Terms of Service

Effective Date: July 22, 2026 | Last Updated: July 22, 2026

Welcome to Iponio. By downloading, accessing, or using our mobile application or web services at iponio.com and app.iponio.com, you agree to be bound by these Terms of Service.

1. Use of Service

Iponio is a personal finance management tool designed to assist users in tracking savings targets, logging expenses, and budgeting. Iponio is provided for informational and personal budgeting purposes only and does not constitute professional financial advice.

2. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3. Subscriptions & Purchases (Celestial Pro)

In-app purchases and feature upgrades (such as Celestial Pro) provide a lifetime ad-free experience while directly supporting the independent developers building Iponio.

4. Intellectual Property

All software, design elements, graphics, logos, and trademarks related to Iponio are the exclusive property of Iponio and its licensors.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Iponio shall not be liable for any indirect, incidental, or consequential damages resulting from your use or inability to use the service.

6. Contact Us

For support or inquiries regarding these Terms, contact us at support@iponio.com.