1 Introduction

Welcome to [Your Company Name], a personal financial management platform. These Terms and Conditions ("Terms") govern your access to and use of our website, services, and mobile application (collectively, the "Service"). By accessing or using our Service, you agree to comply with these Terms and all applicable laws and regulations.

2 Acceptance of Terms

By using or accessing the website and/or downloading the application, you acknowledge that you have read, understood, and agree to be bound by these Terms, including any updates or modifications.

3 Eligibility

To use our Service, you must be at least 18 years old. If you are under 18, you must have the consent of a parent or legal guardian to use the Service. By using the Service, you represent that you meet these eligibility requirements.

4 Account Registration

To access certain features of the Service, you may be required to create an account. You agree to provide accurate, complete, and up-to-date information during registration and to maintain the confidentiality of your account credentials. You are responsible for all activities that occur under your account.

5 Use of the Service

You may use the Service for personal, non-commercial purposes only. You agree not to:

Personal information (e.g., name, email address, phone number)
Usage data (e.g., browsing behavior on our website)
Payment information (for transactions, if applicable)
Choose a personalized investment plan

6 Payment and Subscriptions

Some features of the Service may require a paid subscription. By subscribing to any paid features, you agree to the pricing, billing, and payment terms stated on our website or in the app. Payments are processed through a third-party provider, and you agree to comply with their terms of service.

7 Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Service, you consent to the collection and use of your personal data in accordance with the Privacy Policy.

8 End-User License Agreement (EULA)

The application is licensed, not sold, to you. You are granted a non-exclusive, non-transferable license to download and use the app on your device. You agree not to reverse-engineer, distribute, or modify the app.

9 Disclaimer of Warranties

The Service is provided "as is" and "as available," without any warranties of any kind. We do not guarantee that the Service will be error-free, secure, or meet your specific needs. We disclaim all warranties, whether express or implied, including but not limited to fitness for a particular purpose.

10 Limitation of Liability

To the fullest extent permitted by law, [Your Company Name] shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use the Service, including any financial losses, even if we have been advised of the possibility of such damages.

11 Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party websites. You acknowledge and agree that we are not liable for any damages or losses caused by or in connection with your use of third-party services.

12 Third-Party Links

We may suspend or terminate your access to the Service at our discretion if you violate these Terms. Upon termination, your right to use the Service will immediately cease.

13 Third-Party Links

We reserve the right to update or modify these Terms at any time. Any changes will be posted on this page with an updated date. Please review these Terms periodically. By continuing to use the Service after any changes, you agree to the revised Terms.