Terms of Service — King Sharif

1. Acceptance of Terms

By accessing or using Ctroom ("the App"), you agree to be bound by these Terms of Service. The App is built and maintained by King Sharif (sharifahmed.dev@gmail.com).

2. Description of Service

Ctroom is a personal finance dashboard designed for the exclusive personal use of its creator. It connects to bank accounts via Plaid and Teller APIs to display transactions, account balances, budgets, recurring payments, savings goals, and financial insights.

The App is not a public service. It does not accept registrations from the general public, does not provide financial advice, and is not regulated as a financial institution.

3. Personal Use Only

The App is intended solely for personal, non-commercial use by its owner. Access is restricted to authenticated users only. Unauthorized access or use of this App is strictly prohibited.

4. Financial Data & Third-Party Connections

The App connects to financial institutions through Plaid and Teller. By using these integrations, you also agree to their respective terms of service:

The App retrieves financial data for display purposes only. It does not initiate payments, transfers, or any financial transactions on behalf of users.

5. Data Accuracy

Financial data displayed in the App is sourced from connected bank accounts via third-party APIs. The accuracy of this data depends on the reliability of those APIs and the connected financial institutions. The App makes no guarantee that displayed balances, transactions, or categorizations are accurate or complete.

The App is not a substitute for official bank statements. Always verify important financial information directly with your financial institution.

6. No Financial Advice

Nothing in the App constitutes financial, investment, tax, or legal advice. AI-generated insights within the App are informational only and should not be relied upon for financial decisions. Consult a qualified financial advisor for advice specific to your situation.

7. Disclaimer of Warranties

The App is provided "as is" without warranties of any kind, either express or implied. The creator does not warrant that the App will be uninterrupted, error-free, or that defects will be corrected.

8. Limitation of Liability

To the fullest extent permitted by applicable law, King Sharif shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use the App, including any loss of data or financial loss.

9. Changes to These Terms

These Terms may be updated at any time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the App after changes constitutes acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of the State of Illinois, United States, without regard to conflict of law principles.

11. Contact

Questions about these Terms can be directed to sharifahmed.dev@gmail.com.