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Terms of Service

Last updated: March 1, 2026

1. Acceptance of Terms

By accessing and using PangBank, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the service.

2. Description of Service

PangBank is a personal finance tool that allows you to:

  • Upload and parse bank statements from supported Singapore banks
  • View and categorize your transactions
  • Track spending patterns and analytics
  • Export your financial data

3. User Responsibilities

You agree to:

  • Provide accurate information when creating your account
  • Maintain the security of your account credentials
  • Only upload bank statements that belong to you
  • Not use the service for any illegal or unauthorized purpose
  • Not attempt to circumvent any security features

4. Data Accuracy

While we strive to accurately parse your bank statements, PangBank is provided "as is" and we do not guarantee the accuracy of parsed data. You should verify important financial information against your original bank statements.

5. Limitation of Liability

PangBank is not a financial advisor and does not provide financial advice. We are not liable for any decisions made based on the data displayed in the application. Always consult with qualified professionals for financial decisions.

6. Service Availability

We do not guarantee uninterrupted access to the service. We may modify, suspend, or discontinue the service at any time without prior notice.

7. Intellectual Property

The service and its original content, features, and functionality are owned by PangBank and are protected by applicable intellectual property laws.

8. Termination

We may terminate or suspend your access to the service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the service will cease immediately.

9. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.

10. Contact

If you have questions about these Terms of Service, please contact us through the application settings or by reaching out to the application maintainer.