1. Acceptance of Terms

By accessing and using this financial planning application, you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to these terms, please do not use this service.

2. Description of Service

This application provides personal financial planning tools including:

• Net worth tracking and portfolio management
• Custom financial goal setting and tracking
• Retirement planning calculations
• Expense tracking and analysis
• AI Insights for personalized financial guidance
• Future wealth projections

3. User Responsibilities

As a user of this service, you agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Not share your account with others
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to any part of the service
• Not use automated systems to access the service

4. Financial Advice Disclaimer

5. Data Accuracy

While we strive to provide accurate calculations and projections, we do not guarantee the accuracy, completeness, or reliability of any content or calculations. You are responsible for verifying all information and calculations provided by the service.

6. Intellectual Property

All content, features, and functionality of this application are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the service, including but not limited to financial losses, lost profits, or loss of data.

8. Service Availability

We strive to provide uninterrupted service but do not guarantee that the service will be available at all times. We reserve the right to modify, suspend, or discontinue any part of the service with or without notice.

9. Account Termination

We reserve the right to terminate or suspend your account at any time for violation of these terms. You may terminate your account at any time through the "Delete Your Data" option in account settings.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of any material changes via email or in-app notification. Continued use of the service after changes constitutes acceptance of the modified terms.

11. Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

12. Contact Information

For questions about these terms, please contact us through the app or via email.