Terms of Service

1. Acceptance of Terms

By accessing and using PersonalFi.ai ("Service"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of our personal finance management platform and all related services provided by PersonalFi.ai ("Company", "we", "us", or "our").

If you do not agree to abide by the above, please do not use this service.

2. Description of Service

PersonalFi.ai provides a comprehensive personal finance management platform that helps users track income, expenses, and financial goals. Our service includes:

• Bank account integration and transaction monitoring
• Income and expense tracking
• Financial goal setting and progress monitoring
• Investment tracking and analysis
• Educational content and financial research
• Mobile and web applications

3. User Accounts and Registration

To access certain features of our Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your account information to keep it accurate and current
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

4. Financial Data and Privacy

Your financial data is protected by our comprehensive Privacy Policy. Key points include:

• We use bank-level security to protect your financial information
• We never sell your personal or financial data to third parties
• We use Plaid for secure bank connections and are fully compliant with financial data regulations
• You retain full control over your data and can delete your account at any time
• We use your data only to provide our services and improve your financial management experience

Please review our Privacy Policy for complete details about how we handle your information.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful, threatening, or offensive content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Service
• Use the Service for any commercial purpose without permission
• Share your account credentials with others

6. Subscription and Payment Terms

Our Service offers both free and premium subscription tiers:

• Free Trial: 7-day free trial of Pro features
• Pro Plan: $9/month with advanced features
• Business Plan: $15/month with business analytics

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by PersonalFi.ai and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service or included software, nor may you reverse engineer or attempt to extract the source code of that software.

8. Disclaimers and Limitations

No Financial Advice: PersonalFi.ai provides tools and information to help you manage your finances, but we do not provide financial, investment, tax, or legal advice. Always consult with qualified professionals for advice specific to your situation.

Service Availability: We strive to maintain high service availability but cannot guarantee uninterrupted access. We may temporarily suspend the Service for maintenance, updates, or other reasons.

Limitation of Liability: To the maximum extent permitted by law, PersonalFi.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, or use.

9. Third-Party Services

Our Service integrates with third-party financial institutions and services, including:

• Plaid for secure bank connections
• Financial institutions for account access
• Investment platforms for portfolio tracking

Your use of these third-party services is subject to their respective terms of service and privacy policies.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our discretion.

You may terminate your account at any time by contacting us or through your account settings. Upon termination, your right to use the Service will cease immediately.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes via email or through the Service. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: legal@personalfi.ai
• General Support: support@personalfi.ai
• Security Issues: security@personalfi.ai

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.