Terms of Service

Effective date: September 19, 2026

These Terms describe the basic rules for using Halaga. They should be reviewed by qualified counsel before a commercial launch or before being relied on as a final legal agreement.

1. Service

Halaga provides personal finance tracking, organization, planning and related software features. Features may change, be limited by plan, or be temporarily unavailable.

2. Not financial advice

Halaga is not a bank, broker, lender, insurer, investment adviser, tax adviser or other regulated financial professional. Halaga does not replace professional advice or official statements from financial institutions. You are responsible for your financial decisions.

3. Your account

You are responsible for keeping your account credentials and devices secure and for activity performed through your account. Do not share passwords, MFA secrets or recovery codes.

4. Your data

You retain responsibility for the accuracy of the information you enter. The current handling of personal and financial information is described in the Privacy Policy.

5. Premium and purchases

Paid Premium or other paid functionality is subject to the product terms presented at purchase and the applicable payment provider's rules. Purchase status is determined by verified payment records. Any promotional trial is subject to its displayed eligibility and duration.

6. Acceptable use

You must not attempt to bypass authentication, authorization, Premium controls, payment verification, rate limits or security controls; access another person's records; interfere with service operation; upload unlawful content; or use Halaga to facilitate fraud or abuse.

7. Availability and warranties

Halaga is provided on an as-available basis to the extent permitted by law. No promise is made that the service will be uninterrupted, error-free or suitable for every financial use case. Maintain independent copies of important records.

8. Account deletion

You may delete your account through Settings → Danger zone → Delete account. See the deletion page and Privacy Policy for details.

9. Changes or termination

Features or access may be changed, suspended or discontinued for security, operational or legal reasons. We will communicate material changes when appropriate.

10. Contact

Use the support channel available inside Halaga for service questions. Never send secret credentials or authentication codes through support.