Shayr Terms of Service

These Terms of Service govern your use of Shayr, our website located at https://Shayrapp.com, and any related services provided by Shayr.

When you create an Shayr account or use Shayr, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from further using the app, accessing our website, or using any other services provided by Shayr.

If you access or download Shayr from (1) the Apple App Store, you agree to any Usage Rules set forth in the App Store Terms of Service; and/or (2) the Google Play Store, you agree to the Android, Google Inc. Terms and Conditions including the Google Apps Terms of Service.

We, Shayr, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page and notify you through the app and/or the email address you provided when you created your account. Any changes to these Terms of Service will take effect immediately from the date of publication.

These Terms of Service were last updated on September 26, 2024.

Limitations of Use

By using Shayr and our website, you warrant on behalf of yourself, any entity who you represent who has entered into these Terms of Service, and your users that you will not:

• modify, copy, prepare derivative works of, decompile, or reverse engineer Shayr or any materials and software contained within Shayr or on our website;

• remove any copyright or other proprietary notations from Shayr or any materials and software contained within Shayr or on our website;

• transfer Shayr or any of its associated materials to another person or "mirror" the materials on any other server;

• knowingly or negligently use Shayr or any of its associated services in a way that abuses or disrupts our networks or any other service Shayr provides;

• use Shayr or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;

• use Shayr or its associated services in violation of any applicable laws or regulations;

• use Shayr to send unauthorized advertising or spam;

• harvest, collect, or gather user data without the user’s consent; or

• use Shayr or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.

  
  

Intellectual Property

The intellectual property in the materials in Shayr and on our website are owned by or licensed to Shayr. You may download Shayr to view, use, and display the application on your mobile device for your personal use only.

The app is licensed, not sold, and you are granted a personal, non-exclusive, non-transferable license to use it. Violation of these terms will result in termination of your license.

This license shall automatically terminate if you violate any of these restrictions or these Terms of Service and may be terminated by Shayr at any time.

User-Generated Content

You retain your intellectual property ownership rights over content you submit to us for publication within Shayr and/or on its corresponding website. We will never claim ownership of your content but we do require a license from you in order to use it.

When you use Shayr or its associated services to post, upload, share or otherwise transmit content covered by intellectual property rights, you grant to us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, distribute, modify, run, copy, publicly display, translate or otherwise create derivative works of your content in a manner that is consistent with your privacy preferences and our Privacy Policy.

The license you grant us can be terminated at any time by deleting your content or account. However, to the extent that we (or our partners) have used your content in connection with commercial or sponsored content, the license will continue until the relevant commercial or post has been discontinued by us.

You give us permission to use your username and other identifying information associated with your account in a manner that is consistent with your privacy preferences and our Privacy Policy.

Automatic Updates

You give us permission to download and install updates to Shayr on your device in accordance with your privacy preferences. This permission can be revoked at any time by deleting Shayr from your device.

Net Worth and Financial Data Tracking

Shayr offers tools and services designed to simplify family financial management, including net worth tracking, transaction aggregation, and categorization of expenses. These features are intended to provide users with a comprehensive financial overview to support informed decision-making and promote healthy financial habits. Users can view a real-time snapshot of their family's net worth by linking accounts and viewing both assets and liabilities. However, Shayr relies on information provided by third-party institutions, and the accuracy or completeness of the data may vary. Users are responsible for verifying the accuracy of the financial information displayed in the app and for any decisions made based on that information.

Shayr's platform allows users to link multiple financial accounts, including bank accounts, credit cards, and other financial institutions, to aggregate transaction data in one central location. By linking accounts, users authorize Shayr to access and retrieve financial information from third-party institutions on their behalf. Shayr strives to provide accurate and timely information, but the service may experience delays or inaccuracies due to the nature of third-party systems.

Users acknowledge that Shayr is not responsible for any discrepancies in financial data retrieved from third-party providers. Any financial decisions made based on the data within the platform are the responsibility of the user. Shayr provides these tools for informational and organizational purposes only and does not offer financial, investment, or legal advice. Users should consult with a qualified financial professional before making significant financial decisions based on the information presented in the app.

Transactions and Account Linking

Shayr provides the ability to link multiple financial accounts, enabling users to view all transactions in a single, organized dashboard. Transactions are categorized to help users better understand their spending habits. By using this service, users agree to provide accurate account credentials to allow Shayr to access and retrieve financial information. The security of account credentials remains the responsibility of the user, and Shayr cannot be held liable for any unauthorized access or use of those credentials.

Shayr uses third-party service providers to connect with financial institutions and retrieve transaction data. While the platform aims to provide up-to-date information, there may be instances where data is not accurately reflected due to delays or errors from third-party providers. Users should verify the accuracy of their transactions, and any reliance on the information provided by Shayr is at the user's own risk. Shayr will not be liable for any discrepancies in transaction data or for decisions made based on that data.

