Template notice: Review these terms with a legal professional and replace all [PLACEHOLDER] fields before publishing.

Last updated: May 2025

Please read these Terms of Service ("Terms") carefully before using Chronopay ("App"), operated by [YOUR NAME / COMPANY NAME] ("we," "us," or "our"). By downloading or using the App, you agree to be bound by these Terms.

1. Use of the App

Chronopay is licensed to you, not sold. You may use the App for your personal, non-commercial purposes. You agree not to:

2. No Financial Advice

Chronopay is a personal organizational tool. It does not provide financial, investment, legal, or tax advice. Always consult a qualified professional for financial decisions. We are not responsible for any financial decisions you make based on information entered into the App.

3. Data Accuracy

You are responsible for the accuracy of the information you enter into Chronopay. The App displays information you provide and performs calculations based on that data. We make no warranty that calculations are accurate or suitable for any particular financial purpose.

4. Intellectual Property

The App and its original content, features, and design are owned by [YOUR NAME / COMPANY NAME] and are protected by applicable intellectual property laws. You retain ownership of all data you enter into the App.

5. Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the App will be uninterrupted, error-free, or free of viruses.

6. Limitation of Liability

To the maximum extent permitted by law, [YOUR NAME / COMPANY NAME] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, arising out of your use of the App.

7. App Store Terms

Your use of Chronopay is also subject to Apple's App Store Terms of Service, which are incorporated into these Terms by reference.

8. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of the App after changes constitutes your acceptance of the new Terms.

9. Governing Law

These Terms are governed by the laws of [YOUR STATE / COUNTRY], without regard to conflict of law provisions.

10. Contact