Terms of Service

Spectre Terms of Use

These terms explain how you may use Spectre and the commitments we make to respect your privacy, keep your data local, and provide a secure financial management experience.

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Acceptance

By accessing or using Spectre, you agree to these Terms of Use and the privacy practices published on the website. If you do not agree with these terms, please do not install or use the app.

Use of the App

Spectre is provided as a personal and business finance management tool. You may use it to record transactions, manage budgets, track debts, and review financial summaries.

Commercial resale, redistribution, or any unlawful use of Spectre is prohibited.

Offline Use

Spectre is designed to work without a network connection for its core functionality. Your financial data is stored locally on your device unless you explicitly choose to export it.

Ownership and License

Spectre and its branding are owned by Monecuer Inc. The app is licensed to you, not sold. You receive a limited, non-exclusive, non-transferable license to use Spectre on your device.

You may not copy, reverse engineer, redistribute, or modify Spectre except as expressly permitted by law.

Disclaimer

Spectre is provided "as is" without warranties of any kind. Monecuer Inc does not guarantee that the app will be error-free, uninterrupted, or fit for every purpose.

Spectre is not financial, investment, legal, or tax advice. Users should consult qualified professionals for those matters.

Limitation of Liability

To the fullest extent permitted by law, Monecuer Inc will not be liable for damages arising from your use of Spectre, including lost data, lost profits, or financial losses.

User Responsibilities

You are responsible for maintaining the security of your device, keeping your PIN and biometric protections safe, and backing up your data if needed.

You also agree to use Spectre lawfully and not to use it for prohibited activities.

Updates and Changes

Spectre may update these terms from time to time. Continued use of the app signifies acceptance of changes.