Terms of Service

1. Acceptance of Terms

By accessing or using EQUO ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service. These Terms constitute a legally binding agreement between you and EQUO.

2. Description of Service

EQUO is a technology platform that provides automated financial analysis, educational content, and optimization suggestions through artificial intelligence. We aggregate financial data, analyze spending patterns, and provide general financial information and tools. We do not provide personalized investment advice, tax advice, or serve as a financial advisor in any capacity.

3. IMPORTANT FINANCIAL DISCLAIMERS

3.1 Not a Financial Advisor

3.2 Educational Content Only

All information, suggestions, and content provided by EQUO are for educational and informational purposes only. Our AI-generated recommendations, optimization suggestions, and financial insights should not be considered personalized investment advice, tax advice, or recommendations to buy, sell, or hold any financial instrument.

3.3 Investment Risks and Disclaimers

• All investments involve risk of loss, including the potential loss of principal
• Past performance does not guarantee future results
• Market conditions can change rapidly and investments may lose value
• You are solely responsible for all investment decisions and their consequences
• Consult licensed professionals before making significant financial decisions
• Tax implications vary and you should consult a tax professional

3.4 AI Technology Limitations

Our AI technology provides automated analysis and suggestions based on algorithms and data patterns. AI systems may make errors, have biases, or produce unexpected results. You acknowledge that:

• AI recommendations are not personalized advice
• AI systems may misinterpret data or make calculation errors
• AI cannot replace human judgment or professional expertise
• Machine learning models may not predict future market conditions

4. Account Security and Access

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You agree to:

• Provide accurate and complete information during registration
• Keep your login credentials secure and confidential
• Use strong passwords and enable two-factor authentication when available
• Notify us immediately of any unauthorized access or security breach
• Accept full responsibility for all activities under your account
• Regularly review your account for unauthorized transactions or activities

5. Third-Party Financial Integrations

5.1 Plaid and Bank Connections

We use Plaid Technologies, Inc. to connect to your financial accounts. By using this feature, you agree to Plaid's End User Privacy Policy and Terms of Service. We do not store your banking credentials. You are responsible for:

• Ensuring you have authorization to connect accounts
• Monitoring connected accounts for accuracy
• Disconnecting accounts if you no longer wish to share data
• Notifying us of any data discrepancies

5.2 Investment Platform Integrations

Connections to investment platforms (including but not limited to brokerage accounts) are subject to their respective terms and conditions. We are not responsible for the accuracy of data from these platforms or any trading restrictions or limitations they may impose.

5.3 Payment Processing

Payment processing is handled by Stripe, Inc. and subject to their Terms of Service. All subscription and payment terms are non-refundable unless otherwise specified.

6. Automated Features and User Consent

6.1 Automated Analysis

By connecting your accounts, you consent to automated analysis of your financial data to generate insights and suggestions. This includes but is not limited to:

• Transaction categorization and spending analysis
• Account balance and cash flow monitoring
• Investment allocation analysis
• Optimization opportunity identification
• Goal tracking and progress monitoring

6.2 No Automated Execution Without Explicit Consent

EQUO will NEVER execute financial transactions, transfers, or investment actions without your explicit consent for each specific action. All automated suggestions require your approval before any execution.

6.3 Memory and Personalization

Our AI system uses memory technology to learn your preferences and provide more relevant suggestions over time. This data is used solely to improve your experience and is not shared with third parties for marketing purposes.

7. LIMITATION OF LIABILITY

7.1 No Liability for Financial Losses

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EQUO SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSSES, INVESTMENT LOSSES, MISSED OPPORTUNITIES, OR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Your use of or reliance on our Service or any information provided
• Investment decisions made based on our suggestions or analysis
• AI-generated recommendations or analysis errors
• Third-party platform failures, data errors, or service interruptions
• Security breaches, unauthorized access, or data loss
• Technical failures, system downtime, or software bugs
• Regulatory changes affecting financial strategies
• Market volatility or economic events

7.2 Maximum Liability Cap

IN NO EVENT SHALL EQUO'S TOTAL LIABILITY TO YOU EXCEED THE TOTAL AMOUNT PAID BY YOU TO EQUO IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS LESS.

7.3 Service Provided "AS IS"

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

8. Regulatory Compliance and Disclaimers

8.1 Regulatory Status

EQUO is not registered with the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulator as an investment advisor or broker-dealer.

8.2 Compliance with Laws

You are responsible for complying with all applicable laws, regulations, and tax obligations in your jurisdiction. This includes but is not limited to:

• Tax reporting requirements for investments and transactions
• Securities laws and investment regulations
• Anti-money laundering and know-your-customer requirements
• International financial reporting obligations if applicable

9. Data Use and AI Processing

By using our Service, you consent to the processing of your financial data through artificial intelligence systems for analysis and suggestion generation. This may include sharing anonymized data with AI service providers. See our Privacy Policy for complete details.

10. Professional Advice Recommendation

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice in the Service at least 30 days before they take effect. Continued use after the effective date constitutes acceptance of updated Terms.

12. Termination and Data Deletion

Either party may terminate this agreement at any time. Upon termination:

• Your access to the Service will cease immediately
• All automated analysis and suggestions will stop
• Connected accounts will be disconnected
• Data retention will follow our Privacy Policy
• No refunds will be provided for unused subscription periods

13. Dispute Resolution and Governing Law

These Terms are governed by Delaware state law without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14. Contact Information

For questions about these Terms of Service, please contact us at:

Email: legal@aurary.com