1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and SikaNomics ("we," "us," or "our") governing your access to and use of the SikaNomics web application and related services (collectively, the "Service").

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must discontinue use of the Service immediately.

2. Eligibility

You must be at least 16 years of age to use the Service. By using SikaNomics, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

3. Account Registration & Security

To access certain features of the Service, you must register for an account by providing accurate and complete information. You are solely responsible for:

• maintaining the confidentiality of your login credentials;
• all activities that occur under your account;
• promptly notifying us of any unauthorized access or security breach.

We reserve the right to suspend or terminate any account that we reasonably believe has been compromised or is being used in violation of these Terms.

4. Description of the Service

SikaNomics is a personal finance management tool that enables you to record income and expense transactions, set financial goals, track spending by category, and view analytical insights derived from your data. The Service is provided for personal, informational use only.

5. User Data & Ownership

You retain all ownership rights in the data you input into the Service ("User Data"), including transaction records, goal information, and profile details. By using the Service, you grant us a limited, non-exclusive license to process, store, and display your User Data solely for the purpose of operating and improving the Service.

We do not claim any intellectual property rights over your User Data. You may export or request deletion of your data at any time, subject to applicable retention obligations.

6. Acceptable Use Policy

You agree not to engage in any of the following prohibited activities:

• attempting to gain unauthorized access to other users' accounts or data;
• using the Service for any unlawful, fraudulent, or malicious purpose;
• reverse-engineering, decompiling, or disassembling any part of the Service;
• introducing viruses, malware, or other harmful code;
• interfering with or disrupting the integrity or performance of the Service;
• scraping, data-mining, or using automated tools to access the Service without our prior written consent.

Violation of this policy may result in immediate suspension or termination of your account without prior notice.

7. Financial Disclaimer

SikaNomics is not a financial advisor, bank, or licensed financial institution. The Service provides tools for personal record-keeping and data visualization only. Any summaries, projections, insights, or goal-tracking features are for informational purposes and do not constitute financial, investment, tax, or legal advice.

You should consult a qualified financial professional before making any financial decisions. We expressly disclaim any liability for actions taken or not taken based on information presented by the Service.

8. Third-Party Services

The Service relies on third-party providers for infrastructure, authentication, and data storage. Your use of the Service is also subject to the terms and policies of these third-party providers. We are not responsible for any disruptions, data loss, or security incidents arising from third-party services.

9. Intellectual Property

All rights, title, and interest in and to the Service — including its design, logos, trademarks, source code, and documentation — are and shall remain the exclusive property of SikaNomics and its licensors. These Terms do not grant you any right to use our trademarks, branding, or other proprietary materials without prior written consent.

10. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of data.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

11. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall SikaNomics, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, goodwill, or other intangible losses — arising out of or in connection with your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claims arising under these Terms shall not exceed the amount you have paid us, if any, in the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless SikaNomics and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your infringement of any third-party rights.

13. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination — including but not limited to Sections 5, 7, 10, 11, 12, and 15 — shall survive.

You may terminate your account at any time by discontinuing use. You may request deletion of your account data by contacting us.

14. Modifications to the Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated by updating the "Effective date" at the top of this page. Your continued use of the Service after any modifications constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

15. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which SikaNomics operates, without regard to its conflict-of-law principles. Any disputes arising under or in connection with these Terms shall be resolved through good-faith negotiation. If negotiation fails, the dispute shall be submitted to binding arbitration in accordance with applicable arbitration rules, unless prohibited by local law.

16. Severability

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

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SikaNomics regarding the Service and supersede all prior or contemporaneous agreements, understandings, or communications, whether written or oral.

18. Contact

If you have any questions about these Terms, please reach out to us through the contact information provided on our website.