Terms of Service

1. Acceptance of Terms

By accessing or using Finley ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you don't agree to these Terms, please don't use Finley.

These Terms apply to all users of Finley, including visitors, registered users, and any other users of the Service.

2. Description of Service

Finley is an AI-powered personal finance management platform that provides:

• Financial data analysis and insights
• Spending categorization and budgeting tools
• Net worth tracking and calculations
• AI-generated financial recommendations and advice
• Financial statement upload and processing

3. User Accounts and Registration

Account Creation

• You must be at least 18 years old to create an account
• You must provide accurate and complete information during registration
• You're responsible for maintaining the confidentiality of your account credentials
• You're responsible for all activities that occur under your account

Account Security

• Notify us immediately of any unauthorized use of your account
• Use a strong, unique password for your Finley account
• Enable two-factor authentication when available
• Log out of your account when using shared or public devices

4. Acceptable Use

You May:

• Use Finley for personal financial management
• Upload your own financial statements and data
• Share insights with your financial advisors (with proper data protection)
• Export your data for personal use

You May NOT:

• Upload financial data that doesn't belong to you
• Attempt to reverse engineer or hack our AI systems
• Use Finley for illegal activities or money laundering
• Share your account credentials with others
• Scrape or extract data from our platform without permission
• Use our service to compete with us or build similar products

5. AI-Generated Content and Limitations

• Accuracy: We don't guarantee the accuracy of AI-generated insights or recommendations
• Personal Responsibility: You're responsible for verifying all information before making financial decisions
• Professional Advice: Always consult qualified financial professionals for important financial decisions
• Continuous Improvement: Our AI learns and improves over time, but may make mistakes

6. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

• You retain ownership of your financial data
• We use your data to provide personalized insights and improve our services
• You can request deletion of your data at any time
• We implement bank-level security to protect your information

7. Intellectual Property

Finley's Property

The Finley platform, including our AI models, algorithms, design, and content, is owned by Finley Technologies Inc. and protected by intellectual property laws.

Your Content

You retain ownership of your financial data and any content you upload. By using Finley, you grant us a limited license to process your data to provide our services.

8. Service Availability

• We strive to keep Finley available 24/7, but cannot guarantee 100% uptime
• We may perform maintenance that temporarily affects service availability
• We reserve the right to modify or discontinue features with reasonable notice
• We're not liable for temporary service interruptions

9. Disclaimers and Limitations of Liability

• No Warranties: We provide Finley "as is" without any express or implied warranties
• Financial Decisions: We're not responsible for financial decisions you make based on our insights
• Data Accuracy: While we strive for accuracy, we don't guarantee error-free data processing
• Third-Party Services: We're not responsible for third-party services integrated with Finley

10. Termination

Your Rights

• You can delete your account at any time
• You can request deletion of your data
• You can stop using Finley without penalty

Our Rights

• We may suspend or terminate accounts for Terms violations
• We may discontinue the service with reasonable notice
• We may modify these Terms with appropriate notice

11. Governing Law

These Terms are governed by the laws of Ontario, Canada. Any disputes will be resolved in the courts of Toronto, Ontario. If any provision of these Terms is found invalid, the remaining provisions will continue to apply.

12. Changes to Terms

We may update these Terms from time to time. When we do, we'll:

• Update the "Last Updated" date at the top
• Notify you by email of significant changes
• Give you reasonable time to review changes before they take effect
• Allow you to terminate your account if you don't agree to new terms

13. Contact Information

If you have questions about these Terms or need support, please contact us: