1. Acceptance of Terms
By accessing or using YoCatetin (the "Service"), you agree to be bound by these Terms of Service. YoCatetin is an AI-powered financial tracking application that allows users to record expenses and income via WhatsApp, Telegram, or Discord. If you do not agree to these terms, please do not use our services.
2. Description of Service
YoCatetin provides an intelligent financial tracking platform that converts chat messages into expense and income records. Users can send simple messages to our WhatsApp, Telegram, or Discord bot (e.g., "Bought coffee 25k" or "Bonus 500k received"), and our AI automatically categorizes and stores the transactions. The service includes analytics, reporting, and insights to help users understand their spending patterns.
3. User Accounts
3.1 Registration
- You must provide accurate and complete information during registration
- You are responsible for maintaining the confidentiality of your account credentials
- You must be at least 18 years old (or the legal age in your jurisdiction) to use our services
3.2 Account Security
- You are responsible for all activities under your account
- Notify us immediately of any unauthorized use of your account
- We reserve the right to suspend or terminate accounts that violate these terms
4. Pricing and Billing
4.1 Available Plans
- Starter Plan: Unlimited messaging, AI categorization, daily/monthly summaries, and basic reports
- Pro Plan: All Starter features plus advanced analytics, budget planning, AI predictions, and priority support
- Advanced Plan: All Pro features plus multi-user management, API access, and dedicated support (coming soon)
4.2 Payment Terms
- Prices are in USD unless otherwise stated
- Payments are processed securely through Paddle
- Subscriptions renew automatically unless cancelled
- You can cancel anytime from your dashboard
4.3 Refund Policy
We offer a 14-day money-back guarantee for new subscriptions. Contact our support team within 14 days of your purchase for a refund.
5. Acceptable Use
You agree NOT to:
- Use the service for any illegal purpose or to violate any laws
- Infringe on intellectual property rights
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the service
- Reverse engineer, decompile, or disassemble the application
- Share your account credentials with others
You agree to:
- Use the service only for personal or business financial tracking
- Comply with all applicable laws and regulations
- Not violate the privacy or security of others
6. Intellectual Property
All rights, title, and interest in the YoCatetin application, including all content, features, and functionality, are owned by YoCatetin. Your license to use the Service does not grant you any ownership rights. You retain ownership of the financial data you input into the system.
7. Service Availability
- We strive to maintain service availability but do not guarantee uninterrupted access
- We may modify or discontinue features with or without notice
- We are not liable for service interruptions or data loss due to events beyond our control
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- The Service is provided "AS IS" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement
- We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
- Our total liability shall not exceed the amount you paid for the service in the past 12 months
9. Data and Privacy
Your financial data is processed securely and your personal information is handled according to our Privacy Policy. All data is encrypted in transit and at rest. License validation requires communicating with our servers to verify subscription status.
10. Indemnification
You agree to indemnify and hold harmless YoCatetin from any claims, damages, or expenses (including legal fees) arising from your use of the service or violation of these terms.
11. Termination
We reserve the right to:
- Suspend or terminate your account if you violate these Terms of Service
- Terminate accounts engaged in fraudulent activity or abuse
- Modify or discontinue the service at any time with notice
12. Changes to Terms
We reserve the right to modify these Terms of Service at any time. We will notify users of material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new terms.
13. Contact Information
For questions about these Terms of Service, please contact us at support@yocatetin.com or through our website.
14. Dispute Resolution
- These terms are governed by applicable laws
- Any disputes shall be resolved through binding arbitration
- You waive the right to participate in class-action lawsuits
15. Entire Agreement
These Terms of Service constitute the entire agreement between you and YoCatetin regarding the Service and supersede all prior agreements.
By using YoCatetin, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.