Fine - Personal Finance Management

1. Acceptance of Terms

By accessing and using Fine ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these Terms of Service, do not use or access the Service.

2. Description of Service

Fine is a personal finance management platform that helps users track expenses, create budgets, and manage their financial goals. We provide AI-powered insights and tools to help you make better financial decisions.

3. User Account and Security

Account Registration

You must provide accurate and complete information when creating your account. You are responsible for maintaining the confidentiality of your account credentials.

Account Security

You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized use of your account.

4. Financial Data and Privacy

We use bank-level encryption to protect your financial data
We do not store your banking credentials
Your data is used solely to provide our services as described in our Privacy Policy
You can disconnect your accounts and delete your data at any time

5. Acceptable Use

You agree not to:

Use the Service for any illegal or unauthorized purpose
Attempt to gain unauthorized access to our systems
Upload malicious code or attempt to disrupt the Service
Share your account credentials with others
Use automated systems to access the Service
Reverse engineer or attempt to extract our source code

6. Subscription and Billing

Free Trial

We offer a 14-day free trial for new users. You can cancel at any time during the trial period without charge.

Paid Subscriptions

Paid subscriptions are billed monthly or annually. All fees are non-refundable except as required by law.

Cancellation

You may cancel your subscription at any time. Your access will continue until the end of your current billing period.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Fine and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Disclaimers and Limitations

Financial Advice

Fine provides tools and insights but does not provide financial advice. You should consult with qualified financial advisors for investment decisions.

Service Availability

We strive for 99.9% uptime but cannot guarantee uninterrupted service. We may perform maintenance that temporarily limits access.

Data Accuracy

While we work to ensure data accuracy, you should verify important financial information with your financial institutions.

9. Limitation of Liability

To the maximum extent permitted by law, Fine shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.

10. Termination

We may terminate or suspend your account and access to the Service at our sole discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users.

11. Governing Law

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

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or through the Service. Continued use after changes constitutes acceptance of the new Terms.

13. Contact Information

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

Email: legal@fine.dev
Address: 123 Financial District, San Francisco, CA 94111
Phone: +1 (555) 123-4567