Terms of Service
These Terms of Service govern your use of MyFinancePlatform and the services we provide. By accessing or using our platform, you agree to be bound by these terms.
1. Acceptance of Terms
By creating an account or using MyFinancePlatform, you acknowledge that you have read, understood, and agree to these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.
2. Description of Service
MyFinancePlatform provides AI-powered financial planning tools, investment guidance, and personalized recommendations. Our services include:
- Financial goal planning and tracking
- Investment portfolio analysis and recommendations
- Retirement planning tools
- Scenario modeling and forecasting
- Educational resources and insights
3. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use our services. By using MyFinancePlatform, you represent and warrant that you meet these eligibility requirements.
4. Account Registration and Security
To access certain features, you must create an account and provide accurate, complete information. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized access
- Keeping your account information current and accurate
5. Financial Disclaimer
Not Investment Advice
The information and tools provided by MyFinancePlatform are for educational and informational purposes only. They do not constitute personalized investment advice, tax advice, or legal advice. You should consult with qualified professionals before making financial decisions.
No Guarantee of Results
Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal. Our AI-powered recommendations are based on algorithms and historical data, which may not predict future market conditions.
Your Responsibility
You are solely responsible for your financial decisions. MyFinancePlatform does not guarantee the accuracy, completeness, or timeliness of any financial information or recommendations.
6. Prohibited Uses
You agree not to use MyFinancePlatform to:
- Violate any laws or regulations
- Infringe on intellectual property rights
- Transmit harmful code or malware
- Attempt to gain unauthorized access to our systems
- Use automated tools to scrape or harvest data
- Impersonate others or provide false information
- Engage in market manipulation or illegal trading activities
7. Intellectual Property
MyFinancePlatform and its content, features, and functionality are owned by us and protected by copyright, trademark, and other intellectual property laws. You may not modify, distribute, or create derivative works based on our platform without explicit permission.
8. Third-Party Services
Our platform may integrate with third-party financial institutions and service providers. We are not responsible for the availability, accuracy, or content of third-party services. Your use of third-party services is subject to their respective terms and conditions.
9. Data and Privacy
Our collection and use of your information is governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.
10. Fees and Payment
Some features of MyFinancePlatform may require payment. All fees are clearly disclosed before you incur them. You agree to pay all applicable fees and authorize us to charge your designated payment method.
Refund Policy
Refunds are handled on a case-by-case basis. Please contact our support team for refund requests.
11. Limitation of Liability
To the maximum extent permitted by law, MyFinancePlatform shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Financial losses from investment decisions
- Data breaches or security incidents
- Service interruptions or downtime
- Errors in calculations or recommendations
12. Indemnification
You agree to indemnify and hold harmless MyFinancePlatform from any claims, losses, or damages arising from your use of our services, violation of these terms, or infringement of any rights of others.
13. Termination
We may terminate or suspend your account at any time for violations of these terms or for any other reason. You may also terminate your account at any time through your account settings.
14. Changes to Terms
We reserve the right to modify these Terms of Service at any time. We will notify you of significant changes by email or through our platform. Continued use after changes constitutes acceptance of the modified terms.
15. Governing Law
These Terms of Service are governed by the laws of [Jurisdiction], without regard to conflict of law principles. Any disputes will be resolved through binding arbitration in [Location].
16. Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
17. Contact Information
If you have questions about these Terms of Service, please contact us:
- Email: legal@myfinanceplatform.com
- Address: [Company Address]
- Phone: [Phone Number]