Terms of Service

Last updated: January 2024

1. Acceptance of Terms

By accessing and using FiscFlowAI ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

FiscFlowAI is a financial tracking platform that allows users to connect their bank accounts, track transactions, and analyze their financial data. The Service uses end-to-end encryption to protect user data.

3. User Accounts

3.1 Account Creation

You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your password.

3.2 Account Security

Your password is used to derive your encryption key. If you lose your password, you will lose access to your encrypted data. We cannot recover lost passwords due to our zero-knowledge architecture.

4. User Responsibilities

You agree to:

  • Provide accurate information
  • Maintain the security of your account
  • Use the Service in compliance with all applicable laws
  • Not attempt to circumvent security measures
  • Not use the Service for illegal activities
  • Not share your account with others

5. Bank Connections

Bank connections are facilitated through Plaid, a third-party service. By connecting your bank account, you agree to Plaid's Terms of Service and Privacy Policy. We only request read-only access to your financial data.

6. Data Ownership

You retain all rights to your financial data. We claim no ownership over your transaction data. You may export or delete your data at any time.

7. Service Availability

We strive to provide uninterrupted service but cannot guarantee 100% uptime. We may perform maintenance, updates, or experience technical issues that temporarily affect availability.

8. Limitation of Liability

To the maximum extent permitted by law:

  • The Service is provided "as is" without warranties of any kind
  • We are not liable for any indirect, incidental, or consequential damages
  • We are not responsible for financial decisions made based on the Service
  • Our total liability shall not exceed the amount you paid for the Service in the past 12 months

9. Termination

You may terminate your account at any time. We reserve the right to suspend or terminate accounts that violate these Terms of Service or engage in abusive behavior.

10. Changes to Terms

We may modify these Terms of Service at any time. We will notify users of significant changes. Continued use of the Service after changes constitutes acceptance of the new terms.

11. Intellectual Property

All content, features, and functionality of the Service are owned by FiscFlowAI and are protected by copyright, trademark, and other intellectual property laws.

12. Governing Law

These Terms shall be governed by the laws of [Your Jurisdiction], without regard to conflict of law provisions.

13. Contact Information

For questions about these Terms of Service, contact us at:
Email: legal@fiscflowai.com
Address: [Your Business Address]