1. Acceptance of Terms

By creating an account and using bamupro (“the Service”), you agree to be bound by these Terms of Service. bamupro is a personal finance journal — it does not provide financial, investment, tax, or legal advice. All data entered into the Service is self‑reported and is not verified against any financial institution.

2. User Responsibilities

You are solely responsible for all data you enter into the Service. You agree not to use bamupro for any illegal or unauthorized purpose. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

3. Limitation of Liability

bamupro is provided “as is” without any warranty, express or implied. To the fullest extent permitted by law, the creators and operators of bamupro shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Service, including but not limited to financial losses or decisions made based on the data you entered.

4. Modifications to the Service

We reserve the right to modify or discontinue the Service (or any part of it) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

5. Changes to Terms

We may update these Terms of Service from time to time. When we do, we will prompt you to review and accept the updated terms upon your next login. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

6. Governing Law

These Terms shall be governed by the laws of the Republic of the Philippines. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of the Philippines.