This service is intended solely for personal and non-commercial use. The transaction aggregation feature is designed to help users manage personal finances and should not be used for business purposes. Users are responsible for ensuring their accounts are correctly linked and that they provide valid account credentials when using the service.

Limitation of Liability

Shayr's services, including its platform and website, are provided on an "as-is" and "as-available" basis. To the extent permitted by law, Shayr makes no warranties, express or implied, regarding the performance, availability, or suitability of the platform for any particular purpose. This includes, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, non-infringement of intellectual property, or any other violation of rights. Shayr disclaims any liability for errors, delays, interruptions, or inaccuracies in the service and for any financial losses or damages arising from the use or inability to use the platform.

In no event shall Shayr, its suppliers, or its authorized representatives be liable for any indirect, incidental, special, or consequential damages arising out of or related to the use or inability to use Shayr’s services or materials, even if Shayr has been advised of the possibility of such damages. This includes, but is not limited to, loss of data, loss of profits, loss of business, loss of revenue, loss of goodwill, loss of savings, loss of opportunity, or loss of reputation. Users are responsible for verifying the accuracy of financial information provided by Shayr and for making any decisions based on that information.

Shayr’s total liability, under any legal theory, is limited to the amount paid, if any, by the user to access the services. Some jurisdictions may not allow the exclusion or limitation of implied warranties or consequential or incidental damages, so these limitations may not apply to you.

Accuracy of Materials

The materials appearing in Shayr or on our website are not comprehensive and are for general information purposes only. To the extent permitted by law, Shayr does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials in Shayr or on our website, or otherwise relating to such materials or on any resources linked to Shayr and our website.

Inaccuracies and Mistakes

Shayr makes efforts to ensure the accuracy of the content, but users acknowledge that there may be typographical errors, inaccuracies, or omissions related to the service. Shayr reserves the right to correct any such errors or update the service without prior notice. Users are encouraged to verify information and not rely solely on Shayr for critical decision-making.

Third-Party Tools and Links

Shayr may include third-party tools and services, provided "as-is" without warranties or endorsements. Shayr is not responsible for these third-party tools, and users should review their respective terms of service before use. Shayr may also provide links to third-party websites, but these links are not endorsements, and Shayr is not liable for the content or services provided on those external sites.

Notice regarding Apple

To the extent that you are using or accessing Shayr on an iOS device, you acknowledge and agree to the terms of this clause. You acknowledge that these Terms of Service are between you and Shayr only, not with Apple Inc. (Apple), and Apple is not responsible for Shayr and any materials available in Shayr.

Apple has no obligation to furnish you with any maintenance and support services with respect to Shayr.

If Shayr fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to Shayr and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.

Apple is not responsible for addressing any claims by you or any third party relating to Shayr or your use of Shayr, including but not limited to (1) product liability claims; (2) any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.

Apple is not responsible for the investigation, defense, settlement and discharge of any third-party claim that our mobile application infringes that third party’s intellectual property rights.

You agree to comply with any applicable third-party terms when using Shayr, including any Usage Rules set forth in the Apple App Store Agreement of Service.

Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms of Service and, upon your acceptance of these Terms of Service, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms of Service against you as a third-party beneficiary of these Terms of Service.

You hereby represent and warrant that (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a 'terrorist supporting' country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.

Service Availability

While Shayr strives for consistent service availability, there may be instances of planned or unplanned downtime due to maintenance, updates, or other operational reasons. Although we will notify users of scheduled downtime, we reserve the right to disable the app immediately without prior notice if urgent maintenance is required. Users acknowledge that during these periods, the app may be inaccessible and Shayr is not liable for any inconvenience or loss of data during such outages.

Indemnification

You agree to indemnify, defend, and hold harmless Shayr and its affiliates from any third-party claims, liabilities, damages, or legal expenses arising out of your use of Shayr, breach of these Terms of Service, or infringement of any third-party rights, including intellectual property. Shayr reserves the right to assume exclusive defense of any claim, at your expense, for which you are required to indemnify us.

Termination and Changes to Services

Shayr reserves the right to modify, suspend, or terminate any aspect of its services at any time, without prior notice. Users will be informed of significant changes that may affect their use of the platform, but Shayr may also make minor changes or updates without notification. If users do not agree to any changes, they may discontinue using the service.

Termination of access to Shayr may result in the loss of any data associated with the user's account. Shayr is not responsible for storing or preserving any user data after termination of access. If a user terminates their account or stops using the service, Shayr will not be liable for any resulting loss of data or financial information.

Entire Agreement

These Terms of Service, along with our Privacy Policy, constitute the entire agreement between you and Shayr. No waiver of any provision of these terms shall be deemed a further or continuing waiver of such provision or any other provision. If any part of these Terms of Service is found to be invalid or unenforceable, the remaining provisions will continue in full force.

Severance

Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the United States. You irrevocably submit to the exclusive jurisdiction of the courts in the United States.