Welcome to CloudBalance! By accessing or using our platform, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using the CloudBalance website or any of its services.

1. Acceptance of Terms

By creating an account, accessing, or using any of CloudBalance’s services, you agree to be bound by these Terms of Use, including any additional terms and conditions or policies referenced herein. If you do not agree with any part of these terms, please do not use the service.

2. Services Provided

CloudBalance is a Software-as-a-Service (SaaS) platform that provides financial management tools to help businesses and individuals track, manage, and optimize their financial performance. The services include, but are not limited to, budget tracking, expense monitoring, reporting, forecasting, and integration with third-party accounting software.

3. User Accounts

To access CloudBalance’s services, you must create an account. You agree to provide accurate, complete, and updated information during the registration process and to keep your account information confidential. You are responsible for all activities that occur under your account and for safeguarding your password. CloudBalance will not be liable for any loss or damage arising from unauthorized use of your account.

4. Subscription and Fees

CloudBalance offers various subscription plans, including free and paid tiers. By subscribing to any paid services, you agree to pay the fees associated with the selected plan. Fees are charged on a recurring basis, and failure to pay may result in the suspension or termination of your account. CloudBalance reserves the right to modify its subscription plans and pricing at any time, but such changes will not affect current subscriptions until the next billing cycle.

5. Free Trial

CloudBalance may offer a free trial period for new users. The duration and scope of the free trial will be determined by CloudBalance and is subject to change or discontinuation at any time. At the end of the trial period, you will need to subscribe to a paid plan to continue using the service.

6. Use of the Platform

You agree to use CloudBalance only for lawful purposes and in accordance with these Terms of Use. You are prohibited from:

• Using the platform for any illegal or unauthorized purposes.
• Attempting to interfere with or disrupt the platform’s operation or security.
• Using automated systems or software to access the platform without written permission.
• Misrepresenting your affiliation with any person or entity.

7. Data Security and Privacy

Your use of CloudBalance is also governed by our Privacy Policy, which outlines how we collect, use, and protect your data. CloudBalance uses industry-standard encryption and security measures to safeguard your financial information. However, we cannot guarantee complete security, and you agree to use the platform at your own risk.

8. Data Ownership and License

You retain ownership of the financial data you upload to CloudBalance. By using the service, you grant CloudBalance a non-exclusive, worldwide, royalty-free license to use, store, and process your data as necessary to provide the service. This license is revoked upon termination of your account, and we will delete your data following our retention policy.

9. Third-Party Integrations

CloudBalance may integrate with third-party services (e.g., accounting software, payment platforms) to enhance the functionality of the platform. By using such integrations, you agree to comply with the third party’s terms of service. CloudBalance is not responsible for any issues arising from third-party service providers.

10. Intellectual Property

All intellectual property rights in and to the CloudBalance platform, including but not limited to software, trademarks, logos, and design, are the sole property of CloudBalance or its licensors. You agree not to copy, modify, distribute, or create derivative works based on any part of CloudBalance without express written permission.

11. Disclaimer of Warranties

CloudBalance is provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied. CloudBalance does not warrant that the service will be uninterrupted, error-free, or completely secure. To the maximum extent permitted by law, CloudBalance disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

12. Limitation of Liability

To the fullest extent permitted by law, CloudBalance shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use or inability to use the platform, even if CloudBalance has been advised of the possibility of such damages. In no event shall CloudBalance’s total liability exceed the fees paid by you in the preceding 12 months.

13. Termination

CloudBalance reserves the right to suspend or terminate your account at any time, with or without cause, for violating these Terms of Use or for any other reason. Upon termination, your right to use the platform will cease, and any outstanding fees will become immediately due.

14. Changes to Terms

CloudBalance may revise these Terms of Use at any time by posting the updated terms on its website. Continued use of the platform after such changes constitutes acceptance of the revised terms. We encourage you to review the terms regularly.

15. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of law principles. Any disputes arising from or related to these terms will be subject to the exclusive jurisdiction of the courts in [Insert Location].

16. Contact Information

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

• Email: support@cloudbalance.co