Terms of Use

Welcome to MyPurse. By accessing or using our web application at mypurse.app or our mobile application (collectively, the "Service"), you agree to be bound by these Terms of Use ("Terms"). Please read them carefully.

If you do not agree to these Terms, you must not access or use the Service.

These Terms constitute a legally binding agreement between you ("User", "you") and MyPurse ("we", "us", "our"), governed by the laws of the Republic of the Philippines.

1. Acceptance of Terms

By creating an account, accessing, or using MyPurse, you confirm that:

• You have read, understood, and agree to be bound by these Terms
• You agree to our Privacy Policy, which is incorporated into these Terms by reference
• You have the legal capacity to enter into a binding agreement

We reserve the right to update these Terms at any time. We will notify you of material changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the updated Terms.

2. Description of Service

MyPurse is a personal finance management application that helps users track budgets, bills, credit cards, installments, savings goals, wallets, income sources, and cash flow — all in one place.

The Service is available via:

• Web application at webapp.mypurse.app
• Mobile application (iOS and Android)

3. User Accounts

Registration

To use MyPurse, you must create an account by providing accurate and complete information. You agree to:

• Provide truthful, current, and complete registration information
• Keep your account information updated
• Maintain the confidentiality of your password
• Notify us immediately at info@mypurse.app of any unauthorized use of your account

Account Responsibility

You are solely responsible for all activity that occurs under your account. MyPurse shall not be liable for any loss or damage arising from unauthorized access to your account due to your failure to keep your credentials secure.

One Account Per User

Each user may maintain only one active account. Creating multiple accounts to circumvent restrictions or abuse the Service is prohibited.

4. Free and Paid Features

Free Plan

MyPurse offers a free tier with access to core features. Free plan features and limitations may change at our discretion with reasonable prior notice to users.

Paid Plans

Certain advanced features require a paid subscription. By subscribing to a paid plan, you agree to:

• Pay the applicable fees at the time of subscription
• Authorize recurring charges to your chosen payment method
• Keep your payment information accurate and up to date

Billing and Renewals

Paid subscriptions are billed on a recurring basis (monthly or annually, depending on your selected plan). Your subscription will automatically renew at the end of each billing cycle unless you cancel before the renewal date.

Refund Policy

All payments are non-refundable except where required by applicable law. If you believe you were charged in error, contact us at info@mypurse.app within 7 days of the charge.

Price Changes

We reserve the right to modify pricing at any time. We will provide at least 30 days' notice before any price change takes effect for existing subscribers.

5. Acceptable Use

You agree to use MyPurse only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service for any illegal, fraudulent, or unauthorized purpose
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Reverse engineer, decompile, or disassemble any part of the Service
• Introduce viruses, malware, or any other harmful code
• Use automated tools (bots, scrapers) to access or collect data from the Service
• Impersonate any person or entity
• Use the Service to harass, abuse, or harm others
• Circumvent any security measures or access controls
• Resell, sublicense, or commercially exploit the Service without written permission

6. User Data and Privacy

Your use of MyPurse is subject to our Privacy Policy. By using the Service, you consent to the collection and use of your data as described therein.

You retain ownership of all financial data you enter into MyPurse. By using the Service, you grant MyPurse a limited, non-exclusive license to store and process your data solely for the purpose of providing the Service to you.

We will never sell your personal or financial data to third parties.

7. Intellectual Property

All content, features, design, code, logos, trademarks, and materials within MyPurse are the exclusive property of MyPurse and are protected by applicable intellectual property laws of the Philippines and international conventions.

You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes. This license does not include the right to:

• Copy, reproduce, or distribute any part of the Service
• Modify or create derivative works based on the Service
• Use MyPurse branding or trademarks without written permission

8. Account Suspension and Termination

Termination by You

You may delete your account at any time through the app settings or by contacting us at info@mypurse.app. Upon deletion, your data will be permanently removed within 30 days.

Termination by MyPurse

We reserve the right to suspend or permanently terminate your account at any time, with or without notice, if:

• You violate any provision of these Terms
• You engage in fraudulent, abusive, or illegal activity
• Your account has been inactive for more than 24 consecutive months
• We are required to do so by law or a government authority
• Continuing to provide the Service to you creates legal or security risk

Effect of Termination

Upon termination, your right to access the Service immediately ceases. We will delete your personal and financial data in accordance with our Privacy Policy. Any outstanding paid subscription fees are non-refundable upon termination for violations of these Terms.

9. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Uninterrupted, error-free, or secure access to the Service
• Accuracy or completeness of any content or data within the Service

We do not guarantee that the Service will be available at all times. Scheduled and emergency maintenance may result in temporary downtime.

10. Limitation of Liability

To the fullest extent permitted by Philippine law, MyPurse and its founders, officers, employees, and affiliates shall not be liable for any:

• Indirect, incidental, special, or consequential damages
• Loss of data, profits, revenue, or business opportunities
• Damages resulting from unauthorized access to or alteration of your data
• Damages arising from your reliance on information provided by the Service

Our total liability to you for any claim arising out of or related to these Terms or the Service shall not exceed the total amount you paid to MyPurse in the three (3) months preceding the claim.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to the proper courts of the Philippines with jurisdiction over the matter.

12. Compliance with Philippine Laws

MyPurse operates in compliance with applicable Philippine laws, including but not limited to:

• Republic Act No. 10173 — Data Privacy Act of 2012
• Republic Act No. 8792 — Electronic Commerce Act of 2000
• Republic Act No. 10175 — Cybercrime Prevention Act of 2012
• Republic Act No. 7394 — Consumer Act of the Philippines

Users are also expected to use the Service in compliance with all applicable local, national, and international laws.

13. Changes to These Terms

We may revise these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. For material changes, we will notify you via email or in-app notification at least 14 days before the changes take effect.

Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the changes.

14. Contact Us

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

• Email: info@mypurse.app
• Website: mypurse.app

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