Terms of Service

1. Acceptance of Terms

By accessing or using RelativeCost, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service. We reserve the right to modify these terms at any time, and your continued use constitutes acceptance of any changes.

2. Description of Service

RelativeCost is a financial visualization and cost comparison tool that helps users understand the relative cost of purchases in terms of their income and working time. The service provides educational insights, comparisons, and budget tracking features.

3. Not Financial Advice

You should consult with a licensed financial advisor before making any financial decisions. We are not licensed to provide financial advice in Australia or any other jurisdiction. Any calculations, comparisons, or insights generated by our service are based on information you provide and are for informational purposes only.

4. User Accounts

4.1 Account Creation

You must provide accurate and complete information when creating an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

4.2 Eligibility

You must be at least 18 years old to use this service. By creating an account, you represent that you meet this requirement.

5. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Use automated systems (bots, scrapers) without permission
• Impersonate others or provide false information
• Share or resell access to the service without authorization

6. Data Accuracy and Limitations

While we strive for accuracy, RelativeCost relies on:

• Information you provide (which may be inaccurate or incomplete)
• Public data sources (which may be outdated or incorrect)
• AI-generated estimates (which are approximations)
• Third-party data (over which we have no control)

We make no warranties about the accuracy, completeness, or reliability of any information, calculations, or insights provided through our service. You use the service at your own risk.

7. Intellectual Property

All content, features, and functionality of RelativeCost (including but not limited to text, graphics, logos, software, and design) are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. User Content

You retain ownership of any content you submit (calculations, budget data, custom profiles). By using our service, you grant us:

• A license to use, store, and process your content to provide the service
• The right to create aggregated, anonymized statistics for service improvement

We will not sell or share your personal financial data with third parties for marketing purposes.

9. Third-Party Services

Our service may integrate with third-party services (AI providers, analytics, hosting). We are not responsible for the practices or content of these third parties. Your use of third-party services is subject to their own terms and policies.

10. Fees and Payment

We may offer free and paid tiers of service. Paid features will be clearly indicated. By purchasing paid services:

• You agree to pay all fees as described
• Fees are non-refundable except as required by law
• We may change fees with notice
• You authorize automatic recurring charges if applicable

11. Disclaimers and Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Any financial losses or decisions made based on information from our service
• Indirect, incidental, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Service interruptions or errors
• Third-party actions or content

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim, or $100 AUD, whichever is greater.

12. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including legal fees) arising from your use of the service, violation of these terms, or infringement of any rights of another party.

13. Termination

We may suspend or terminate your account at any time for:

• Violation of these terms
• Fraudulent or illegal activity
• Non-payment of fees
• Any reason with notice

You may terminate your account at any time. Upon termination, your right to use the service ceases immediately.

14. Governing Law and Disputes

These terms are governed by the laws of Australia (specifically the State/Territory where we operate). Any disputes shall be resolved in the courts of that jurisdiction. You agree to submit to the personal jurisdiction of those courts.

15. Australian Consumer Law

Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot be excluded under the Australian Consumer Law or any other applicable law. To the extent permitted by law, our liability for breach of a non-excludable consumer guarantee is limited to resupplying the service or paying the cost of resupply.

16. General Provisions

16.1 Entire Agreement

These terms constitute the entire agreement between you and us regarding the service.

16.2 Severability

If any provision is found unenforceable, the remaining provisions will remain in effect.

16.3 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

16.4 Assignment

You may not assign or transfer these terms without our consent. We may assign these terms without restriction.

17. Contact Information

For questions about these Terms of Service, please contact us through the Contact form in the application footer.