Terms of Service

Article 1 (Applicability)

1. These Terms of Service (hereinafter referred to as “these Terms”) set forth the conditions for using the smartphone application “MoneyFollow” (hereinafter referred to as “the App”) provided by comfortech (hereinafter referred to as “the Operator”).
2. By using the App, users are deemed to have agreed to these Terms. If you do not agree to these Terms, please stop using the App.

Article 2 (Service Overview and Nature of the Projections)

1. The App lets users create a life plan and see a projection of their assets, income, and expenses through retirement, based on the income, expenses, life events, and asset management settings they enter, and on the deposit and invested assets they record each month.
2. The outlook, graphs, tables, and investment profit and loss shown by the App (hereinafter referred to as “the Projections”) are only a projection based on the information entered by the user and on assumptions made by the App (such as the inflation rate, expected return and risk of assets, and tax rates). They do not guarantee your future assets, income, or expenses. Even when the App indicates that you have enough money, you may actually fall short, and the opposite can also happen.
3. Pension amounts, prices, interest rates, tax rules, and other systems and economic conditions will change in the future. The Projections do not fully reflect such changes.
4. The App is provided for information purposes only and does not provide investment, tax, legal, insurance, or other professional advice. The expected return and risk of each asset are estimates and do not guarantee investment results. Users shall make investment and other financial decisions at their own responsibility.

Article 3 (Data Management)

1. The App does not create app-specific accounts. Data such as your life plan, monthly records, and settings is saved exclusively on the user’s device and is not stored on or synchronized with the Operator’s servers. Note that the content you submit through the inquiry form is sent to the Operator via a third-party service as described in Article 8, but your life plan and records data is not sent.
2. Users shall manage the data saved on their devices at their own responsibility. The Operator is not responsible for restoring data that is lost due to deletion of the App, or initialization, malfunction, loss, replacement, or similar events affecting the device. Data cannot be transferred to a new device or after reinstalling the App.

Article 4 (Fees and Advertising)

1. The App is free to use. The App does not offer in-app purchases.
2. The App displays advertisements using AdMob provided by Google LLC. For ad delivery, the App may ask for permission on your device regarding ad personalization and tracking (such as App Tracking Transparency). You can use the App’s features even if you do not grant permission.
3. The content of advertisements is determined by the ad delivery providers. The Operator is not responsible for the products or services shown in advertisements or for any transactions made through advertisements.
4. Communication charges are borne by the user.

Article 5 (Prohibited Actions)

Users must not engage in any of the following actions when using the App:

1. Actions that violate laws, court judgments, or public order and morals.
2. Actions that infringe upon the intellectual property rights, privacy rights, or other rights of the Operator or third parties.
3. Actions that place an excessive load on the App or related systems, or attempt unauthorized access.
4. Actions to reverse engineer, decompile, or disassemble the App.
5. Actions that improperly alter or circumvent the mechanisms of ad display or measurement, or that interfere with ad delivery, such as fraudulent ad clicks.
6. Actions to provide or sell the Projections of the App to third parties as investment advice or other professional advice, beyond the user’s own use.
7. Any other actions deemed inappropriate by the Operator.

Article 6 (Disclaimers)

1. Projections: The Operator does not guarantee the accuracy, completeness, usefulness, or fitness for a particular purpose of the Projections. The Operator assumes no responsibility for any damages arising from decisions or actions taken by users based on the Projections.
2. Suspension or Interruption of Service: The Operator may temporarily suspend or interrupt the provision of the App without prior notice due to system maintenance, failures, or other unavoidable reasons. The Operator assumes no responsibility for any damages incurred by users as a result.
3. Loss of Data: Because the App treats data saved on the device as the authoritative copy, the Operator assumes no responsibility for the loss of data caused by device malfunction, loss, or initialization, deletion of the App, or similar events.
4. Limitations When Offline: An internet connection is required to display advertisements, to send Firebase Analytics events, to send inquiries, to retrieve information about other apps, and to display the support information page and the terms of service page (opened in the device’s default browser). The Operator assumes no responsibility for the inability to use these functions in an offline environment.
5. Except in cases of willful misconduct or gross negligence by the Operator, the Operator assumes no responsibility for damages incurred by users in connection with the use of the App. This does not apply where the Operator is liable under the Consumer Contract Act or other applicable laws.

Article 7 (Handling of Information)

The Operator handles users’ personal information and user information appropriately in accordance with the separately established “Privacy Policy.” Users agree that the Operator handles information pursuant to that Privacy Policy.

Article 8 (Third-Party Services)

The App uses services provided by third parties (such as AdMob, Firebase Analytics, and Firebase Remote Config provided by Google LLC, Google Apps Script, and the website that hosts support information and the terms of service (comfort-tech.net)) to display advertisements, to analyze usage, to retrieve the settings for introducing other apps, to send inquiries, and to display the support information page and the terms of service page (both opened in the device’s default browser). The terms of service and privacy policy of each provider apply to the use of these services.

Article 9 (Intellectual Property Rights)

Copyrights and other intellectual property rights in the App and in the programs, images, text, designs, and other content included in the App belong to the Operator or the rightful holders. These Terms grant users a non-exclusive, non-transferable right to use the App for personal purposes and do not transfer any of these rights.

Article 10 (Changes to and Termination of the Service)

1. The Operator may change the content of the App or terminate the provision of the App without prior notice to users.
2. The Operator assumes no responsibility for any damages incurred by users as a result of a change to the content of the App or the termination of its provision under the preceding paragraph. This does not apply to the cases stated in the proviso of Article 6, Paragraph 5.

Article 11 (Changes to Terms)

1. The Operator may modify these Terms at any time at its discretion.
2. When modifying these Terms, the Operator will notify users of the changes and the effective date within the App or on the relevant website.
3. Continued use of the App by users after the effective date of the changes constitutes agreement to the modified Terms.

Article 12 (Governing Law and Jurisdiction)

1. These Terms shall be governed by and construed in accordance with the laws of Japan.
2. Any disputes arising in connection with these Terms or the App shall be subject to the exclusive jurisdiction of the Tokyo District Court as the court of first instance.

Contact Information

For inquiries regarding these Terms, please contact us via the “Settings” > “Contact” form within the App.

Operator: comfortech