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.

2. Description of Service

EQUO is an AI-powered personal financial advisor platform that provides automated financial analysis, optimization recommendations, and account management services. We help users make informed financial decisions through intelligent automation and personalized advice.

3. Financial Services Disclaimer

EQUO provides educational information and automated financial optimization tools. We are not a registered investment advisor, broker-dealer, or financial planner. Our recommendations are for informational purposes only and should not be considered personalized investment advice.

All financial decisions remain solely your responsibility. Past performance does not guarantee future results. Investments carry risk of loss.

4. Account Security and Access

You are responsible for maintaining the confidentiality of your account credentials. You agree to:

• Provide accurate and complete information during registration
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

5. Third-Party Integrations

Our Service integrates with third-party financial institutions and service providers, including but not limited to Plaid, banking partners, and investment platforms. Your use of these integrations is subject to their respective terms of service and privacy policies.

6. Automated Actions and Consent

By using EQUO's automated financial optimization features, you explicitly consent to:

• Automated analysis of your financial accounts and transactions
• Generation of optimization recommendations based on your financial profile
• Execution of approved financial actions on your behalf
• Monitoring and adjustment of automated financial strategies

You retain the right to approve, reject, or cancel any proposed actions before execution.

7. Limitation of Liability

EQUO shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to financial losses, investment decisions, or technical errors.

8. Privacy and Data Protection

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

9. Modifications 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 modifications constitutes acceptance of the updated Terms.

10. Termination

Either party may terminate this agreement at any time. Upon termination, your access to the Service will cease, and any automated actions will be stopped. Data retention will be handled according to our Privacy Policy.

11. Contact Information

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

Email: legal@equo.app
Address: [Company Address]