Last updated: 6/25/2025
Welcome to SmartMoney.ninja ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website located at smartmoney.ninja and our financial management services (collectively, the "Service").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.
SmartMoney.ninja is a financial management platform that helps users track income, expenses, debts, and financial goals. We provide tools for debt payoff strategies, budgeting, and financial planning.
Our Service includes both free and premium features. Premium features require a paid subscription and may include advanced debt analysis, unlimited tracking, and additional tools.
To use certain features of our Service, you must create an account. You are responsible for:
Subscription Plans: We offer different subscription tiers (Apprentice Ninja - Free, Money Ninja - Premium, Master Ninja - Pro) with varying features and pricing.
Billing: Paid subscriptions are billed in advance on a monthly or annual basis. All fees are non-refundable except as required by law.
Auto-Renewal: Subscriptions automatically renew unless canceled before the renewal date. You can cancel through your account settings or customer portal.
Price Changes: We may change subscription prices with 30 days' notice. Changes apply to subsequent billing cycles.
Not Financial Advice: SmartMoney.ninja provides educational tools and information. We do not provide personalized financial advice, investment recommendations, or tax advice.
Data Accuracy: While we strive for accuracy in our calculations and projections, you are responsible for verifying all financial information and decisions.
Professional Consultation: For personalized financial advice, please consult qualified financial advisors, accountants, or other professionals.
We take data security seriously and implement industry-standard measures to protect your financial information. However, no system is 100% secure.
Data Backup: While we maintain backups, you are responsible for keeping your own records of important financial data.
Third-Party Services: We use third-party services (Stripe for payments, Supabase for data storage) that have their own privacy policies.
Use of Cookies and Local Storage: SmartMoney.ninja uses cookies and browser local storage to enhance your experience and provide personalized features.
We use the following third-party services that may set their own cookies:
Browser Controls: You can control cookies through your browser settings. Note that disabling cookies may limit some functionality of our Service.
Local Storage: Your financial tool preferences (allocation settings, payment strategies) are stored locally in your browser to provide a personalized experience. This data remains on your device and is not transmitted to our servers unless you explicitly save changes to your financial profile.
Data Persistence: Local storage data persists between browser sessions to maintain your preferred settings. You can clear this data through your browser's storage management tools or by resetting your preferences within the application.
Financial data stored locally is not encrypted and remains on your device. We recommend using our Service only on trusted, secure devices. For sensitive financial information, we store encrypted data on secure servers rather than in browser storage.
By using SmartMoney.ninja, you consent to our use of cookies and local storage as described. We may update our cookie practices and will notify you of significant changes through these Terms or via email.
You may not use our Service:
The Service and its original content, features, and functionality are owned by SmartMoney.ninja and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
You retain ownership of your financial data. By using our Service, you grant us a limited license to use your data to provide the Service.
TO THE FULLEST EXTENT PERMITTED BY LAW, SMARTMONEY.NINJA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total liability to you for all claims relating to the Service shall not exceed the amount you paid us in the 12 months preceding the claim.
We may terminate or suspend your account and access to the Service immediately if you breach these Terms. You may also terminate your account at any time.
Upon termination, your right to use the Service will cease, but these Terms will remain in effect regarding your prior use.
We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or through the Service.
Your continued use of the Service after changes constitutes acceptance of the new Terms.
These Terms shall be governed by and construed in accordance with the laws of Ohio, without regard to its conflict of law provisions.
If you have any questions about these Terms, please contact us at:
Email: support@smartmoney.ninja
Website: smartmoney.ninja
By using SmartMoney.ninja, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.