Terms of Service

1. Agreement to Terms

By accessing or using GoldInPocket ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the Service. These Terms apply to all visitors, users, API customers, and others who access or use the Service.

2. Description of Service

GoldInPocket provides a gold portfolio tracking platform that allows users to:

• Track gold purchases and investments
• Monitor real-time gold prices
• Analyze portfolio performance
• View historical price data and trends
• Access market data via API (commercial customers)

The Service is provided "as is" and we reserve the right to modify, suspend, or discontinue any aspect of the Service at any time.

3. User Accounts

3.1 Account Creation

To use certain features of the Service, you must create an account using Google Authentication. You are responsible for:

• Maintaining the confidentiality of your account
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring all information provided is accurate and current

3.2 Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activities.

4. Acceptable Use Policy

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or harmful code
• Scrape or harvest data without permission
• Use the Service to harm, threaten, or harass others
• Impersonate any person or entity
• Sell or transfer your account to another party
• Use automated systems or bots without authorization
• Reverse engineer or attempt to extract source code

5. API Terms and Commercial Use

5.1 API Access

Commercial API access may be available for qualified customers. API users must:

• Register for an API key and maintain its security
• Comply with rate limits and usage quotas
• Pay applicable fees based on usage tiers
• Not resell or sublicense API access without permission
• Attribute data to GoldInPocket when required
• Comply with all applicable data protection regulations

5.2 API Pricing

API pricing is based on usage tiers and may include:

• Number of API calls per month
• Data bandwidth consumed
• Premium features accessed
• Support level required

Pricing is subject to change with 30 days notice to existing customers.

6. Intellectual Property Rights

6.1 Our Property

The Service and its original content, features, and functionality are owned by GoldInPocket and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Your Content

You retain ownership of the data you input into the Service. By using the Service, you grant us a license to:

• Store and process your data to provide the Service
• Create anonymized, aggregated data for analytics
• Use anonymized data to improve the Service
• Include anonymized market data in our API offerings

7. Advertising and Third-Party Content

The Service may display advertisements and third-party content. We are not responsible for:

• The accuracy or reliability of advertisements
• Products or services offered by advertisers
• Third-party websites linked from the Service
• Any transactions between you and advertisers

Your interactions with advertisers are solely between you and the advertiser.

8. Disclaimers

8.1 Investment Disclaimer

The Service does not provide investment advice. Information provided is for tracking and informational purposes only. Gold prices and portfolio valuations are estimates based on available market data. Always consult with qualified financial advisors before making investment decisions.

8.2 Accuracy Disclaimer

While we strive to provide accurate information, we make no warranties about the completeness, reliability, or accuracy of gold prices, calculations, or any other information provided through the Service.

8.3 Service Availability

We do not guarantee that the Service will be available at all times or without interruption. Maintenance, updates, or technical issues may cause temporary unavailability.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GOLDINPOCKET SHALL NOT 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:

• Your use or inability to use the Service
• Any unauthorized access to your account or data
• Any errors or omissions in content or data
• Investment decisions based on Service information
• Loss of data or portfolio information
• Service interruptions or downtime
• Third-party actions or content

Our total liability shall not exceed the amount paid by you, if any, for accessing the Service in the past twelve months.

10. Indemnification

You agree to defend, indemnify, and hold harmless GoldInPocket, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses arising from:

• Your violation of these Terms
• Your use of the Service
• Your violation of any rights of another party
• Your violation of any applicable laws
• Any content you submit to the Service

11. Payment Terms

11.1 Free and Paid Services

Basic portfolio tracking features are currently provided free of charge. Premium features, API access, or advanced analytics may require payment.

11.2 Billing

For paid services:

• Fees are billed in advance on a monthly or annual basis
• All fees are non-refundable unless otherwise stated
• You authorize us to charge your payment method on file
• Failed payments may result in service suspension

11.3 Price Changes

We reserve the right to modify prices with 30 days notice. Continued use after price changes constitutes acceptance.

12. Dispute Resolution

12.1 Arbitration

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in English and the arbitrator's decision shall be final.

12.2 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class actions or class arbitrations.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to conflict of law principles. You consent to the exclusive jurisdiction of the courts located in Delaware.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or prominent notice on the Service. Your continued use after changes constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and GoldInPocket regarding the use of the Service and supersede any prior agreements.

17. Contact Information

For questions about these Terms of Service, please contact us at:

18. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.