1. Acceptance of Terms

By accessing and using Flatmate Expense Tracker, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use our service.

2. Description of Service

Flatmate Expense Tracker is a shared expense management platform that allows flatmates to track expenses, split bills, manage payments, and view balances. We provide tools for automating expense calculations, managing availability, and tracking staff salaries for shared living spaces.

3. User Accounts

To use our service, you must:

• Create an account with accurate and complete information
• Maintain the security of your account credentials
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized use
• Be at least 18 years old or have parental consent

4. Acceptable Use Policy

You agree NOT to use the service to:

• Submit fraudulent or misleading expense information
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit malicious code or viruses
• Harass, abuse, or harm other flatmates
• Impersonate any person or entity
• Access other users' data without permission
• Interfere with the service's operation

5. Data Accuracy and Responsibility

You must ensure that all expense information you submit is accurate and truthful. You are solely responsible for the accuracy of expense records, receipts, and payment information you provide. Misrepresentation of expenses or financial data may result in account termination.

6. Intellectual Property

The service and its original content, features, and functionality are owned by Netraga and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7. User Content

You retain all rights to your content (expense records, receipts, payment data, etc.). By using our service, you grant us a limited license to:

• Store and process your data to provide the service
• Use aggregated, anonymized data for analytics and improvement
• Display your content within the service interface

8. Service Availability

We strive to provide reliable service but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any part of the service at any time with or without notice.

9. Limitation of Liability

To the maximum extent permitted by law, Flatmate Expense Tracker and Netraga shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from your use of the service.

10. Indemnification

You agree to indemnify and hold harmless Flatmate Expense Tracker and Netraga from any claims, damages, losses, liabilities, and expenses arising from your use of the service or violation of these terms.

11. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice, for any breach of these Terms. Upon termination, your right to use the service will cease immediately.

12. Data Backup and Loss

While we implement backup procedures, you are responsible for maintaining your own backups of your data. We are not responsible for any data loss.

13. Modifications to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes. Your continued use of the service after changes constitutes acceptance of the new terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

15. Contact Information

If you have any questions about these Terms of Service, please contact us: