Welcome to FinancesWiz. These Terms of Service ("Terms") govern your access to and use of our personal finance management platform. By accessing or using FinancesWiz, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our service.

1. Acceptance of Terms

By creating an account or using FinancesWiz, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using our service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Eligibility

To use FinancesWiz, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our service under applicable laws
• Provide accurate and complete registration information
• Maintain the security of your account credentials

3. Account Registration and Security

Account Creation

You must create an account to use FinancesWiz. You agree to provide accurate, current, and complete information during registration and to update this information to keep it accurate and current.

Account Security

You are responsible for:

• Maintaining the confidentiality of your password and account
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Logging out of your account at the end of each session

4. Service Description

FinancesWiz provides a personal finance management platform that includes:

• Transaction tracking and categorization
• Multi-account management
• Budgeting and savings goal tools
• Investment portfolio tracking
• Tax report generation
• AI-powered financial insights
• Bill reminders and recurring transaction management
• Receipt scanning and OCR
• Financial reports and analytics

We reserve the right to modify, suspend, or discontinue any aspect of our service at any time, with or without notice.

5. User Responsibilities and Prohibited Conduct

You Agree To:

• Use the service in compliance with all applicable laws and regulations
• Provide accurate financial information
• Keep your account credentials secure and confidential
• Use the service only for lawful personal financial management purposes

You Agree NOT To:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Upload malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Use automated systems to access the service without permission
• Share your account with others
• Reverse engineer or decompile the platform
• Use the service for commercial purposes without authorization
• Interfere with or disrupt the service

7. Data Accuracy and Verification

While we strive to provide accurate data and insights:

• You are responsible for verifying the accuracy of all financial data
• We rely on third-party services (like Plaid) for account connections
• Automatic categorization may contain errors that you should review
• Tax reports are estimates and should be reviewed by a tax professional
• We are not liable for errors in imported or processed data

8. Third-Party Services and Integrations

FinancesWiz integrates with third-party services such as Plaid for bank connections and Grok AI for insights.

• We are not responsible for the availability or functionality of third-party services
• Third-party services have their own terms and privacy policies
• You authorize us to access your financial data through these services
• You can disconnect third-party services at any time

9. Intellectual Property

All content, features, and functionality of FinancesWiz are owned by us and are protected by copyright, trademark, and other intellectual property laws.

• You may not copy, modify, or distribute our content without permission
• Your financial data remains your property
• We retain rights to anonymized, aggregated data for service improvement
• Any feedback you provide may be used without compensation

11. Indemnification

You agree to indemnify and hold harmless FinancesWiz and its affiliates from any claims, damages, losses, or expenses arising from your use of the service, violation of these Terms, or violation of any rights of another party.

12. Termination

We reserve the right to suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Extended periods of inactivity
• Any reason with or without notice

You may terminate your account at any time through your account settings. Upon termination, your data will be deleted according to our data retention policy.

13. Dispute Resolution

Any disputes arising from these Terms or your use of FinancesWiz shall be resolved through:

• Initial informal resolution attempts
• Binding arbitration if informal resolution fails
• Governed by the laws of your jurisdiction

14. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the service after changes constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.