Terms of Service
1. Acceptance of Terms
By accessing and using the FinlingoBETA AI-powered financial assistant service ("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
FinlingoBETA provides an AI-powered financial assistant that helps users:
- Analyze and understand their financial data
- Receive personalized financial insights and recommendations
- Learn about personal finance through gamified lessons
- Track spending and manage budgets
- Get AI-powered financial advice and guidance
The Service is currently in beta and may be modified, suspended, or discontinued at any time.
3. User Accounts and Registration
To access certain features of the Service, you may be required to:
- Register for a beta account
- Provide accurate and complete information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized use
You are responsible for all activities that occur under your account.
4. Financial Data and Privacy
Our Service may involve the collection and processing of financial information:
- Bank account connection is optional and requires your explicit consent
- We use Plaid, Inc. for secure financial data access
- We do not store your banking credentials
- All data processing is subject to our Privacy Policy
- You can disconnect your financial accounts at any time
By using our Service, you acknowledge that you have read and agree to our Privacy Policy.
5. Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Service for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the Service or servers
- Transmit viruses, malware, or other harmful code
- Use the Service to provide financial advice to others
- Reverse engineer or attempt to extract source code
- Use automated systems to access the Service
6. Intellectual Property
The Service and its original content, features, and functionality are owned by FinlingoBETA, LLC 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 without our prior written consent.
7. Disclaimers and Limitations
7.1 Financial Advice Disclaimer
The information provided by our Service is for educational and informational purposes only. It is not intended as financial advice, and should not be relied upon as such. Always consult with qualified financial professionals before making financial decisions.
7.2 Service Availability
We strive to maintain high availability but do not guarantee uninterrupted access to the Service. The Service is provided "as is" without warranties of any kind.
7.3 Limitation of Liability
To the maximum extent permitted by law, FinlingoBETA, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.
8. Beta Service Terms
As a beta service, you acknowledge that:
- The Service may contain bugs, errors, or other issues
- Features may be added, modified, or removed without notice
- Service availability and performance may vary
- We may collect feedback and usage data to improve the Service
- Beta access may be limited or terminated at any time
9. Termination
We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including:
- Breach of these Terms of Service
- Fraudulent or illegal activity
- End of beta program
- Service discontinuation
Upon termination, your right to use the Service will cease immediately.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the courts of California.
11. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Terms.
12. Contact Information
If you have any questions about these Terms of Service, please contact us: