Welcome to Cosmo The Budget Bot ("Cosmo," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of the SMS-based budget tracking service. By accessing or using the Service, you agree to be bound by these Terms.

1. Description and Acceptance of Service

A. The Service
Cosmo provides an automated, non-commercial, personal budget tracking tool accessed solely via text message. The service calculates a simple running tally of funds you allocate and expenses you report.

B. Eligibility
This project is currently closed to new users. Use of the Service is limited exclusively to previously invited, current participants. We reserve the right to deny or terminate access to any user for any reason, at our sole discretion.

C. Acceptance of Terms
By continuing to use the Service, you confirm that you have read, understood, and agree to be bound by these Terms.

2. Disclaimer of Financial and Professional Advice
You acknowledge and agree that:

• Not a Financial Professional: Cosmo, and the developer of Cosmo, is not a licensed financial advisor, bank, or credit institution. The Service is a simple tool for personal reference only.
• No Professional Advice: The Service does not provide financial, legal, tax, or professional advice. All budget tallies and calculations are for informational purposes only. You are solely responsible for all decisions regarding your actual finances and should consult professional advisors for financial guidance.
• No Warranty: The Service is provided "as is" without warranty of any kind, express or implied.

3. User Conduct and Responsibilities

A. Accurate data
You are responsible for ensuring the accuracy of all expense and budget data you send to Cosmo. We are not responsible for errors resulting from incorrect data submission.

B. Lawful Use
You agree to use the Service only for lawful purposes and in a way that does not infringe upon the rights of others or restrict or inhibit anyone else's use and enjoyment of the Service.

C. Opt-Out
You may cease using the Service and terminate your enrollment at any time by replying STOP to any message from Cosmo.

4. Termination of Service
We may, in our sole discretion, suspend or terminate your access to the Service at any time, with or without notice, if we believe you have breached these Terms or for any other operational reason.

5. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Cosmo or its developer be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising out of your use of the Service.

6. Governing Law
These terms chall be governed by the laws of the United States