Terms of service

1. Acceptance of Terms

   By downloading, installing, or using the Kids Financial Education app, you agree to these Terms of Use.

   If you do not agree, please do not use the app.

   For users under 18, a parent or legal guardian must approve and supervise all usage.

2. Use of the App

   You may use this app only for personal, non-commercial educational purposes. Parents and children may not:

   • Copy, modify, or distribute the app content without permission
   • Attempt to reverse-engineer or interfere with app functionality
   • Use the app for any illegal or harmful activity

   We reserve the right to suspend access for violations of these terms.

3. Parental Responsibility

   Parents or legal guardians are solely responsible for:

   • Creating and managing child accounts
   • Monitoring in-app activity and financial interactions
   • Providing truthful information and securing access credentials

   We recommend setting secure passwords and supervising your child's usage.

4. Intellectual Property

   All content in the app, including illustrations, characters, stories, branding, and software, is owned by us or our licensors.

   You may not use any part of the app for commercial purposes without written permission.

5. Privacy

   Your use of the app is also governed by our Privacy Policy, which explains how we collect and use personal data.

6. Account Termination

   You may stop using the app at any time.

   We may suspend or terminate access to the app if you breach these terms or misuse the app in a way that may cause harm.

7. Disclaimers and Limitation of Liability

   The app is provided "as is" without warranties of any kind. We do not guarantee that:

   • The app will be error-free or always available
   • Educational or financial results will be achieved

   We are not liable for any indirect damages related to your use of the app.

8. Changes to Terms

   We may update these Terms of Use from time to time. When we do, we will notify users within the app or by email.

   Continued use of the app after changes means you accept the updated terms.

9. Governing Law

   These Terms are governed by the laws of Spain.

   Any disputes must be handled by competent courts in Spain, unless otherwise required by local consumer protection laws.

10. Contact

    For any questions, concerns, or feedback, please contact:

    hello@pennytime.app