Terms of Service

These Terms govern your use of TuMu. By creating an account or using TuMu, you agree to these Terms.

1. Service

TuMu provides household financial tracking features, including expenses, budgets, summaries, child profiles, and document uploads.

2. Eligibility and Accounts

You must provide accurate information and keep credentials secure. You are responsible for activity on your account.

3. Acceptable Use

You must not use TuMu for unlawful activity, unauthorized access attempts, malware distribution, or abuse of the service.

4. User Content

You retain ownership of uploaded data/documents and grant us a limited license to process content to provide TuMu services.

5. Data Accuracy and Decisions

TuMu is a financial tracking tool and does not provide legal, tax, or financial advice.

6. Availability and Changes

We may modify features, perform maintenance, or discontinue parts of the service.

7. Termination

We may suspend/terminate accounts for Terms violations, security risk, or legal requirements.

8. Disclaimer

TuMu is provided "as is" and "as available" without warranties to the maximum extent permitted by law.

9. Limitation of Liability

To the extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages.

10. Governing Law

These Terms are governed by applicable law in your operating jurisdiction unless otherwise required by consumer law.

11. Changes

We may update these Terms. Continued use after updates means acceptance of revised Terms.

12. Contact

Support and legal contact: support@tumu.co.za (replace with your official address).