1. Agreement to Terms
By accessing or using our service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the service.
These Terms include our Privacy Policy and any other guidelines or rules applicable to particular services or content provided through the Application.
2. Account Registration & Security
- Account Creation: You must provide accurate, complete, and up-to-date information during registration.
- Account Security: You are responsible for safeguarding your account credentials and for all activities that occur under your account.
- Age Requirement: You must be at least 18 years old or the age of legal majority in your jurisdiction to use our services.
- Multi-Factor Authentication: We strongly recommend enabling multi-factor authentication to enhance your account security.
3. Financial Information & Data Accuracy
- Read-Only Access: Our application uses read-only access to your financial accounts. We cannot make transactions or changes to your accounts.
- Data Aggregation: We use industry-standard financial data providers to securely access your account information.
- Accuracy Limitations: While we strive for accuracy, we cannot guarantee that all financial information displayed will be error-free or up-to-date.
- Verification Responsibility: You should regularly verify that the information in the application matches your financial institution's records.
4. Not Financial Advice
Our application provides financial tracking tools, calculators, and educational resources. However:
- We are not financial advisors, planners, brokers, or tax professionals.
- Information provided through our service is for informational purposes only and should not be considered financial advice.
- All financial decisions and actions based on information from our application are solely your responsibility.
- We recommend consulting with qualified financial professionals before making important financial decisions.
5. Service Limitations
- Availability: We strive to provide uninterrupted service but cannot guarantee the application will always be available or error-free.
- Third-Party Dependencies: Our service relies on third-party data providers and your financial institutions' systems, which may occasionally experience downtime or connectivity issues.
- Service Changes: We reserve the right to modify, suspend, or discontinue any part of our service at any time.
- Feature Updates: We may add, change, or remove features as the application evolves.
6. Privacy & Data Security
Protecting your financial data is our highest priority. We implement multiple layers of security:
Advanced Encryption: All sensitive data is protected using bank-level AES-256 encryption, the same standard used by major financial institutions worldwide.
- Encrypted Data Storage: Your personal and financial information is encrypted before storage, ensuring it remains protected even from internal access
- Secure Infrastructure: Our systems are hosted on enterprise-grade, SOC 2 compliant infrastructure with 24/7 monitoring
- Data Minimization: We collect only the information necessary to provide our services and never store unnecessary personal data
- Regular Security Updates: Our security measures are continuously updated to address emerging threats and vulnerabilities
- Incident Response: We maintain comprehensive incident response procedures to quickly address any potential security issues
For complete details on our data practices, please review our Privacy Policy.
Your Data Rights: You maintain full control over your data and can request access, correction, or deletion at any time by contacting our support team.
7. Subscription & Payment Terms
- This is a free service.
- However, in the future certain features may require a paid subscription.
8. Limitation of Liability
To the maximum extent permitted by law:
- We are not liable for any indirect, incidental, special, consequential, or punitive damages.
- We are not responsible for financial decisions you make based on information provided through our application.
- Our total liability for any claims relating to these Terms or our service shall not exceed the amount you paid for your subscription in the past 12 months.
9. Term & Termination
- These Terms will remain in effect until terminated by you or us.
- You may terminate these Terms by cancelling your account and discontinuing use of our service.
- We may terminate or suspend your account and access to our service immediately, without prior notice, for conduct that violates these Terms or applicable laws.
10. Updates to Terms
- We may update these Terms periodically to reflect changes in our practices or for legal or regulatory reasons.
- We will notify you of significant changes through the application or via email.
- Your continued use of our service after changes are posted constitutes your acceptance of the updated Terms.