1. Acceptance of Terms
By accessing or using the Wellston Smart Advisor application or website (the Service), you agree to be bound by these Terms and Conditions. If you do not agree, you may not use the Service.

2. Description of Service

Wellston Smart Advisor is a personal financial tracking and budgeting application. The Service provides tools for tracking income, expenses, and savings goals. The Service does not provide financial, legal, or tax advice.

3. Optional Promotions
From time to time, the Service may offer optional promotional drawings or giveaways. Participation in any promotion is completely optional and not required to use the Service.

4. No Gambling or Lottery
Wellston Smart Advisor does not operate gambling, lotteries, or paid raffles. No purchase, subscription, or payment increases the chances of winning any prize.

5. Opt-In / Opt-Out
Users must affirmatively opt in to participate in promotional drawings. Users may opt out at any time. Opting out does not limit access to any core features of the Service.

6. No Purchase Advantage
Subscriptions and payments are for access to premium features of the Service only. Payment does not provide an advantage in any promotion.

7. User Responsibilities
Users are responsible for providing accurate information, maintaining account security, and complying with all applicable laws when using the Service.

8. Limitation of Liability
To the fullest extent permitted by law, Wellston Smart Advisor LLC shall not be liable for any indirect, incidental, consequential, or special damages arising from use of the Service.

9. Termination
Wellston Smart Advisor LLC reserves the right to suspend or terminate accounts for violations of these Terms or misuse of the Service.

10. Governing Law
These Terms and Conditions are governed by the laws of the State of Georgia.