1. Introduction

These Terms and Conditions govern your use of My Financial Freedom Tracker, a personal finance tracking web application operated by Dennis Vymer, an individual based in the Czech Republic.

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

2. Service Description

My Financial Freedom Tracker is a personal finance management tool that allows you to:

• Track income and expenses
• Import bank statements (PDF format)
• Categorize transactions
• Set and monitor budgets
• Track investment accounts and net worth
• View financial projections and analytics
• Set financial goals

IMPORTANT: This Service is a personal finance tracking tool only. It does NOT provide financial advice, investment recommendations, or professional financial planning services.

3. Account Registration and Security

You are solely responsible for maintaining the confidentiality of your login credentials, all activities that occur under your account, and notifying us immediately of any unauthorized use. We are not liable for any loss or damage arising from your failure to protect your account credentials.

4. Financial Disclaimer

THIS IS NOT FINANCIAL ADVICE.

The Service is designed for personal tracking and informational purposes only. Nothing in this Service constitutes financial advice, investment advice, tax advice, legal advice, or professional financial planning.

Any projections, forecasts, or estimates displayed (including net worth projections, investment growth calculations, and budget forecasts) are for illustrative purposes only, based on mathematical calculations, and are NOT guarantees of future performance.

Actual results may differ significantly from any projections shown. You are solely responsible for your own financial decisions.

5. Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. We do not guarantee that the Service will be available at all times, uninterrupted, or error-free.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE OPERATOR SHALL NOT BE LIABLE FOR any indirect, incidental, special, consequential, or punitive damages, loss of profits, revenue, data, or business opportunities, or financial losses resulting from use of or reliance on the Service.

6. Indemnification

You agree to indemnify, defend, and hold harmless the Operator from and against any claims, liabilities, damages, losses, costs, or expenses arising from your use of the Service, your violation of these Terms, or your financial decisions based on Service data.

7. Modifications to Terms

We reserve the right to modify these Terms at any time. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of the Czech Republic. Any disputes shall be subject to the exclusive jurisdiction of the courts of the Czech Republic.

9. Contact Information

For questions about these Terms, please contact:
Dennis Vymer
Email: vymerd@gmail.com