Terms of Service

1. Acceptance of Terms

Welcome to LunaryInk. These Terms of Service ("Terms") govern your access to and use of the LunaryInk website located at lunaryink.com (the "Site"), including all content, features, tools, and services offered on or through the Site. By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.

These Terms constitute a legally binding agreement between you ("you" or "user") and LunaryInk ("we," "us," or "our"). We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

2. Description of Services

LunaryInk provides informational content related to personal finance tracking applications, including but not limited to:

• Detailed reviews and evaluations of personal finance apps
• Side-by-side comparison matrices and feature analyses
• Pricing breakdowns and long-term cost assessments
• Data security and privacy analyses of finance applications
• An interactive recommendation quiz to help users identify suitable apps
• Downloadable budgeting resources and worksheets
• Educational articles covering migration tips, platform comparisons, and financial planning guidance
• A newsletter service delivering app update alerts and new content notifications

3. Not Financial Advice

The content provided on LunaryInk is for general informational and educational purposes only. Nothing on this Site constitutes professional financial advice, investment advice, tax advice, or legal advice. Our app reviews, comparisons, recommendations, and articles are based on our independent research and testing and are intended to help you make informed decisions about personal finance tools.

You should always consult with a qualified financial advisor, accountant, or other professional before making any financial decisions. We do not guarantee that using any app recommended or reviewed on our Site will result in improved financial outcomes. Individual results will vary based on personal circumstances, usage patterns, and external factors beyond our control.

We make every effort to ensure the accuracy and timeliness of our content, but app features, pricing, availability, and policies change frequently. We cannot guarantee that all information on the Site is current at any given moment.

4. Intellectual Property Rights

All content on the Site, including but not limited to text, graphics, logos, icons, images, data compilations, software, and the design, selection, and arrangement thereof, is the exclusive property of LunaryInk or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may access and view the Site content for your personal, non-commercial use only. You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any Site content without our prior written permission
• Use any data mining, robots, or similar data gathering or extraction methods on the Site
• Download or copy any content for the benefit of a third party or commercial enterprise
• Frame or mirror any part of the Site without our express written consent
• Attempt to gain unauthorized access to any portion of the Site or its related systems

5. User Conduct

When using our Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable local, state, national, or international law
• Submit false, misleading, or inaccurate information through our contact forms or any other interactive features
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the operation of the Site or the servers or networks connected to the Site
• Transmit any viruses, worms, malware, or other harmful code through the Site
• Attempt to bypass any security measures implemented on the Site
• Use automated systems, including bots, scrapers, or spiders, to access the Site without our written permission
• Harvest or collect email addresses or other personal information from the Site

6. Affiliate Relationships and Disclosures

LunaryInk participates in affiliate programs with certain personal finance app providers. This means we may earn a commission when you click on an affiliate link on our Site and subsequently sign up for or purchase a product or service. These affiliate relationships are clearly disclosed on our Site.

Important points regarding our affiliate relationships:

• Affiliate commissions never influence our editorial content, ratings, rankings, or recommendations
• We maintain complete editorial independence from all affiliate partners
• We review and recommend apps that do not participate in affiliate programs when they merit inclusion
• Our scoring methodology is applied consistently regardless of affiliate status
• Clicking an affiliate link does not result in any additional cost to you

7. Third-Party Links and Content

The Site may contain links to third-party websites, applications, or services that are not owned or controlled by LunaryInk. We have no control over and assume no responsibility for the content, privacy policies, terms of service, or practices of any third-party websites or services. You acknowledge and agree that LunaryInk shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT, FEATURES, TOOLS, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LUNARYINK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT
• WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE SITE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LUNARYINK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE; (C) ANY CONTENT OBTAINED FROM THE SITE; OR (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100.00).

10. Indemnification

You agree to defend, indemnify, and hold harmless LunaryInk and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney fees) arising from: (a) your use of and access to the Site; (b) your violation of any term of these Terms; (c) your violation of any third-party right, including any copyright, trademark, property, or privacy right; or (d) any claim that your use of the Site caused damage to a third party.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Oregon, United States, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Multnomah County, Oregon, for the resolution of any disputes arising out of or relating to these Terms or your use of the Site.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and LunaryInk regarding your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: