Terms of Service

1. Acceptance of Terms

By accessing or using FinTwin ("the Service"), operated by WealthMatrix ("we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

FinTwin is a financial information and portfolio management platform that provides:

• Portfolio import and tracking capabilities
• AI-powered chat assistance for financial queries
• Investment insights and analysis tools
• SIP timing signals and calculators
• Insurance policy tracking

3. Not Financial Advice

IMPORTANT: FinTwin is NOT a SEBI registered investment advisor. The Service is provided for informational purposes only.

• All content, insights, and recommendations are for educational and informational purposes only
• We do not provide personalized investment advice
• You should consult with a qualified financial advisor before making investment decisions
• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal

4. User Accounts

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

5. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to:

• Collection and processing of your financial data
• Use of AI models to analyze your portfolio
• Storage of your data as described in our Privacy Policy

We do not sell your personal financial data to third parties. See our Privacy Policy for details.

6. Subscription and Payments

Paid features are available through subscription plans:

• Subscriptions are billed monthly or annually as selected
• Payments are processed through secure third-party payment processors
• You may cancel your subscription at any time
• Refunds are provided at our discretion
• We reserve the right to change pricing with 30 days notice

7. Usage Limits

Your subscription tier determines usage limits for:

• Number of chat messages per month
• Number of portfolio imports per month
• Access to premium features

We reserve the right to enforce limits and throttle excessive usage.

8. Prohibited Activities

You agree not to:

• Use the Service for illegal purposes
• Attempt to reverse engineer or compromise the Service
• Share your account with others
• Scrape or extract data using automated means
• Upload malicious content or viruses
• Impersonate others or provide false information

9. Intellectual Property

All content, features, and functionality of the Service are owned by WealthMatrix and are protected by copyright, trademark, and other intellectual property laws.

Your financial data remains your property. We claim no ownership of data you upload.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

• Accuracy or reliability of information
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Security of data transmission

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEALTHMATRIX SHALL NOT BE LIABLE FOR:

• Investment losses or financial damages
• Loss of data or profits
• Indirect, incidental, or consequential damages
• Damages exceeding the amount paid for the Service

12. Termination

We reserve the right to suspend or terminate your access to the Service at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Any reason at our sole discretion

13. Changes to Terms

We may modify these Terms at any time. Changes will be effective upon posting. Continued use of the Service constitutes acceptance of modified Terms.

14. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in [Your City], India.

15. Contact Us

If you have questions about these Terms, please contact us at:

Email: contact@wealthmatrix.ai
Address: WealthMatrix