Terms of Service

1. Acceptance of Terms

By downloading, installing, or using AssetGuard ("the App"), provided by TheWitShah, you agree to be bound by these Terms of Service. If you do not agree, please do not use the application.

2. Description of Service

AssetGuard is an on-device personal finance cockpit designed to assist you in tracking and organizing your wealth, investments, and insurance policies. Features include:

• Multi-asset portfolio tracking (stocks, mutual funds, EPF/PPF/NPS, crypto, real estate)
• Insurance policy record-keeping and renewal notifications
• FIRE (Financial Independence, Retire Early) planning and corpus calculations
• Local encrypted document vault
• Encrypted backup generation and restoration

3. Financial Disclaimer

Not Financial or Investment Advice: The App, calculations, projections, and FIRE metrics are provided for informational and personal tracking purposes only. AssetGuard does not provide investment, tax, legal, or financial advisory services. You are solely responsible for verifying figures and making investment decisions.

4. User Responsibilities

You are responsible for:

• Maintaining physical and biometric security of your mobile device.
• Safeguarding any master PINs and encryption backup passphrases.
• Ensuring data entered into the application is accurate.

5. Intellectual Property

All software, UI design, branding, and proprietary assets comprising AssetGuard are owned by TheWitShah and protected under applicable copyright and intellectual property laws.

6. Limitation of Liability

To the maximum extent permitted by applicable law, TheWitShah shall not be liable for any direct, indirect, incidental, or consequential damages resulting from device loss, hardware failure, forgotten passcodes, or market outcomes related to information logged within the App.

7. Contact Information

For questions or legal notices regarding these Terms, contact: