MarcoMan1. Agreement and eligibility
These Terms and Conditions govern your use of the MarcoMan mobile app, website, and related services (together, the “Service”). By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service. You must be legally capable of entering into these Terms.
2. What MarcoMan does
MarcoMan helps you organize and track information you enter about accounts, transactions, budgets, targets, and related activity. It may produce summaries, reminders, ratios, projections, and calculations based on that information.
3. Your account
Provide accurate registration details, keep them current, protect your device and sign-in information, and tell us promptly if you suspect unauthorized access. You are responsible for activity under your account except to the extent it results from our breach of these Terms or a legal duty that cannot be excluded.
4. Your data and storage choice
You are responsible for the accuracy of information you enter and for keeping any original records you may need. MarcoMan may offer LOCAL and SERVER storage choices. LOCAL data is kept on your device and may be lost if the device is lost, reset, or the app is removed. SERVER data is stored through our service so it can be retrieved as supported by the app. Changing storage type does not, by itself, guarantee that existing data is moved, merged, or backed up; follow any migration steps presented in the app.
You retain your rights in information you provide and give us only the limited permission needed to operate, secure, and support the Service as described in our Privacy Policy. We take reasonable steps to protect data, but no device, network, or system is completely secure.
5. Acceptable use
Do not use the Service unlawfully, attempt to access another person’s account or data, interfere with the Service, upload malicious code, or use automated methods that place an unreasonable load on it. You must have the right to enter or share any information you provide.
6. Features, availability, and backups
We may improve, change, suspend, or remove features, issue updates, or temporarily interrupt the Service for maintenance, capacity, security, legal, or operational reasons. We will try to give reasonable notice of material changes when practical. Some features may require a supported app version or internet connection.
Unless a feature expressly states otherwise, MarcoMan is not a guaranteed backup or archival service. Keep independent copies of information you cannot afford to lose. Paid features are not currently enabled; if introduced later, their prices and additional terms will be shown before purchase.
7. Financial information
Figures, summaries, reminders, and calculations in MarcoMan depend on the information available to the app and may be incomplete or incorrect. Verify important amounts against your bank statements and other primary records. Nothing in the Service is financial, tax, legal, or investment advice.
8. Intellectual property
We retain rights in the MarcoMan app, its design, and its software. You retain rights in content you provide. You grant us only the permission needed to operate the Service and handle that content according to your storage choice and applicable privacy information.
9. Ending use
You may stop using the app at any time and initiate account removal using the deletion option available in MarcoMan. The current flow removes associated server-side financial records and deactivates the account. Limited records may be retained where reasonably necessary for legal, security, fraud-prevention, or dispute-resolution purposes, as explained in the Privacy Policy. Removing the app may remove locally stored data.
We may restrict access if you seriously breach these Terms or if reasonably necessary to protect users, the Service, or comply with law.
10. Disclaimers and liability
We provide the Service with reasonable care and skill. To the extent permitted by applicable law, it is otherwise provided “as is” and “as available”, without a guarantee that it will always be uninterrupted, error-free, completely secure, compatible with every device, or suitable for every purpose.
To the extent permitted by law, MarcoMan is not liable for indirect, incidental, special, punitive, or consequential loss, or loss of profits, opportunity, goodwill, or data. Our aggregate liability arising from the Service will not exceed the greater of the amount you paid for the Service during the twelve months before the event giving rise to the claim or ₹1,000.
Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, gross negligence, breach of a duty that cannot legally be limited, or consumer rights and other liabilities that applicable law does not permit us to exclude.
11. Changes, governing law, and general terms
We may update these Terms as the Service or applicable requirements change. We will post the revised version with a new effective date and give additional notice where a change is material and notice is required. If you do not agree to revised Terms, stop using the Service and request account deletion.
These Terms are governed by the laws of India, subject to mandatory consumer protections and conflict-of-law rules that apply to you. Disputes will be handled by courts with lawful jurisdiction. If a provision is found unenforceable, the remaining provisions remain effective. A delay in enforcing a right is not a waiver.