Terms and Conditions for Parmis Mobile
Terms of Use Agreement for the Parmis Mobile Personal Accounting Application
Thank you for choosing Parmis Mobile. Please read these Terms and Conditions carefully before installing, registering, logging in to, or using the application.
By installing, accessing, or using Parmis Mobile, you acknowledge that you have read, understood, and accepted these Terms and Conditions. If you do not agree with all or part of these Terms, you should not use the application.
- Definitions
For the purposes of these Terms:
- “Parmis Mobile” or “the Application” means the Parmis Mobile personal accounting application.
- “Parmis,” “we,” “us,” or “our” means the owner, developer, operator, or authorized provider of Parmis Mobile.
- “User,” “you,” or “your” means any person who installs, accesses, registers for, logs in to, or uses Parmis Mobile or any related service.
- “User Data” means any information entered, stored, processed, backed up, exported, restored, or otherwise used by the User within the Application, including financial records, accounts, transactions, reports, backup files, exported files, and related information.
- “User Account” means an account created or activated by the User for features such as cloud backup, data recovery, or access to backup files.
- Acceptance of Terms
By installing, accessing, logging in to, or using Parmis Mobile or any of its features, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other policies or notices made available by Parmis.
You confirm that you have the legal capacity to accept these Terms. If you use the Application on behalf of another person or organization, you are responsible for ensuring that you have the necessary authority to do so.
- Nature of Parmis Mobile Services
Parmis Mobile is a personal accounting and personal financial management application. It may provide features such as recording income, expenses, accounts, cash boxes, bank accounts, loans, installments, transactions, reports, exports, and, where enabled by the User, cloud backup and data recovery.
Parmis Mobile is not a bank, financial institution, digital wallet, payment gateway, money transfer service, investment company, brokerage service, loan provider, financial advisor, tax advisor, legal advisor, or regulated financial services provider.
Any information, calculations, reports, summaries, or outputs provided by the Application are intended only to help users manage their personal financial records. They should not be considered financial, investment, tax, accounting, audit, legal, or professional advice. You are solely responsible for any financial, tax, legal, business, or personal decisions you make based on information recorded or generated in the Application.
- User Responsibility for App Usage
You are responsible for the accuracy, completeness, and timeliness of the information you enter into the Application.
You acknowledge that balances, reports, calculations, summaries, analyses, and outputs generated by Parmis Mobile depend on the information entered by you or extracted from authorized sources, such as bank SMS messages where such access is enabled by you. If the entered or extracted information is incorrect, incomplete, outdated, or inaccurate, the resulting reports or outputs may also be incorrect.
You are responsible for reviewing and verifying any reports, balances, exports, or information generated by the Application before relying on them.
- User Account and Login Security
The main personal accounting features of Parmis Mobile may be available without registration or login. However, some features, such as cloud backup, data recovery, or access to backup files, may require login using a mobile phone number, email address, or another supported authentication method.
You are responsible for maintaining the confidentiality and security of your device, login credentials, passwords, verification codes, account access, and any related authentication information.
Any activity carried out through your User Account may be treated as your activity unless it is proven that such access occurred without your fault or negligence. If you become aware of or suspect any unauthorized access to your account, you should notify Parmis as soon as possible through the contact methods provided in these Terms.
- Backup and Data Storage
The primary responsibility for creating, maintaining, and managing backup copies of User Data rests with the User. You should keep independent and secure backup copies of important information and exported files, depending on the importance of your data.
Parmis Mobile may provide a cloud backup feature for users who choose to enable it. Cloud backup is provided to assist users in restoring their data in situations such as device loss, device replacement, reinstallation of the Application, or other emergency circumstances.
Although Parmis makes reasonable efforts to maintain the security and availability of its services, no software, hardware, network, cloud, or internet-based system can be guaranteed to be completely error-free, uninterrupted, or risk-free. You acknowledge that maintaining your own independent backup is an important responsibility.
Parmis will not be responsible for loss, corruption, deletion, or unavailability of data caused by matters outside its reasonable control, including but not limited to failure by the User to create backups, User error, device failure, forgotten login details, internet disruption, operating system limitations, third-party service failures, cyberattacks, or other events beyond Parmis’s reasonable control.
- Device Permissions and App Features
Some features of the Application may require access to device permissions such as SMS, storage, contacts, notifications, or other operating system permissions. These permissions are used only to provide the relevant features and are further explained in the Parmis Mobile Privacy Policy.
You may enable or disable certain permissions through the Application settings or your device settings. If you disable required permissions, some features of the Application may not function fully, correctly, or automatically.
- Intellectual Property Rights
All intellectual property rights related to Parmis Mobile, including but not limited to the Application name, logo, design, structure, user interface, source code, object code, database structure, documentation, content, trademarks, concepts, methods, algorithms, and other related elements, belong to Parmis or its authorized rights holders.
Using the Application does not transfer to you any ownership rights in the Application, its code, trademarks, documentation, or any other intellectual property. You are granted only a limited, non-exclusive, non-transferable, revocable license to use the Application for lawful personal use in accordance with these Terms.
You must not copy, reproduce, distribute, sell, rent, sublicense, assign, reverse engineer, decompile, disassemble, extract source code, modify, bypass restrictions, access databases without authorization, integrate the Application with other software without authorization, or commercially exploit the Application in any unauthorized manner.
- Trade Secrets and Confidential Information
Parmis Mobile may contain trade secrets, proprietary know-how, technical methods, structures, algorithms, designs, and confidential information belonging to Parmis.
Any unauthorized access, use, disclosure, extraction, reconstruction, copying, or exploitation of such information is prohibited and may result in legal action.
- Prohibited Use
You agree to use Parmis Mobile only for lawful, personal, and permitted purposes and in accordance with these Terms.
You must not:
- Use the Application for unlawful, fraudulent, deceptive, money laundering, abusive, or harmful activities;
- Use the Application to violate the rights, privacy, or property of others;
- Attempt to hack, disrupt, damage, overload, bypass, reverse engineer, or gain unauthorized access to the Application, servers, systems, databases, or data;
- Use the Application in a way that may harm the performance, security, reputation, or rights of Parmis or other users;
- Upload, store, or process information that violates applicable laws, third-party rights, or the privacy of others;
- Use the Application to provide unauthorized services to third parties, resell the Application, create a competing product, or engage in unauthorized commercial exploitation.
- Updates, Changes, and Service Availability
Parmis may, at any time and for technical, security, legal, commercial, operational, or user experience reasons, modify, update, add, remove, suspend, or discontinue any feature or part of the Application.
Some features may vary depending on the operating system, app version, country, device, platform restrictions, or legal requirements.
Parmis will make reasonable efforts to keep the Application available and functional. However, Parmis does not guarantee that the Application will always be available, uninterrupted, error-free, secure, compatible with every device, or suitable for every individual purpose.
Parmis may temporarily or permanently restrict, suspend, or terminate access to some or all services where necessary, including in cases of Terms violations, legal requirements, security risks, technical issues, misuse, suspected abuse, or potential harm to users, Parmis, or its services.
- App Stores and Third-Party Platforms
Parmis Mobile may be distributed through platforms such as Google Play, the Apple App Store, or other authorized app stores or distribution channels. Your use of those platforms may also be subject to their separate terms, policies, and conditions.
You acknowledge that Google, Apple, and other app stores or platform providers are not responsible for the content of the Application, Parmis services, User Data, support obligations, or Parmis’s commitments, except to the extent required by the applicable rules of those platforms or applicable law.
- Privacy
The collection, use, processing, storage, backup, deletion, and protection of User Data are explained in the separate Parmis Mobile Privacy Policy.
By using the Application, you acknowledge and accept the Parmis Mobile Privacy Policy as well as these Terms.
- Limitation of Liability
Parmis aims to provide the Application with reasonable quality and care. However, the Application is provided on an “as is” and “as available” basis.
To the maximum extent permitted by applicable law, Parmis makes no absolute warranty or guarantee that the Application will be error-free, uninterrupted, fully secure, compatible with all devices, accurate in all calculations, suitable for a particular purpose, or capable of meeting all user expectations.
To the maximum extent permitted by applicable law, Parmis will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, losses, costs, or expenses arising from or related to:
- Use or inability to use the Application;
- Loss, corruption, deletion, or unavailability of data;
- User error or incorrect data entry;
- Decisions made based on information, reports, or outputs generated by the Application;
- Internet, device, operating system, or third-party service issues;
- Cyberattacks, security incidents, or events outside Parmis’s reasonable control;
- Failure by the User to create or maintain backups;
- Unauthorized access caused by the User’s failure to secure their device, account, password, or verification codes.
Nothing in these Terms limits or excludes any rights that cannot be limited or excluded under applicable consumer protection laws.
- Indemnification
If you violate these Terms, misuse the Application, infringe Parmis’s intellectual property rights, attempt unauthorized access, abuse the services, or engage in unlawful conduct, you agree to indemnify and hold harmless Parmis, its directors, officers, employees, representatives, partners, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses arising from such conduct.
Parmis reserves the right to restrict, suspend, or terminate your access to some or all services and to take appropriate legal action where necessary.
- Age and Legal Capacity
You may use Parmis Mobile only if you have the legal capacity to accept these Terms under the laws applicable to you.
If you are under the legal age of majority in your country or region, you may use the Application only with the knowledge and consent of your parent or legal guardian.
- Governing Law and Dispute Resolution
These Terms are intended to be interpreted and applied in a commercially reasonable manner, subject to applicable laws and mandatory consumer protection rights.
If a dispute arises between the User and Parmis, the parties will first attempt to resolve the matter through good-faith communication.
If the dispute cannot be resolved informally, it may be referred to the competent courts or dispute resolution authorities, subject to applicable law and any mandatory rights available to the User in their country or region.
Nothing in these Terms limits any mandatory legal rights that cannot be waived or restricted under applicable law.
- Changes to These Terms
Parmis may update these Terms from time to time due to changes in the Application, applicable laws, platform requirements, business needs, security practices, or service improvements.
The updated version will be made available through the official Parmis website, inside the Application, or through other appropriate means. Continued use of the Application after the updated Terms become available means that you are aware of and accept the updated Terms.
- Contact Us
If you have any questions about these Terms, you may contact Parmis Mobile by submitting a support ticket inside the Application or by emailing:
parmismobile@parmis.app
