Terms of Service

1. Acceptance of Terms

By accessing and using Cloverfin ("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 the above, please do not use this service.

2. Description of Service

Cloverfin is a personal finance application that provides AI-powered insights and behavioral analysis to help users understand and improve their financial habits. The Service includes features such as transaction tracking, spending analysis, goal setting, and personalized financial recommendations.

3. User Accounts

To access certain features of the Service, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your account information
• Keep your account credentials secure and confidential
• Accept responsibility for all activities under your account

4. Financial Data and Privacy

We take the security and privacy of your financial data seriously. All financial information is encrypted and processed in accordance with industry standards. We do not sell, trade, or otherwise transfer your personal financial information to third parties without your consent, except as outlined in our Privacy Policy.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or activity
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Upload malicious code or attempt to compromise system security
• Use the Service to harass, abuse, or harm others

6. Intellectual Property

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

7. Disclaimer of Warranties

The Service is provided "as is" without any representations or warranties. Cloverfin provides AI-powered insights and recommendations for informational purposes only and does not constitute professional financial advice. Users should consult with qualified financial advisors for personalized financial planning.

8. Limitation of Liability

In no event shall Cloverfin 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 use of the Service.

9. Termination

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

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at legal@cloverfin.com.