Terms of Service

Acceptance of Terms

By accessing and using Finceos ("Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to abide by the above, please do not use this service.

Service Description

Finceos provides AI-powered personal finance management services, including but not limited to:

• Document analysis and data extraction
• Expense tracking and categorization
• Budget management and recommendations
• Financial insights and AI-powered advice
• Hidden fee detection and alerts
• Data synchronization and storage

User Responsibilities

Account Security

• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account
• You are liable for all activities that occur under your account
• You must provide accurate and up-to-date information

Acceptable Use

You agree not to:

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or harmful content
• Violate any applicable laws or regulations

Financial Information Disclaimer

Subscription and Billing

Payment Terms

• Subscription fees are billed in advance on a monthly or annual basis
• All payments are non-refundable except as required by law
• Prices may change with 30 days' notice
• Failed payments may result in service suspension

Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of the current billing period
• No refunds will be provided for unused portions of prepaid periods
• Data deletion follows our Privacy Policy guidelines

Limitation of Liability

Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points include:

• We use bank-level encryption to protect your financial data
• We do not sell your personal information to third parties
• You retain ownership of your data and can export it at any time
• We comply with GDPR, CCPA, and other applicable privacy laws

Intellectual Property

Our Rights

The Finceos service, including all software, technology, content, and trademarks, is owned by Finceos and protected by intellectual property laws.

Your Rights

You retain ownership of the financial data and documents you upload to our service. You grant us a limited license to process this data solely for providing our services.

Termination

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via:

• Email notification to your registered address
• In-app notifications
• Updates to this page with revised effective date

Continued use of the service after changes constitutes acceptance of the new Terms.

Contact Information