Terms of Service
Last updated: DRAFT
These Terms govern your use of DigitalFinanceIQ. By creating an account you agree to them. This is a DRAFT and must be completed with counsel.
1. Eligibility
You must be at least 18 years old and able to form a binding contract to use the service.
2. The service
DigitalFinanceIQ aggregates your financial accounts, provides educational insights and AI coaching, and lets you initiate payments you authorize. Account aggregation and payments are provided through third parties (e.g. Plaid).
3. Not financial advice
- DigitalFinanceIQ is not a registered investment advisor.
- Information provided is for educational purposes only.
- This is not financial, legal, or tax advice.
- Consult a qualified professional before making financial decisions.
4. Your responsibilities
Keep your credentials secure, provide accurate information, and use the service lawfully. You are responsible for payments you authorize.
5. Limitation of liability & disclaimers
📝 TODO (counsel): Add "as-is" warranty disclaimer, limitation-of-liability cap, indemnification, governing law/venue, arbitration/class-action waiver (if desired), and termination terms — all jurisdiction-dependent and counsel-required.
6. Changes
We may update these Terms; we will notify you of material changes.
📝 TODO (counsel): Define notice mechanism and how continued use constitutes acceptance.