Welcome to Wiko! These Terms of Service ("Terms") govern your access and use of the Wiko mobile application, website, and any other products or services provided by Spendit Inc. ("Wiki", "we", or "us"). By downloading, accessing or using Wiko, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use Wiko.

Account Registration

To use Wiki, you must create an account with accurate personal information. You are responsible for maintaining your account credentials and restricting unauthorized access. Spendit accounts are non-transferrable.

License & Restrictions

Wiko grants you a limited, non-exclusive, revocable license to use the app and services for your personal, non-commercial use only. You may not copy, modify, distribute, sell or lease any part of our services or included software.

User Responsibilities

You are solely responsible for your use of Wiko in compliance with these Terms and all applicable laws and regulations. Do not use our services to violate intellectual property, engage in illegal activities, or transmit harmful content.

Third-Party Integration

Wiko integrates with third-party financial institutions and service providers to facilitate account linking, transaction data access, and payments. You grant Wiko permission to access this data through secured connections per the institutions' terms.

Account Security

You are responsible for keeping your login credentials secure and promptly notifying us of any unauthorized use of your account. Wiko will not be liable for any losses from account compromise due to your actions.

User Content

Any feedback, comments, or ideas you provide about Wiko become our property and you relinquish intellectual property rights over them. We have no obligation to review user content for accuracy.

Paid Services & Fees

Certain premium Wiko features may require payment of fees which will be clearly disclosed. We reserve the right to adjust pricing at any time.

Third-Party Links & Content

Wiko may contain links to, or content from, third parties which are provided for convenience only. We do not endorse nor are responsible for any third-party content, products or services.

Termination

We may suspend or terminate your Wiko account and access immediately if we believe you violated these Terms. Upon termination, any licenses granted by Wiko will cease.

Disclaimers & Limitations

Wiko services are provided on an "as is" basis without warranty of any kind. We disclaim all liability for any direct, indirect, incidental or consequential damages related to your use or inability to use Wiko.

Governing Law

These Terms shall be governed by and construed under the laws of [State/Country]. Any dispute shall be resolved through binding arbitration.

Modifications

Wiko reserves the right to modify these Terms at any time by posting the updated version which will be effective immediately.

By continuing to use Wiko after any changes, you accept the revised Terms of Service.

Contact Us

For any questions about these Terms, please contact us.

This covers key elements like account registration, license terms, user conduct, third-party integration, security, fees, disclaimers, governing laws and the right for Wiko to modify the terms as needed. Please review carefully with your legal team and modify as necessary. Let me know if any sections need clarification or expansion.