Terms of Use

Last Updated: February 28, 2024

Terms of Use (“Terms”) govern your use of the Charts for YNAB application (“Charts for YNAB” or “Application”) operated by Ryan Arnold Zoleta (“I” or “me”).

By accessing and using Charts for YNAB, you acknowledge that you have read, understood, and agree to be bound by these Terms and the Privacy Policy. If you do not accept these Terms and the Privacy Policy, you are not authorized to use the Services. I may modify these Terms and the Privacy Policy at any time, and such modification will be effective upon posting to the Application.

Privacy Policy

Charts for YNAB collects only the data and information necessary to fulfill my service with you. We do not sell or share your data with third parties.

When you sign up for Charts for YNAB, you will be redirected to YNAB's website to grant authorization to Charts for YNAB access to your data. As of the publication date of this Privacy Policy, YNAB does not share any personal identifiable information related to your YNAB account, such as email address, names, and bank information. As such, none of this is ever stored in my servers. The only information we store is your YNAB access token and user ID, which is used to access your YNAB data.

Charts for YNAB does not store any retrieved YNAB data in my back-end servers, except for the following: (1) your API access token generated by YNAB themselves and given to me to gain access to your data, (2) any UUID (Universally Unique Identifier) corresponding to any of your data in YNAB that is necessary for fulfilling the Application's service to you.

Charts for YNAB does store any user-created Charts as well as related settings you personally configure in the application for the purpose of fulfilling my service with you. This only contains information you personally and manually input into the website and does not include any YNAB data, except for the related Budget ID to which your created chart corresponds to.

Charts for YNAB uses Vercel Analytics to collect anonymous, privacy-focused usage data solely for the purpose of knowing things like how many people visits and uses the website, what percentage of users are on which operating systems, the country or region from which the website was accessed, the website from which the user entered Charts for YNAB, and if anyone actually use a particular feature or setting. The data is not and cannot be associated with you specifically. Vercel Analytics' privacy policy can be found here: https://vercel.com/docs/analytics/privacy-policy

Limitation of Liability

In no event shall I, nor my partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Application; (ii) any conduct or content of any third party on the Application; (iii) any content obtained from the Application; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Representations and Warranties

Your use of the Application is at your sole risk. The Application is provided on an “AS IS” and “AS AVAILABLE” basis. The Application is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, accuracy, fitness for a particular purpose, non-infringement, or course of performance. I do not warrant that the Application will function uninterrupted or will be available at any particular time or location.

Updates to these Terms

I reserve the right to update or modify the Terms at any time without prior notice. Please review the Terms periodically.

The Terms were last updated on the date indicated above. Any changes to the Terms will become effective upon posting to the Application. As set forth above, your continued use of the Application after any changes or revisions to the Terms shall indicate your acceptance and agreement with such revised Terms.

Governing Law

Any claim relating to Charts for YNAB shall be governed by the laws of the Republic of the Philippines without regard to its conflict of law provisions.

YNAB Terms of Service

By using Charts for YNAB, you are subject to YNAB's terms of service found at: https://www.ynab.com/terms

For any concerns, please do not hesitate to email me.