Terms of Service

1. Acceptance of Terms

By accessing and using MyMoney AI ("the Service"), 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. Description of Service

MyMoney AI provides financial planning and portfolio analysis tools, including but not limited to asset allocation analysis, retirement planning calculations, and AI-powered financial advice. The Service is provided "as is" and on an "as available" basis.

3. User Accounts

To access certain features of the Service, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Promptly updating your account information

4. Financial Disclaimer

IMPORTANT: MyMoney AI is not a licensed financial advisor, broker-dealer, or investment advisor.

The information and tools provided through our Service are for educational and informational purposes only and should not be construed as personalized investment advice. You acknowledge that:

• All investment decisions are made at your own risk
• Past performance does not guarantee future results
• You should consult with qualified financial professionals before making investment decisions
• We do not guarantee the accuracy of financial calculations or projections
• Market conditions can change rapidly and affect investment outcomes

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, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Service
• Use automated systems to access the Service without permission

6. Intellectual Property

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

7. Data Security and Third-Party Services

We use third-party services including Plaid for financial data aggregation. By using our Service, you acknowledge and agree that:

• Your financial data may be processed by our third-party partners
• We implement industry-standard security measures but cannot guarantee absolute security
• You are responsible for maintaining the security of your financial accounts
• You should review the privacy policies of our third-party partners

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MYMONEY AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Financial losses resulting from investment decisions
• Loss of profits, data, or business opportunities
• Service interruptions or technical failures
• Errors in calculations or financial projections
• Unauthorized access to your account or data

Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless MyMoney AI, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

10. Subscription and Billing

If you choose to purchase a paid subscription:

• Subscriptions automatically renew unless cancelled
• You may cancel at any time through your account settings
• Refunds are provided according to our refund policy
• We reserve the right to change pricing with 30 days notice
• Failed payments may result in service suspension

11. Termination

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

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Michigan, USA, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Michigan, USA.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new Terms.

15. Contact Information

If you have questions about these Terms, please contact us at: