Terms of Service

Introduction and Acceptance of Terms

Welcome to Money101, an AI-powered financial education platform designed to help you understand personal finance, make smarter investment decisions, and achieve financial freedom. By accessing or using our service, you agree to be bound by these Terms of Service. If you do not agree with any of these terms, please do not use our service.

Use of the Service

Money101 provides users with a comprehensive AI-powered financial advisory platform that includes personalized guidance, educational resources, budgeting tools, investment guidance, and retirement planning services. You agree to use the service in accordance with all applicable local, state, national, and international laws and regulations.

User Accounts and Registration

  1. Account Creation: To access certain features of the service, you need to create an account. You must provide accurate and complete information during the registration process.
  2. Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
  3. User Responsibilities: You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Content and Intellectual Property Rights

All content provided through Money101, including but not limited to financial advice, educational materials, budgeting tools, and AI-powered recommendations, is protected under copyright law. The copyright owner of Money101 is Money101 AI Technologies.

  • You acknowledge that you do not own the underlying technology or intellectual property that makes up the Money101 service, and you agree to respect the intellectual property rights of Money101 AI Technologies and any third parties.
  • While your personal financial data and information remain your property, the core Money101 platform and its AI technology remain the property of Money101 AI Technologies.

Prohibited Activities

You agree not to engage in any of the following prohibited activities while using Money101:

  • Unauthorized access to or distribution of our proprietary AI algorithms and financial advice systems
  • Sharing or reselling personalized financial advice received through our platform
  • Interfering with or disrupting the security or performance of the service
  • Using the service for any illegal or unauthorized purpose
  • Attempting to manipulate or bypass our AI advisory systems

Privacy and Data Collection

Money101 collects the following types of data:

  • Account Information: Information you provide when creating an account
  • Financial Information: Data about your financial situation, goals, and preferences
  • Usage Details: Data related to your activity on our service
  • Device Information: Information about the device you use to access our service
  • Cookies: Data that helps us enhance your experience with our service

For more details on data collection practices, please refer to our separate Privacy Policy.

Financial Advice Disclaimer

  • Money101's AI-powered financial advice is for educational and informational purposes only
  • We do not guarantee specific financial outcomes or investment returns
  • Users should consult with qualified financial professionals for specific investment decisions
  • Past performance does not guarantee future results

Pricing and Payments

  • All purchases are final and non-refundable unless otherwise required by law
  • Prices are subject to change with notice to users
  • You agree to pay all charges associated with your selected plan
  • Payment terms are based on your selected payment method and plan

Termination

We reserve the right to terminate or suspend your access to the service at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users of the service, us, or third parties.

Disclaimer of Warranties

The service is provided on an "as is" and "as available" basis. While we strive to provide accurate financial information and advice, we make no warranties about the accuracy, reliability, or availability of the service and disclaim all warranties to the fullest extent permitted by law.

Limitation of Liability

To the fullest extent permitted by law, Money101 AI Technologies shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of or inability to use the service, including any losses resulting from financial decisions made based on our AI-powered advice.

Indemnification

You agree to indemnify and hold harmless Money101 AI Technologies, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the service or violation of these Terms.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Money101 AI Technologies operates, without regard to its conflict of law provisions. Any disputes arising from these Terms or the service will be resolved through binding arbitration in accordance with applicable laws.

Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of the service after any changes signifies your acceptance of the new terms.

Contact Information

If you have any questions about these Terms, please contact us at jason@polytime.app.

By using Money101, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Thank you for choosing Money101 as your AI-powered financial advisor!