Last Updated: 20/09/2025

Welcome to SapaGuard! By using our app, you agree to the following terms. Please read carefully.

1. What We Do

SapaGuard is a budgeting and expense tracking app. We help you plan, log, and analyze your spending. We are not a bank, savings, or investment platform.

2. Your Responsibilities

• Enter accurate information for your budgets and expenses.
• Keep your passcode secure.
• Don’t misuse the app (e.g., trying to hack or break it).

3. Accounts & Security

• A 6-digit passcode is required to secure your account.
• You are responsible for any activity under your account.
• If you suspect unauthorized access, change your passcode immediately.

4. Free & Premium

Currently, SapaGuard offers free access. Premium features may be introduced later with separate terms.

5. Limitations of Liability

• SapaGuard provides insights based on the data you enter.
• We do not guarantee financial outcomes or savings.
• We are not responsible for losses or damages arising from how you use the app.

6. Governing Law