Terms & Conditions

1. Acceptance of Terms

Welcome to AI Financial Solutions. By accessing or using our website, mobile applications, and services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and AI Financial Solutions Ltd. ("we," "us," or "our"), a company registered in the United Kingdom with company number 88291253 and registered office at 680 Thomas Station West Roxanneville B26 3SX.

Please read these Terms carefully before using our Services. By using our Services, you confirm that you are at least 18 years old and capable of forming a binding contract.

2. Use of Services

2.1 Account Registration

To access certain features of our Services, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

2.2 Acceptable Use

When using our Services, you agree to:

• Comply with all applicable laws and regulations
• Respect the rights of others, including privacy and intellectual property rights
• Use the Services only for lawful purposes and in accordance with these Terms
• Not use the Services in any way that could damage, disable, overburden, or impair the operation of the Services

2.3 Prohibited Activities

You agree not to engage in any of the following activities:

• Using the Services for any illegal or unauthorized purpose
• Attempting to gain unauthorized access to any portion of the Services or any other systems or networks connected to the Services
• Collecting or harvesting any information from the Services without our express permission
• Uploading or transmitting viruses, malware, or other malicious code
• Interfering with or disrupting the operation of the Services
• Impersonating another person or entity, or falsely stating or misrepresenting your affiliation with a person or entity
• Using the Services to send unsolicited communications, promotions, or advertisements
• Attempting to decipher, decompile, disassemble, or reverse engineer any of the software comprising or making up the Services

3. User Rights and Responsibilities

3.1 Financial Information

Our Services may allow you to connect your financial accounts from third-party institutions. By providing your account information, you authorize us to access your financial information for the purpose of providing our Services.

You acknowledge that:

• We do not own or control third-party financial institutions or their systems
• We are not responsible for any errors, delays, or inaccuracies in the information provided by third-party institutions
• You are responsible for complying with the terms and conditions of your agreements with these third-party institutions
• You authorize us to act as your agent in accessing your financial information from third-party institutions

3.2 User Content

You may be able to submit, post, or display content on or through our Services ("User Content"). You retain ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute your User Content in connection with providing and improving our Services.

You represent and warrant that:

• You own or have the necessary rights to your User Content
• Your User Content does not infringe upon the rights of any third party
• Your User Content does not violate any applicable laws or regulations

We reserve the right to remove any User Content that violates these Terms or that we determine is harmful, offensive, or otherwise inappropriate.

4. Intellectual Property

4.1 Our Intellectual Property

The Services, including all content, features, and functionality, are owned by AI Financial Solutions, our licensors, or other providers and are protected by copyright, trademark, patent, and other intellectual property laws.

Unless explicitly stated, nothing in these Terms shall be construed as conferring any license to our intellectual property rights, whether by estoppel, implication, or otherwise.

4.2 Trademarks

The AI Financial Solutions name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of AI Financial Solutions or our affiliates. You may not use such marks without our prior written permission.

4.3 Feedback

If you provide us with any feedback, suggestions, or ideas regarding our Services ("Feedback"), you grant us a perpetual, worldwide, royalty-free license to use, reproduce, disclose, and distribute such Feedback for any purpose without restriction or compensation to you.

5. Limitation of Liability

5.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

• The Services will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Services are free of viruses or other harmful components
• The results of using the Services will meet your requirements

5.2 Financial Advice Disclaimer

Our Services may provide financial information and tools, but this does not constitute professional financial advice. All information and tools are for informational and educational purposes only. You should consult with a qualified financial advisor before making any financial decisions.

5.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AI FINANCIAL SOLUTIONS, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims arising from or relating to these Terms or your use of the Services exceed the amount paid by you, if any, for accessing our Services during the twelve (12) months immediately preceding the date of the claim.

6. User Conduct

6.1 Community Guidelines

Our Services may include interactive features and areas where users can create, post, transmit, or store content and interact with other users. When using these features, you agree to adhere to the following community guidelines:

• Be respectful and courteous to other users
• Do not post content that is defamatory, harmful, obscene, harassing, or otherwise objectionable
• Do not promote discrimination, bigotry, racism, hatred, or physical harm against any group or individual
• Do not use the Services to promote illegal activities or to exploit or harm others
• Respect the privacy of others and do not share their personal information without consent
• Do not use the Services to send spam or bulk unsolicited messages

6.2 Monitoring and Enforcement

We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported or suspected violation of these Terms and take any action we deem appropriate, including:

• Removing or refusing to display content
• Restricting or terminating access to certain features or the entire Service
• Reporting violations to law enforcement authorities
• Taking legal action

7. Modification of Terms

We reserve the right to modify these Terms at any time. If we make material changes to these Terms, we will notify you by email or through a notice on our website before the changes become effective.

Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must stop using our Services.

We encourage you to review these Terms periodically to stay informed about our rules and policies.

8. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination:

• Your right to use the Services will immediately cease
• We may delete your account and all related information and files
• We may prohibit further access to the Services

All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. General Provisions

9.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

9.2 Dispute Resolution

Any dispute arising from or relating to these Terms or the Services shall be resolved through arbitration in accordance with the rules of the London Court of International Arbitration. The arbitration shall take place in London, UK, in the English language.

9.3 Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

9.4 Entire Agreement

These Terms constitute the entire agreement between you and AI Financial Solutions regarding the Services and supersede all prior agreements and understandings, whether written or oral.

9.5 Contact Information

If you have any questions about these Terms, please contact us at: