Terms & Conditions

1. Introduction

Welcome to FinanceIQ ("we," "our," "us"). These Terms & Conditions ("Terms") govern your use of our website, mobile application, and related services (collectively, the "Service").

By creating an account or using FinanceIQ, you agree to these Terms. If you do not agree, please stop using the Service immediately.

2. About FinanceIQ

FinanceIQ is a personal finance platform that helps you view and manage your financial data by connecting accounts, tracking assets and liabilities, and receiving AI-powered insights. Our Service is for informational and educational purposes only and should not be considered financial or investment advice.

3. User Eligibility

To use FinanceIQ, you must:

• ●Be at least 18 years old (or the age of majority in your jurisdiction)
• ●Provide accurate and current information during registration
• ●Use the Service only for lawful purposes and in compliance with these Terms.

4. Account Registration and Security

You are responsible for maintaining the confidentiality of your login credentials and any activity under your account. Notify us immediately if you suspect unauthorized use. We are not liable for any loss arising from unauthorized access to your account.

5. Connecting Financial Accounts

FinanceIQ uses trusted third-party services (such as Plaid and Charted) to securely connect and display your financial data.

• ●We have read-only access — we cannot move, withdraw, or modify funds.
• ●By connecting an account, you authorize us to access and display relevant financial data as part of the Service.

6. AI-Powered Features

Our AI Assistant analyzes your financial information to provide personalized insights and recommendations. These insights are automatically generated and should not replace advice from a qualified financial professional. FinanceIQ is not liable for financial decisions you make based on AI responses.

7. Privacy and Data Use

Your privacy matters to us. Our Privacy Policy explains how we collect, store, and use your information. By using FinanceIQ, you consent to this data usage.

We do not sell your data to third parties.

8. Intellectual Property

All content, logos, trademarks, designs, and software associated with FinanceIQ are our property or licensed to us. You may not copy, reproduce, modify, or distribute any part of the Service without our prior written consent.

9. Acceptable Use

You agree not to:

• ●Use FinanceIQ for any unlawful or fraudulent purpose.
• ●Attempt to gain unauthorized access to our systems.
• ●Interfere with or disrupt the Service.
• ●We reserve the right to suspend or terminate your account for violations of these Terms.

10. Limitation of Liability

FinanceIQ provides the Service on an "as is" and "as available" basis. We make no warranties about accuracy, completeness, or availability.

We are not liable for any direct, indirect, or consequential damages resulting from your use of the Service, including reliance on AI outputs or third-party data connections.

11. Termination

You may stop using FinanceIQ at any time. We may suspend or terminate access if you breach these Terms, misuse the Service, or for any other reason as determined in our discretion.

12. Changes to These Terms

We may update these Terms occasionally. If we make material changes, we will notify you by email or through our app. Continued use of the Service after changes constitutes acceptance of the new Terms.