Effective Date: May 15, 2025
Welcome to Pecunia Labs! These Terms and Conditions (“Terms”) govern your access to and use of Pecunia’s services, website, and mobile application (“Platform”). By using our services, you agree to these Terms in full.
Acceptance of Terms
By accessing or using Pecunia, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy. If you do not agree, you must not use the Platform.
Eligibility
You must be at least 13 years old to use Pecunia. If you are under the age of majority in your jurisdiction, you must have parental or guardian consent.
Account Registration
To access most features, you may need to create an account. You agree to provide accurate, up-to-date information and keep your login credentials secure. You are responsible for any activity under your account.
Services Provided
Pecunia offers financial education tools, budgeting gamification, analytics, and classroom-compatible features to help users improve financial literacy. The app does not currently offer money transfers or hold custodial funds.
Pecunia Scoreboard
Some features include performance tracking through a point-based system (“Pecunia Scoreboard”). Points are earned through responsible budgeting and other in-app behaviours. These scores are non-monetary and non-transferable.
Acceptable Use
You agree not to:
Use the platform for any illegal or fraudulent purposes
Attempt to reverse-engineer or interfere with our services
Misrepresent your identity or academic affiliation
Upload harmful content or spam
Violations may lead to account suspension or permanent removal.
Security and Privacy
We implement security measures to protect your data. However, no online platform can be 100% secure, and we cannot guarantee that your data will be immune to unauthorized access. You are responsible for keeping your login details secure.
Suspension and Termination
We may suspend or terminate your access if you violate these Terms or engage in conduct that harms our users, partners, or platform integrity. You may also request account deletion at any time..
Governing Law
We reserve the right to update or change these Terms at any time. Material changes will be communicated via email or in-app notification. Continued use of Pecunia after changes constitutes acceptance.
Changes to Terms and Conditions
We may modify these Terms and Conditions from time to time. All changes will be posted on this page, and the effective date will be updated accordingly. By continuing to use our website and services after changes are posted, you agree to the revised terms.
Contact Us
If you have questions about these Terms or anything else, please contact us at:
📩 support@pecunialabs.com