Terms of Service

1. Acceptance of Terms

By downloading, installing, or using the Ma Do application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

We reserve the right to modify these Terms at any time. Material changes will be communicated via the App or email at least 30 days before taking effect. Your continued use of the App after changes take effect constitutes acceptance of the revised Terms.

2. Description of Service

Ma Do is a personal finance management application that provides:

• AI-powered financial assistant ("Mado") for budgeting guidance and financial planning
• Income and expense tracking with recurring transaction support
• Financial goals, projects, and wish list management
• Multi-currency support and financial analytics
• Smart notifications and reminders

The App is available on Android. Additional platforms may be supported in the future.

3. Account and Eligibility

You must be at least 13 years of age to use the App. By using the App, you represent and warrant that you meet this age requirement.

You are responsible for maintaining the security of your account credentials. You must notify us immediately of any unauthorized use of your account.

One person or entity may not maintain more than one free account.

4. Ma Do VIP Subscriptions

Ma Do offers a free tier and a premium tier called Ma Do VIP. VIP subscriptions are processed through Google Play and are subject to the following terms:

Subscription Tiers:

• Monthly: $5.00 USD per month, automatically renewed each month
• Yearly: $50.00 USD per year, automatically renewed annually
• Lifetime: $500.00 USD one-time purchase

Billing and Renewal:

• Monthly and yearly subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period
• Payment is charged to your Google Play account at confirmation of purchase
• You may manage or cancel your subscription through your Google Play account settings

Refunds:

• Refunds for subscriptions are handled in accordance with Google Play's refund policy
• Lifetime purchases are non-refundable except where required by applicable law

Promotional Discounts:

• We may offer promotional pricing from time to time at our discretion
• Promotional rates apply only for the stated promotional period and will revert to standard pricing thereafter unless otherwise specified

Price Changes:

• We reserve the right to modify subscription prices at any time
• Price changes will take effect at the start of your next billing cycle following at least 30 days' advance notice

5. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose or in violation of any applicable laws
• Attempt to reverse engineer, decompile, or disassemble the App or any of its components
• Circumvent or attempt to circumvent any security features or access controls
• Use the App to transmit malware, viruses, or other harmful code
• Attempt to gain unauthorized access to the App, other accounts, or connected systems
• Resell, sublicense, or distribute the App or its services without written authorization
• Use automated tools (bots, scrapers) to interact with the App or its services
• Impersonate another person or entity when using the App

6. Intellectual Property

The App, including its software, design, branding, and content, is owned by Ipepera and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes.

You retain ownership of all financial data and content you enter into the App. By using the App, you grant Ipepera a limited license to process this data solely for the purpose of providing and improving the service.

7. AI Disclaimer

The Mado AI assistant provides financial guidance and suggestions based on the information you share. Mado is not a licensed financial advisor, and the App does not constitute professional financial advice.

• AI-generated responses are informational only and should not be relied upon as the sole basis for financial decisions
• We do not guarantee the accuracy, completeness, or timeliness of AI-generated content
• You are solely responsible for evaluating and acting on any information provided by the App
• We recommend consulting a qualified financial professional for significant financial decisions

8. User Content and Data

You are responsible for the accuracy of the data you enter into the App. The App may store your financial data locally on your device and synchronize it with secure cloud services.

We will not access, use, or share your financial data except as necessary to provide and improve the service, or as required by law.

9. Limitation of Liability

To the maximum extent permitted by applicable law:

• The App is provided "as is" and "as available" without warranties of any kind, express or implied
• Ipepera shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Ipepera shall not be liable for any loss of profits, data, or business opportunities resulting from your use of the App
• Ipepera shall not be liable for any financial losses or decisions made based on information provided by the App
• Our total liability shall not exceed the amount you paid for the App in the twelve (12) months preceding the claim

10. Third-Party Services

The App uses third-party services including Google Firebase for authentication, AI processing, analytics, and security. Your use of these services is subject to their respective terms and policies:

• Google Terms of Service
• Firebase Privacy Policy

11. Termination

We may suspend or terminate your access to the App at any time, with or without cause, and with or without notice. Grounds for termination include but are not limited to:

• Violation of these Terms
• Abuse of the App or its services
• Behavior that is harmful to other users or the service

Upon termination, your right to use the App ceases immediately. You may request deletion of your data by contacting support@ipepera.com.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable international laws, without regard to conflict of law principles. Any disputes arising from these Terms or the use of the App shall be resolved through good-faith negotiation before any legal proceedings.

13. Severability

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

14. Contact

If you have questions about these Terms, please contact us at:

Email: support@ipepera.com

Developer: Ipepera