Terms of Service | Pinclave

These Terms govern your use of the Fixed Deposit Tracker mobile application ("the App"), published by Pinclave. By downloading or using the App you agree to these Terms; if you don't agree, don't use the App.

1. What the App is

The App is an independent personal tool for recording your fixed deposits and estimating their maturity value and interest. It is a calculator and record-keeper that runs on your device.

2. Not a bank; no affiliation

Pinclave is not a bank, financial institution, broker, or licensed adviser, and is not affiliated with, endorsed by, or sponsored by any bank. Bank names you enter are the trademarks of their owners, used only to identify your own deposits.

3. Not financial, tax, or investment advice

Nothing in the App is a recommendation. You are responsible for your own decisions and should consult a professional and your bank.

4. Estimates only — verify with your bank

All maturity, interest, tax figures and dates are estimates and may differ from your bank's actual figures. Always confirm with your bank. We are not liable for differences or decisions made in reliance on the App.

5. Your data is your responsibility

Data is stored locally. Keep your device safe and your own backups. Uninstalling, clearing data, losing the device, or forgetting a backup password may permanently lose data. We can't recover it because we never have a copy.

6. Subscriptions and billing

The App may be offered by subscription with a free trial. Billing, renewals, and refunds are handled by the Apple App Store or Google Play under their terms. Subscriptions auto-renew until cancelled; manage or cancel in your store account (effective end of period). Trial terms are shown at purchase.

7. Licence and acceptable use

We grant you a personal, non-exclusive, non-transferable licence for personal, non-commercial use. Don't reverse engineer, resell, misuse, or use the App unlawfully.

8. Disclaimer of warranties

The App is provided "as is" and "as available", without warranties of any kind, to the maximum extent permitted by law.

9. Limitation of liability

To the maximum extent permitted by law, Pinclave is not liable for indirect, incidental, special, consequential, or punitive damages, or loss of data, profits, or financial loss. Where liability can't be excluded, it is limited to the amount you paid in the 12 months before the claim.

10. Termination

We may suspend or discontinue the App or update these Terms anytime. You may stop using it anytime by uninstalling.

11. Governing law

These Terms are governed by the laws of the jurisdiction in which Pinclave is established, without regard to conflict-of-laws rules.

12. Contact

Questions? Contact Pinclave at support@pinclave.com.