Terms of Service

Last updated: July 2026

1. Agreement to Terms

By accessing and using the BYAJ website and application, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on BYAJ for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to decompile or reverse engineer any software contained on the website or application
  • Remove any copyright or other proprietary notations from the materials
  • Transfer the materials to another person or "mirror" the materials on any other server
  • Attempt to gain unauthorized access to any portion of the application

3. Disclaimer

The materials on BYAJ's website and application are provided on an 'as is' basis. BYAJ makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall BYAJ or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on BYAJ's website or application, even if BYAJ or a BYAJ authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on BYAJ's website and application could include technical, typographical, or photographic errors. BYAJ does not warrant that any of the materials on its website or application are accurate, complete, or current. BYAJ may make changes to the materials contained on its website or application at any time without notice.

6. Materials and Content

The materials on BYAJ's website and application are protected by intellectual property rights. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password.

7. Prohibited Conduct

You agree not to:

  • Engage in unlawful activities or violate any laws
  • Harass, threaten, or intimidate others
  • Transmit viruses or malicious code
  • Spam or send unsolicited messages
  • Engage in phishing or social engineering
  • Attempt to access restricted areas without authorization

8. User Responsibilities

You are responsible for:

  • Maintaining accurate account information
  • Keeping your password secure
  • The accuracy of data you input into BYAJ
  • Compliance with all applicable laws and regulations
  • Proper usage of the platform for legitimate purposes only

9. Financial Data Disclaimer

BYAJ is a tool for managing and tracking financial data. While we strive for accuracy, BYAJ does not provide financial, legal, or tax advice. Please consult with qualified professionals for financial decisions.

10. Termination

BYAJ may terminate or suspend your account and access to the service immediately, without prior notice or liability, if you breach any terms of this agreement or engage in conduct we determine to be inappropriate or harmful.

11. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the jurisdiction in which BYAJ operates, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

12. Contact Us

If you have questions about these terms, please contact us. We're happy to address any concerns or clarifications you may need.