Terms of Use

Last Updated: October 2023

Welcome toSML Money Wise (the “App”) provided by App Farm (“we,” “us,” or “our”). These Terms of Use (“Terms”) govern your use of our mobile application. By accessing or using the App, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the App.

1. Acceptance of Terms

By accessing or using the App, you confirm that you are at least 18 years old or have the consent of a parent or guardian. You also agree to comply with these Terms and our Privacy Policy.

2. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. It is your responsibility to check these Terms regularly for changes. Your continued use of the App following any changes constitutes acceptance of those changes.

3. Privacy Policy

Your use of the App is also governed by our Privacy Policy, which can be found at [Insert Link to Privacy Policy]. Please review the Privacy Policy to understand how we collect, use, and protect your personal information.

4. App License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to use the App solely for your personal, non-commercial use.

5. User Conduct

You agree not to use the App for any unlawful, unauthorized, or prohibited purpose. You will not:

Violate any applicable laws or regulations.
Infringe upon our intellectual property rights.
Engage in any activity that interferes with or disrupts the App or its services.
Use the App for any harmful or malicious activities, including spreading malware or attempting to gain unauthorized access to other users’ accounts.
Attempt to decompile, reverse engineer, or hack the App.

6. Intellectual Property

The App and its content, including but not limited to text, graphics, logos, icons, images, audio, and video, are the property of [Your Company Name] and are protected by intellectual property laws. You may not use, modify, reproduce, distribute, or display any part of the App without our prior written consent.

7. Termination

We reserve the right to terminate or suspend your access to the App at our discretion, without notice, for any violation of these Terms or for any other reason.

8. Disclaimer

The App is provided “as is” without any warranties. We make no representations or warranties about the accuracy, reliability, completeness, or timeliness of the App or its content. Your use of the App is at your own risk.

9. Limitation of Liability

To the extent permitted by law, App Farm is not liable for any indirect, incidental, special, or consequential damages that result from the use of or inability to use the App.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Malawi, without regard to its conflict of law principles.

11. Contact Information

If you have any questions or concerns about these Terms, please contact us at in**@ap*****.biz.