Terms of Service

To use MyBankScan, you must create an account by providing:

• A valid email address
• Your name
• A secure password

You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account

We are not liable for any loss or damage arising from your failure to maintain account security.

You may not:

• Create multiple accounts for the same individual
• Share your account credentials with others
• Transfer or sell your account to another person
• Use another user's account without permission

MyBankScan and all related software, technology, trademarks, logos, and content (excluding user-generated content) are owned by us or our licensors. This includes:

• The MyBankScan website and application
• All design elements, graphics, and user interfaces
• Our proprietary algorithms and categorization systems (subject to third-party AI services)
• All documentation and content we provide

These Terms do not grant you any right, title, or interest in our intellectual property except as expressly stated for use of the service.

You retain all ownership rights to your transaction data and any content you upload to MyBankScan. By using our service, you grant us a limited license to:

• Process your data to provide the services you've requested
• Store your transaction data on our secure servers
• Use anonymized, aggregated data for service improvement (with no personally identifiable information)

This license terminates when you delete your data or close your account.

We strive to maintain high service availability, but we do not guarantee uninterrupted access to MyBankScan. The service may be unavailable due to:

• Scheduled maintenance
• Technical difficulties or system failures
• Circumstances beyond our reasonable control
• Security or safety concerns

We reserve the right to:

• Modify, update, or discontinue features of the service
• Change pricing structures for current or future premium features
• Impose usage limits or restrictions

We will provide reasonable notice of material changes where practicable.

MyBankScan currently operates on a freemium model, offering basic features at no charge. We may introduce premium paid features in the future.

If and when we introduce paid features:

• We will clearly communicate pricing, features, and payment terms
• You will have the option to upgrade to paid plans voluntarily
• Free tier features will remain available to non-paying users
• Payment processing will be handled securely through Stripe
• Separate terms may apply to paid subscriptions

When paid features are introduced, our refund policy will be clearly stated at the time of purchase. Unless otherwise required by law, all sales will be final once services are delivered.

You agree not to use MyBankScan to:

• Violate any applicable laws, regulations, or third-party rights
• Upload malicious code, viruses, or any harmful software
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the service or servers
• Use automated systems (bots, scrapers) without our express written permission
• Reverse engineer, decompile, or attempt to extract source code
• Upload data that you do not have the right to process
• Use the service for any fraudulent or illegal activity

We reserve the right to investigate violations of these Terms and take appropriate action, including:

• Removing content that violates these Terms
• Suspending or terminating accounts
• Reporting illegal activity to law enforcement
• Taking legal action against violators

You may terminate your account at any time by:

• Deleting your account through account settings, or
• Contacting us at mybankscan@gmail.com

Upon termination, all your personal data and transaction information will be permanently deleted from our systems.

We reserve the right to suspend or terminate your access to MyBankScan at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Technical or security reasons
• Discontinuation of the service

Upon termination:

• Your right to access the service immediately ceases
• Provisions of these Terms that by their nature should survive (including disclaimers, limitations of liability, and indemnification) will remain in effect
• If you have paid for premium features, refunds (if any) will be handled according to our refund policy

Before pursuing formal legal action, we encourage you to contact us at mybankscan@gmail.com to resolve any disputes informally. We commit to working with you in good faith to reach a fair resolution.

If informal resolution is unsuccessful, disputes may be resolved through binding arbitration in accordance with Australian arbitration laws, rather than through court proceedings.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us to be effective.