Terms of Service

1. About Skeer

Skeer is a personal finance management application. It helps you track income and expenses, manage budgets, and monitor debts. Skeer is a tool to help you organise your financial information. It does not provide financial advice, investment advice, tax advice, or any regulated financial service. Any decisions you make based on information in the app are entirely your own responsibility.

2. Who operates Skeer

Skeer is operated by Skeer, Westerkade 40, 3511HC Utrecht, Netherlands. References to "we", "us", or "our" in these terms refer to this entity. You can contact us at support@skeerapp.com.

3. Your account

The Free plan requires no account. To use Skeer Pro (cloud sync, web dashboard, auto backup), you must create an account with a valid email address and password.

• You are responsible for keeping your login credentials secure.
• You must be at least 16 years old to create an account.
• One account may be used on multiple devices belonging to you personally. Sharing an account with other people is not permitted.
• You are responsible for all activity that occurs under your account.

4. Skeer Pro subscription

4.1 Pricing

Skeer Pro is available as a monthly subscription (€2.99/month) or an annual subscription (€24.99/year), inclusive of any applicable VAT. Prices may change; we will give you at least 30 days notice of any price increase.

4.2 Billing

Subscriptions are billed through the Apple App Store. Apple's payment terms apply. We do not process or store your payment information directly. Your subscription renews automatically unless cancelled at least 24 hours before the end of the current period.

4.3 Cancellation

You can cancel your Pro subscription at any time through your Apple ID settings. Cancellation takes effect at the end of the current billing period. You retain Pro access until then. We do not offer pro-rata refunds for partial periods, except where required by applicable law.

4.4 Refunds

Refund requests are handled by Apple in accordance with their refund policy. For issues relating to the service itself, contact us at support@skeerapp.com and we will do our best to help.

5. Acceptable use

You agree not to:

• Use Skeer for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to reverse-engineer, decompile, or tamper with the app or its servers.
• Attempt to gain unauthorised access to other users' accounts or data.
• Upload or transmit malicious code or attempt to disrupt the service.
• Use automated tools to access or scrape the service.
• Resell or sublicense access to the service.

We reserve the right to suspend or terminate your account if you violate these rules.

6. Your data

All financial data you enter into Skeer belongs to you. We do not claim any ownership over your data. You can export all your data at any time using the backup feature in the app.

If you delete your account, your cloud data will be permanently deleted within 30 days. Local data on your device is not affected by account deletion and remains until you uninstall the app or clear app data manually.

7. Availability and updates

We aim to keep Skeer available and up to date, but we do not guarantee uninterrupted availability. We may:

• Temporarily take the service offline for maintenance.
• Update, change, or remove features at any time.
• Discontinue the service with reasonable notice.

For significant changes that affect paying Pro subscribers, we will provide at least 30 days notice.

8. Intellectual property

The Skeer name, logo, app design, and all content on skeerapp.com are owned by us and protected by applicable intellectual property laws. You may not use them without our written permission. We grant you a limited, non-exclusive, non-transferable licence to use the app for personal, non-commercial purposes in accordance with these terms.

9. Disclaimer of warranties

Skeer is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the app will be error-free, uninterrupted, or that data will never be lost. Financial data you enter is your responsibility to back up. We strongly encourage using the backup feature regularly. To the maximum extent permitted by Dutch and EU consumer law, we disclaim all implied warranties.

10. Limitation of liability

To the fullest extent permitted by law, Skeer and its operator shall not be liable for:

• Any indirect, incidental, or consequential damages.
• Loss of data or profits.
• Financial decisions made based on information in the app.
• Interruptions or errors in the service.

Our total liability for any claim arising under these terms is limited to the amount you paid for Skeer Pro in the 12 months preceding the claim, or €10 if you are on the Free plan. Nothing in these terms limits liability for death, personal injury caused by negligence, or fraud, as required by Dutch law.

11. Consumer rights (EU/NL)

If you are a consumer resident in the Netherlands or another EU member state, you have rights under applicable consumer protection laws that cannot be excluded by contract, including any mandatory statutory guarantees. Nothing in these terms is intended to limit those rights.

12. Governing law and disputes

These terms are governed by the laws of the Netherlands. If a dispute arises between us, we encourage you to contact us first at support@skeerapp.com so we can try to resolve it informally.

If we cannot resolve a dispute informally, it will be subject to the jurisdiction of the competent Dutch courts. As an EU consumer, you also have the right to submit a complaint via the EU Online Dispute Resolution platform: ec.europa.eu/consumers/odr.

13. Changes to these terms

We may update these Terms of Service from time to time. We will notify you of material changes via the app or by email at least 14 days before they take effect. Continued use of Skeer after the effective date of any change constitutes acceptance of the updated terms.

14. Contact

Questions about these terms? Email us at support@skeerapp.com.