Terms of Service

**Effective Date: 09-28-2025**

**1. Introduction**

Welcome to CorgiWatchDog ("us," "we," or "our"), a financial planning and budgeting website. These Terms of Service ("Terms") govern your access to and use of the CorgiWatchDog website and services (the "Service").

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the Service.

**2. The Service We Provide**

CorgiWatchDog is an online tool designed to help you manage your personal finances. Our services include:

* Predicting and creating budget plans.
* Using your paycheck data to help pay bills and create savings plans.
* Amortization tools for loans and debts.
* Email notifications and alerts for bills and payment dues.
* Connection to Twelvedata for stock and crypto quotes.
* Transfers of information to Android and iPhone calendars.

**3. No Financial, Legal, or Tax Advice**

**The Service and all information provided on CorgiWatchDog are for informational and educational purposes only. CorgiWatchDog is not a financial advisor, broker-dealer, or a substitute for professional financial, legal, or tax advice.** We do not provide financial advice, and the use of the Service does not create a fiduciary or professional relationship. You are solely responsible for all decisions and actions taken based on the information provided by the Service. We recommend consulting a qualified professional for advice concerning your specific financial situation.

**4. User Accounts and Responsibilities**

* **Account Creation:** To use the Service, you must create an account and provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

* **Accurate Information:** You agree to provide and maintain accurate financial and personal data. We are not responsible for the accuracy of the financial information you provide to us.

* **Prohibited Activities:** You agree not to use the Service for any illegal or unauthorized purpose. This includes, but is not limited to:

* Attempting to gain unauthorized access to our systems or other users' accounts.
* Uploading any malicious code, viruses, or harmful files.
* Using the Service to commit fraud or other illegal acts.

**5. Financial Data and Third-Party Integrations**

* **Financial Data:** You may choose to link your financial accounts to CorgiWatchDog. By doing so, you grant us permission to access your financial data solely for the purpose of providing the Service to you.

* **Third-Party Services:** Our Service integrates with third-party services, including Twelvedata and external calendars. We are not responsible for the availability, content, or practices of these third parties. Your use of these third-party services is subject to their own terms and policies.

**6. Intellectual Property**

The content, features, and functionality of CorgiWatchDog, including all text, graphics, logos, and software, are the exclusive property of CorgiWatchDog and its licensors. You may not copy, modify, distribute, or create derivative works of any part of the Service without our express written consent.

**7. Disclaimer of Warranties**

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CORGIWATCHDOG EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

**8. Limitation of Liability**

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CORGIWATCHDOG, ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR USE OF OR INABILITY TO USE THE SERVICE; (II) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN; (III) ANY BUGS, VIRUSES, OR TROJAN HORSES THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICE BY ANY THIRD PARTY.

**9. Indemnification**

You agree to defend, indemnify, and hold harmless CorgiWatchDog and its affiliates, officers, agents, and employees from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (a) your use of and access to the Service; (b) your violation of any term of these Terms; or (c) your violation of any third-party right.

**10. Governing Law**

These Terms shall be governed and construed in accordance with the laws of United States, without regard to its conflict of law provisions.

**11. Changes to the Terms**

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

**12. Contact Us**

If you have any questions about these Terms, please contact us at contact@corgiwatchdog.com.