Terms of Service

1. Introduction

Welcome to Fiacore. These Terms of Service ("Terms") govern your use of the Fiacore personal finance management platform ("Service"). By creating an account or using our Service, you agree to be bound by these Terms.

Please read these Terms carefully. If you do not agree to these Terms, you may not use our Service.

2. Eligibility

To use Fiacore, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using our Service under applicable laws
• Provide accurate and complete registration information

3. Account Registration

3.1 Account Creation

You must create an account to access Fiacore's features. You are responsible for:

• Providing accurate, current, and complete information
• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

3.2 Account Security

We recommend enabling two-factor authentication (2FA) for enhanced security. You agree not to share your account credentials with others.

4. Service Description

Fiacore provides:

• Personal finance tracking and management tools
• Transaction categorization and analysis
• AI-powered financial insights and recommendations
• Budget planning and goal tracking
• Bank statement import and processing
• Financial reports and visualizations

5. Acceptable Use

5.1 Permitted Use

You may use Fiacore for personal, non-commercial financial management purposes.

5.2 Prohibited Activities

You agree NOT to:

• Use the Service for any illegal or fraudulent purpose
• Attempt to gain unauthorized access to our systems
• Reverse engineer, decompile, or disassemble our software
• Upload malicious code, viruses, or harmful content
• Interfere with or disrupt the Service or servers
• Violate any applicable laws or regulations
• Impersonate another person or entity
• Use automated scripts to access the Service without permission
• Share your account with others or create multiple accounts

6. User Content

6.1 Your Data

You retain ownership of all financial data and content you upload to Fiacore. By using our Service, you grant us a limited license to process your data solely to provide the Service.

6.2 Data Accuracy

You are responsible for the accuracy of data you input. We are not liable for decisions made based on inaccurate data you provide.

7. Intellectual Property

7.1 Our Rights

Fiacore, including its design, features, code, and content, is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our platform without permission.

7.2 Feedback

If you provide feedback or suggestions, we may use them to improve our Service without obligation to you.

8. Fees and Payment

Fiacore currently offers free access to core features. If we introduce paid features:

• We will clearly communicate pricing before you incur charges
• Payment terms will be provided at the time of purchase
• Refund policies will be stated for any paid services

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The Service will be uninterrupted or error-free
• Results obtained will be accurate or reliable
• The Service will meet your specific requirements
• Any errors will be corrected

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim
• We are not liable for any loss resulting from your reliance on information provided by the Service

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

11. Indemnification

You agree to indemnify and hold harmless Fiacore, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights

12. Account Termination

12.1 By You

You may delete your account at any time through your account settings. Upon deletion, your personal data will be removed in accordance with our Privacy Policy.

12.2 By Us

We may suspend or terminate your account if you violate these Terms or engage in prohibited activities. We will provide notice unless immediate action is required for security reasons.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 30 days before they take effect. Continued use of the Service after changes become effective constitutes acceptance.

14. Dispute Resolution

14.1 Informal Resolution

Before initiating formal proceedings, please contact us at legal@fiacore.com to attempt informal resolution.

14.2 Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Consumer Rights

If you are a consumer in the UK, you have statutory rights under the Consumer Rights Act 2015 that cannot be excluded by these Terms.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Us