Terms of Service

Last Updated: January 28, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of Income Stream Tracker's website, applications, tools, and services (collectively, the "Services"). By accessing or using our Services, you agree to these Terms and our Privacy Policy.

2. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you have the right, authority, and capacity to enter into these Terms.

3. Account Registration

To access certain features, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4. Subscription and Payments

4.1 Free and Paid Services

We offer both free and paid subscription plans. Paid plans may offer additional features or higher usage limits.

4.2 Billing

• Subscription fees are billed in advance
• Payments are non-refundable except as required by law
• We may change subscription fees with 30 days notice
• Auto-renewal unless cancelled before renewal date

4.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period.

5. User Responsibilities

5.1 Acceptable Use

You agree not to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Upload viruses or malicious code
• Attempt unauthorized access to our systems
• Interfere with other users' enjoyment
• Use Services for illegal financial activities

5.2 Financial Information

You are solely responsible for:

• Accuracy of financial data you input
• Your financial decisions based on our Services
• Maintaining backup copies of your data
• Verifying calculations and reports

6. Intellectual Property

6.1 Our Content

All intellectual property in our Services, including software, design, text, graphics, and logos, are owned by or licensed to us.

6.2 Your Content

You retain ownership of data you input. By using our Services, you grant us a license to store, process, and display your content solely for providing the Services.

6.3 Feedback

Any feedback, suggestions, or ideas you provide become our property without compensation.

7. Financial and Legal Disclaimer

7.1 No Guarantees

We do not guarantee:

• Accuracy of calculations or projections
• Profitability of income strategies
• Results from using our Services
• Availability of income opportunities

7.2 Tax Responsibilities

You are solely responsible for:

• Reporting income accurately to tax authorities
• Paying applicable taxes
• Maintaining proper records
• Consulting with tax professionals

8. Limitation of Liability

8.1 Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Indirect, incidental, or consequential damages
• Loss of profits, revenue, or data
• Financial losses from using our Services
• Third-party claims or actions

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from:

• Your use of our Services
• Violation of these Terms
• Infringement of third-party rights
• Your financial decisions or actions

10. Termination

We may suspend or terminate your access to our Services if you:

• Violate these Terms
• Engage in fraudulent activities
• Fail to pay subscription fees
• Create risk or legal exposure for us

11. Data Retention After Termination

Upon termination, we may retain your data for:

• Legal compliance (up to 7 years)
• Dispute resolution
• Service improvement
• Backup and recovery purposes

12. Third-Party Services

Our Services may integrate with or link to third-party services. We are not responsible for:

• Third-party terms or policies
• Third-party service availability
• Content or accuracy of third-party services

13. Modifications to Terms

We may modify these Terms at any time. We will notify you of material changes by:

• Email notification
• In-Service announcements
• Updating the "Last Updated" date

Continued use after changes constitutes acceptance.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of California, USA, without regard to conflict of law principles.

14.2 Dispute Resolution

Any disputes shall be resolved through binding arbitration in San Francisco, California, in accordance with AAA rules.

14.3 Class Action Waiver

You waive any right to participate in class actions or class arbitrations.

15. General Provisions

15.1 Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and us.

15.2 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

15.3 Assignment

You may not assign these Terms without our written consent. We may assign these Terms without restriction.

15.4 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

16. Contact Information

For questions about these Terms, contact us at:

Legal Department

Email: legal@incomestreamtracker.com

Address: 123 Financial District, Suite 100, San Francisco, CA 94105

Phone: +1 (555) 123-4567