TERMS OF USE

1. Acceptance of Terms

By creating an account, logging in, or using ONTIME F through our mobile application or website, you agree to comply with these Terms of Use and all applicable laws and regulations.

2. Eligibility

• You must be at least 13 years old.
• Users under the legal age in their country should use ONTIME F under parental or guardian supervision.
• You are responsible for complying with local financial regulations.

3. Your ONTIME F Account

You may access ONTIME F using Email OTP authentication, Apple Sign-In or Google Sign-In.

• Email verification.
• Google Sign-In.
• Apple Sign-In.
• Secure cloud authentication.

4. Financial Records

ONTIME F allows you to create and manage your personal financial records.

All financial records belong to you.

5. Data Ownership

You retain ownership of all financial information stored inside ONTIME F.

ONTIME F never claims ownership of your personal financial records.

6. Privacy & Security

• Encrypted authentication.
• Secure cloud storage.
• Authenticated user access only.
• Account deletion available upon request.

7. Premium Subscription

Some ONTIME F features require Premium purchased through Apple App Store or Google Play.

• Auto-renewable subscriptions.
• Billing handled by Apple or Google.
• Refund policy follows Apple or Google.

8. Acceptable Use

• No illegal activity.
• No fraudulent financial records.
• No abuse of ONTIME F infrastructure.
• No attempts to compromise security.

9. Intellectual Property

ONTIME F®, logo, interface, branding, icons and software are protected intellectual property.

10. Disclaimer

ONTIME F is a financial management application and does not provide investment, accounting, tax or legal advice.

11. Limitation of Liability

ONTIME F is provided “AS IS” without warranties of uninterrupted availability.

12. Changes to Terms

ONTIME F may update these Terms periodically. Continued use indicates acceptance of updated Terms.