Terms of Service

Last updated: 2026-06-03

1. Service

RatRaceScore (“the Service”) is a personal-finance tracking application that computes a derived metric (the “RatRace Score”) from data you supply. The Service is provided “as-is” without warranty of any kind, express or implied.

2. Not financial advice

Nothing in the Service constitutes financial, tax, legal, or investment advice. You are solely responsible for any financial decisions you make.

3. Accounts

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. We strongly recommend enabling MFA.

4. Acceptable use

You agree not to attempt to disrupt the Service, exfiltrate other users' data, reverse-engineer security controls, or upload unlawful content.

5. Termination

You may delete your account and all associated data at any time from your Profile page. We may suspend or terminate accounts that violate these terms.

6. Liability

To the maximum extent permitted by law, the operators of the Service shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

7. Changes

These terms may be updated. Material changes will be announced in-app at least 14 days before they take effect.