1. Acceptance of Terms

By downloading, installing, or using the Kostentracker application ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to use the App.

2. Description of Service

Kostentracker is an expense tracking application that allows users to:

• Record and manage personal expenses
• Categorize expenses
• Track recurring payments
• Store expense-related images
• Calculate costs over various time periods
• Customize currency settings

3. User Data and Privacy

3.1 Data Storage and Sync

• Your expense data and images are stored locally on your device and synchronized with iCloud
• Data synchronization requires an active iCloud account and sufficient iCloud storage
• While we use Apple's iCloud service for synchronization, we do not collect or store your data on our own servers
• You are responsible for managing your iCloud storage and backup settings

3.2 Personal Information

• The App does not collect any personal information
• Any images you add to expenses are stored locally on your device

4. User Responsibilities

You agree to:

• Provide accurate information when using the App
• Use the App for personal or business expense tracking purposes only
• Not use the App for any illegal activities
• Be solely responsible for any data you enter into the App
• Maintain the security of your device and the data stored within the App

5. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• The accuracy of expense calculations
• The availability or continuity of the App
• The accuracy of currency conversions
• The security of locally stored data

6. Limitation of Liability

6.1 Financial Decisions

• The App is a tool for tracking expenses only
• We are not responsible for any financial decisions you make based on the App's data
• We are not liable for any financial losses or damages resulting from the use of the App

6.2 Data Loss and Sync Issues

We are not liable for:

• Any loss of data due to device malfunction
• Corruption of data
• User error
• System updates or changes
• iCloud sync failures or conflicts
• Issues arising from insufficient iCloud storage
• Problems with Apple's iCloud service
• Data synchronization delays or inconsistencies

7. Modifications to the App

We reserve the right to:

• Modify or discontinue the App at any time
• Update these Terms of Service
• Change features or functionality
• Modify pricing (if applicable)

8. Image Storage

8.1 User Content

• You retain all rights to any images you add to the App
• You are responsible for ensuring you have the right to use any images you add
• We are not responsible for any copyright violations related to user-added images

8.2 Storage Limitations

• Image storage is limited by your device's available storage
• We are not responsible for any issues arising from device storage limitations

9. Accuracy of Calculations

9.1 Financial Calculations

• While we strive for accuracy, all calculations (including recurring expenses, monthly totals, and yearly projections) should be verified independently
• We are not responsible for any discrepancies in calculations

9.2 Currency Conversion

• Currency display is for reference only
• We are not responsible for any currency conversion inaccuracies

10. Termination

We reserve the right to terminate or suspend access to the App at any time, for any reason.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of your jurisdiction of residence, without regard to its conflict of law provisions.

12. Contact Information

For any questions about these Terms, please contact the app developer through the App Store contact information.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, 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.

14. Entire Agreement

These Terms constitute the entire agreement between you and the App provider regarding the use of the App.