Terms and Conditions

1. Definitions

• Vanko: Refers to the mobile and desktop application developed for personal and small business financial management, including all its features and functionalities.
• Vankos: Refers to the community of Vanko users, contributors, and enthusiasts.
• You or User: Refers to any individual or entity accessing or using Vanko.

2. Acceptance of Terms

By using Vanko, you agree to these Terms and Conditions. If you do not agree, you must uninstall the application and cease use.

3. Application Use

3.1. License

Vanko grants you a personal, non-transferable, non-exclusive license to use the app for personal or small business financial management purposes.

3.2. Prohibited Use

You agree not to:

• Reverse engineer, decompile, or modify Vanko.
• Use the app for illegal activities.
• Exploit the app in ways not intended, such as reselling it as your own product.

4. Community Guidelines (Vankos)

As part of the Vankos community, you agree to:

• Be respectful in discussions (e.g., on Discord).
• Share constructive feedback and ideas to improve the app.
• Avoid posting offensive, illegal, or harmful content in community spaces.

5. Data and Privacy

5.1. Offline-First Approach

Your financial data is primarily stored on your device. You may opt to sync data via a secure cloud service, which is subject to the Privacy Policy.

5.2. User Responsibility

You are responsible for keeping your data secure, including device security and backup.

6. Limitation of Liability

• Vanko is provided "as is." We do not guarantee error-free operation or that the app will meet your specific needs.
• Vanko is not liable for any financial losses resulting from your use of the app.
• Always consult a financial advisor for critical financial decisions.

7. Updates and Modifications

Vanko reserves the right to:

• Modify or discontinue features of the app without notice.
• Update these Terms and Conditions. Continued use of the app after updates signifies your agreement to the changes.

8. Intellectual Property

All rights, title, and interest in the app, including all its content, belong to Vanko Inc. You are granted no ownership rights in the app or its content.

9. Termination

Vanko may terminate your access to the app at any time for any violation of these Terms and Conditions. You can also uninstall the app at any time.