legal counsel. All information provided is for informational purposes only and should not be considered as professional financial advice.

4. User Responsibilities

  • You are responsible for the accuracy of all information you input
  • You must not use the service for any illegal or unauthorized purpose
  • You are responsible for maintaining the confidentiality of your account
  • You must not share your account credentials with others

5. Data and Privacy

We collect and process your data in accordance with our Privacy Policy. By using the service, you consent to our collection and use of your information as described in our Privacy Policy.

6. Limitation of Liability

JoeMoney, its developers, and affiliates shall not be liable for any damages arising from the use of this service, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages.

7. Termination

We may terminate or suspend your access to the service at any time, with or without cause, with or without notice.

8. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service constitutes acceptance of any changes.

Privacy Policy

Last updated: 7/27/2025

1. Information We Collect

  • Account information (email, password)
  • Financial data you input (transactions, balances, etc.)
  • Usage data and analytics
  • Technical information (IP address, browser type, etc.)

2. How We Use Your Information

  • To provide and maintain the service
  • To process your transactions and calculations
  • To improve our service and user experience
  • To communicate with you about the service
  • To comply with legal obligations

3. Data Security

We implement appropriate security measures to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

4. Data Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties, except as described in this policy or with your consent.

5. Your Rights

  • Access your personal information
  • Correct inaccurate information
  • Delete your account and data
  • Opt out of communications

6. Cookies and Tracking

We may use cookies and similar technologies to improve your experience and analyze usage patterns.

7. Third-Party Services

Our service may integrate with third-party services. We are not responsible for the privacy practices of these third-party services.

Regulatory Disclaimers

FINANCIAL REGULATORY NOTICE: JoeMoney is not registered with any financial regulatory authority including but not limited to the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulators. We are not a financial institution, investment advisor, broker-dealer, or insurance company.
INVESTMENT ADVISORY NOTICE: This application does not provide investment advice or recommendations. We do not analyze securities, make investment recommendations, or provide portfolio management services. Users should consult with registered investment advisors for investment-related decisions.
BANKING REGULATIONS: JoeMoney is not a bank or financial institution. We do not accept deposits, make loans, or provide banking services. We are not subject to banking regulations or FDIC insurance requirements.
INSURANCE NOTICE: We do not provide insurance products or services. Users should consult with licensed insurance professionals for insurance-related needs.

Contact Information

If you have any questions about these legal documents, please contact us:

Email: legal@joemoney.app

Response Time: We aim to respond to legal inquiries within 5 business days.