Terms of Use
Effective [DATE] · These terms are between you and [COMPANY LEGAL NAME] (“we”, “us”) for use of this pilot app (“the App”). By logging in you agree to them and to our Privacy Policy.
1. Educational tool, not advice
The App helps you organize and review your own numbers. It is not investment, tax, legal, insurance, credit or lending advice, does not predict outcomes, and does not move money or connect to your accounts. The figures are only as accurate as what you enter. You are responsible for your financial decisions; consult a qualified professional. [LAWYER: confirm disclaimer wording and any licensing issues in your jurisdiction.]
2. Pilot / beta
The App is a pilot. It may change, have errors or be interrupted, and we may end the pilot at any time. Keep your own copy of anything important (use the Report screen to print or save a PDF).
3. Accounts
Accounts are issued by an administrator. Keep your login confidential, use a strong password, and turn on two-factor login in the Security tab. You are responsible for activity under your account. Tell us promptly at [CONTACT EMAIL] if you suspect unauthorized use.
4. Acceptable use
Don’t attempt to access other users’ data, probe or disrupt the service, upload unlawful content, or use the App for unlawful purposes. We may suspend or delete accounts that break these terms.
5. Upgrades and payments
Some features may be offered as optional one-time purchases, charged in US dollars through Stripe. Prices are shown before you pay. Purchases unlock the described feature for your account. [REFUND POLICY: e.g. refunds within X days if the feature does not work as described. LAWYER: confirm consumer-law requirements, taxes and withdrawal rights.]
6. Your data
You own what you enter. You give us permission to store and process it to operate the App as described in the Privacy Policy. You may ask us to delete your account and data at any time.
7. Our content
The App, its design and text belong to us or our licensors. You get a personal, non-exclusive, non-transferable right to use it during the pilot. [LAWYER: IP / feedback licence.]
8. Disclaimers and liability
The App is provided “as is” and “as available” without warranties of any kind. To the extent the law allows, we are not liable for indirect or consequential losses, lost profits or lost data, and our total liability is limited to [AMOUNT, e.g. the amount you paid in the last 12 months]. [LAWYER: enforceability varies by jurisdiction; some rights cannot be excluded.]
9. Ending your use
You can stop using the App at any time. We may suspend or end access at any time, with notice where practical.
10. Governing law and changes
These terms are governed by the laws of [STATE/COUNTRY], with disputes heard in [VENUE]. [LAWYER: arbitration / class-action clauses if desired.] We may update these terms and will post the new effective date; continued use means you accept the update.
11. Contact
[COMPANY LEGAL NAME, MAILING ADDRESS, CONTACT EMAIL]