Prosperix

1. Acceptance of Terms

By accessing or using Prosperix ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service. We reserve the right to modify these terms at any time, and your continued use of the Service constitutes acceptance of any changes.

2. Description of Service

Prosperix is a personal finance tracking platform that allows users to manually track their net worth, financial accounts, investment holdings, and financial goals. The Service also provides AI-powered stock research tools for educational purposes. Prosperix does not connect to your bank accounts or financial institutions.

3. Not Financial Advice

IMPORTANT: Prosperix is not a registered investment advisor, broker-dealer, or financial planner. All information, tools, and AI-generated content provided through the Service are for educational and informational purposes only and should not be construed as financial, investment, tax, or legal advice.

Any AI-generated stock research, analysis, or suggestions are based on publicly available information and algorithmic analysis. They do not constitute recommendations to buy, sell, or hold any securities. You should always conduct your own research and consult with qualified financial professionals before making any investment decisions.

4. User Accounts

To use certain features of the Service, you must create an account. You are responsible for:

Providing accurate and complete registration information
Maintaining the security of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorized use of your account

5. Subscription and Payments

Prosperix offers free and paid subscription tiers. For paid subscriptions:

Payments are processed securely through Stripe
Subscriptions automatically renew unless cancelled before the renewal date
You may cancel your subscription at any time through your account settings
Refunds are handled on a case-by-case basis at our discretion
We reserve the right to change pricing with 30 days notice to existing subscribers

6. Acceptable Use

You agree not to:

Use the Service for any illegal purpose or in violation of any laws
Attempt to gain unauthorized access to the Service or its systems
Interfere with or disrupt the Service or servers
Share your account credentials with others
Use the Service to transmit malware or harmful code
Scrape, data mine, or extract data from the Service without permission
Use AI features to generate content that violates any laws or third-party rights

7. Intellectual Property

The Service, including its design, features, and content (excluding user-generated content), is owned by Prosperix and protected by intellectual property laws. You retain ownership of any data you input into the Service. By using the Service, you grant us a limited license to use your data solely for the purpose of providing and improving the Service.

8. Data Accuracy

Stock prices, market data, and other financial information displayed in the Service are obtained from third-party sources and may be delayed or inaccurate. We do not guarantee the accuracy, completeness, or timeliness of any such data. You are responsible for verifying any information before making financial decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROSPERIX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

We are not responsible for any investment decisions you make based on information or tools provided by the Service. All investment decisions are made at your own risk.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

11. Termination

We reserve the right to suspend or terminate your account at any time for violations of these terms or for any other reason at our discretion. Upon termination, your right to use the Service will immediately cease. You may also delete your account at any time through your account settings.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these terms or the Service shall be resolved through binding arbitration.