{"title":"Terms and Conditions","version":"1.0","effectiveDate":"2026-06-18","sections":[{"heading":"Acceptance of Terms","body":"By creating an account or using SpendPilot, you agree to these Terms and Conditions. If you do not agree, do not use the service."},{"heading":"The Service","body":"SpendPilot helps you track credit and debit cards, review statements, and view suggested payment plans. Payment suggestions are informational only and are not financial advice."},{"heading":"Your Account","body":"You are responsible for keeping your login credentials secure and for all activity under your account. Notify us immediately of any unauthorized use."},{"heading":"Bank Connections","body":"Bank and card connections are handled through Plaid. We never ask for or store your bank username or password. You may disconnect a linked account at any time."},{"heading":"Acceptable Use","body":"You agree not to misuse the service, attempt to access other users' data, or interfere with the platform's operation or security."},{"heading":"Limitation of Liability","body":"SpendPilot is provided \"as is\" without warranties. We are not liable for financial decisions made based on suggestions shown in the app."},{"heading":"Changes to These Terms","body":"We may update these terms from time to time. Continued use after an update constitutes acceptance of the revised terms."}]}