Terms of Service

1. Acceptance of Terms

By accessing or using TCFlow ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

These Terms apply to all users of the Service. We reserve the right to update these Terms at any time. Continued use after changes constitutes acceptance of the updated Terms.

2. Description of Service

TCFlow is a personal finance tracking web application that allows you to:

• Record and categorize income, expense, and transfer transactions
• Manage asset and liability accounts with real-time balance tracking
• Set and monitor monthly and yearly budgets
• View financial reports, trends, and AI-powered insights
• Schedule and auto-post recurring transactions

The Service uses Google OAuth 2.0 for authentication (identity only) and stores all financial data in a private, isolated Turso database. You must have a valid Google account to sign in.

3. User Accounts and Eligibility

3.1 Eligibility

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

3.2 Google Account

Access to TCFlow requires a Google account for sign-in. You are responsible for the security of your Google account. TCFlow is not responsible for any loss resulting from unauthorized access to your Google account.

3.3 Account Responsibility

You are solely responsible for all activity under your account and for the accuracy of the financial data you enter into the Service.

4. Your Data

4.1 Data Ownership

All financial data you enter — transactions, accounts, budgets, categories, and settings — belongs to you. TCFlow does not claim any ownership over your financial records.

4.2 Data Storage

Your data is stored in a private Turso (libSQL) database, isolated to your account. No other user can access your data. Data is retained as long as your account is active.

4.3 Data Accuracy

TCFlow is a tool to help you track your finances. We do not verify or guarantee the accuracy of any data you enter. You are solely responsible for the accuracy and completeness of your financial records.

4.4 Data Export and Deletion

You can export your transactions as a CSV file at any time from the Transactions page. To permanently delete all your data, contact us and we will process the request within 30 days.

5. Acceptable Use

You agree not to use TCFlow to:

• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to the Service or its infrastructure
• Interfere with or disrupt the integrity or performance of the Service
• Transmit any malicious code, viruses, or harmful data
• Use the Service for any commercial purpose without prior written consent
• Attempt to reverse-engineer or extract the source code of the Service
• Use automated scripts or bots to access the Service at scale

6. Intellectual Property

The TCFlow name, logo, design, and source code are the intellectual property of TCFlow's developers. The source code is available on GitHub under its respective license.

You retain all rights to the financial data you enter. By using the Service, you grant us a limited, non-exclusive license to process your data solely for the purpose of providing the Service to you.

7. Disclaimer of Warranties

TCFlow is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Service will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or reliability of any financial calculations

TCFlow is not a financial advisor. Nothing in the Service constitutes financial, investment, tax, or legal advice. Always consult a qualified professional for financial decisions.

8. Limitation of Liability

To the maximum extent permitted by applicable law, TCFlow and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of data or financial records
• Loss of profits or revenue
• Errors in financial calculations or reports
• Unauthorized access to your account or data
• Service interruptions or downtime

Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid to use the Service (TCFlow is currently free).

9. Third-Party Services

TCFlow relies on the following third-party services, each governed by their own terms and policies:

• Google — Authentication (OAuth 2.0) and optional AI insights (Gemini API). See Google Terms of Service.
• Turso — Database hosting. See Turso Terms of Service.

We are not responsible for the practices or content of these third-party services.

10. Service Availability and Changes

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We are not liable for any modification, suspension, or discontinuation.

Since your data is stored in a private database, you can export your data before any discontinuation using the CSV export feature.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of the Service shall be resolved through good-faith negotiation before pursuing any legal remedies.

12. Contact

For questions about these Terms, please contact us: