1. Acceptance of Terms
By accessing or using MoneyMap101 ("the Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Service.
2. Description of Service
MoneyMap101 is an AI-powered personal finance tool that provides budget analysis, portfolio recommendations, market information, conversation history, and financial insights. The Service is provided for informational and educational purposes only.
3. Not Financial Advice
IMPORTANT DISCLAIMER:
MoneyMap101 does not provide financial advice, investment advice, tax advice, or legal advice. All content generated by the Service, including budget analyses, portfolio recommendations, and market commentary, is for informational and educational purposes only.
- AI-generated portfolio recommendations are not personalized investment advice
- Past portfolio performance data shown is not indicative of future results
- You should consult a licensed financial advisor before making investment decisions
- We are not a registered investment advisor, broker-dealer, or financial planner
4. Eligibility
You must be at least 18 years old to use MoneyMap101. By using the Service, you represent that you meet this requirement and that you have the right and authority to agree to these Terms.
5. Account Registration
You must create an account to use the Service. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to provide accurate information and to update it as necessary.
6. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorized access to any part of the Service
- Upload malicious code or attempt to interfere with the Service
- Scrape, copy, or redistribute Service content without permission
- Use the Service to harm, defraud, or deceive others
- Upload files containing personal data of others without their consent
7. Your Financial Data
You retain ownership of the personal data you submit. By using the Service, you grant MoneyMap101 a license to:
- Process your data to provide the Service
- Store conversation history and financial snapshots to personalize your experience
We do not sell your personal data or financial information to third parties.
8. Conversation History
Messages you exchange with the Finance Assistant are stored in our database to allow you to access past conversations. You may delete individual conversations or your entire account at any time. Deleting your account permanently removes all conversation history.
9. AI-Generated Content
Content generated by AI may contain errors, inaccuracies, or outdated information. You acknowledge that AI analysis is inherently imperfect and should not be relied upon as the sole basis for financial decisions. Always verify important information with qualified professionals.
10. Third-Party Integrations
The Service integrates with third-party services including Plaid for bank connectivity. Use of these integrations is subject to their respective terms of service. We are not responsible for third-party service outages, data breaches, or policy changes.
11. Limitation of Liability
To the maximum extent permitted by law, MoneyMap101 and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. In no event shall our total liability exceed the amount you paid for the Service in the 12 months preceding the claim.
12. Disclaimer of Warranties
The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or meet your requirements.
13. Account Termination
You may delete your account at any time through the Settings page. We may suspend or terminate accounts that violate these Terms. Upon termination, your data will be permanently deleted within 30 days in accordance with our Privacy Policy.
14. Changes to Terms
We may update these Terms periodically. Material changes will be communicated via the Service. Continued use after changes constitutes acceptance of the updated Terms.
15. Governing Law
These Terms are governed by applicable law. Any disputes shall be resolved in the appropriate jurisdiction.
16. Contact
For questions about these Terms, use the Help & Support page within the application.