Terms of Service

1. Agreement to Terms

By accessing and using KGiQ Family Finance (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and KGiQ Family Finance.

2. Description of Service

KGiQ Family Finance is a personal financial management application that helps families:

• • Connect and sync bank accounts securely via Plaid
• • Track income events and schedule payments
• • Attribute payments to income sources for cash flow management
• • Create budgets and analyze spending patterns
• • Share financial data with family members
• • Generate financial reports and insights

3. Eligibility

To use the Service, you must:

• • Be at least 18 years old
• • Have legal capacity to enter into a binding agreement
• • Provide accurate and complete registration information
• • Maintain the security of your account credentials
• • Use the Service only for personal, non-commercial purposes

4. User Accounts and Security

4.1 Account Creation

• • You must provide accurate and current information
• • Each person may maintain only one account
• • You are responsible for all activities under your account
• • Multi-factor authentication is required for security

4.2 Account Security

• • Keep your login credentials confidential
• • Notify us immediately of any unauthorized access
• • Use strong, unique passwords
• • Do not share your account with others
• • Log out of shared or public computers

4.3 Family Sharing

• • Only invite trusted family members
• • Set appropriate permission levels
• • Monitor family member activities
• • You remain responsible for all account activity

5. Banking and Financial Data

5.1 Bank Account Connections

• • Bank connections are managed securely through Plaid
• • We have read-only access to your account information
• • We cannot initiate transactions or move money
• • You can disconnect bank accounts at any time
• • We do not store your banking credentials

5.2 Data Accuracy

• • Financial data is provided by your banks via Plaid
• • We do not guarantee the accuracy of imported data
• • You should verify important financial information
• • Report any data discrepancies promptly
• • Manual corrections and categorizations are your responsibility

5.3 Financial Advice Disclaimer

6. Acceptable Use

6.1 Permitted Uses

• • Personal financial management and budgeting
• • Family financial planning and coordination
• • Transaction categorization and analysis
• • Cash flow planning and income attribution
• • Financial reporting and data export

6.2 Prohibited Uses

• • Commercial or business financial management
• • Sharing access with non-family members
• • Attempting to reverse engineer the Service
• • Using automated tools to access data excessively
• • Violating any applicable laws or regulations
• • Interfering with the Service's security features

7. Data Ownership and Export

7.1 Your Data Rights

• • You own all your financial and personal data
• • Export your data at any time in CSV format
• • Delete individual transactions or entire datasets
• • Request complete account deletion
• • Data portability to other financial tools

7.2 Data Retention

• • Financial data retained indefinitely while account is active
• • Deleted account data anonymized after 30 days
• • Audit logs retained for security purposes (7 years)
• • Bank connection data deleted immediately upon disconnection

8. Service Availability

8.1 Uptime and Maintenance

• • We strive for 99.9% uptime but do not guarantee availability
• • Scheduled maintenance will be announced in advance
• • Emergency maintenance may occur without notice
• • Third-party service outages may affect functionality

8.2 Service Modifications

We may modify, suspend, or discontinue the Service at any time. We will provide reasonable notice for significant changes. If we discontinue the Service, we will provide tools to export your data.

9. Intellectual Property

9.1 Our Rights

• • All Service software, design, and content are our property
• • KGiQ trademarks and branding are protected
• • You may not copy, modify, or distribute our software
• • Screenshots for personal use are permitted

9.2 Your Rights

• • Limited license to use the Service for intended purposes
• • Right to export and use your own data
• • License terminates when account is closed

10. Privacy and Third-Party Services

10.1 Privacy Policy

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

10.2 Third-Party Services

• • Plaid: Bank data aggregation (subject to Plaid's terms)
• • Vercel: Application hosting and performance
• • Neon: Database hosting and management
• • Supabase: Authentication services
• • Resend: Email delivery services

11. Limitation of Liability

11.1 Disclaimers

• • No warranty of data accuracy or completeness
• • No guarantee of continuous service availability
• • Not responsible for third-party service failures
• • No liability for financial losses or missed payments
• • User responsible for verifying important financial data

11.2 Maximum Liability

Our total liability to you for all claims related to the Service shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of any rights of another party.

13. Termination

13.1 Termination by You

• • Close your account at any time through account settings
• • Export your data before closing your account
• • Disconnect bank accounts before termination

13.2 Termination by Us

• • We may terminate accounts for Terms violations
• • We may suspend Service for maintenance or legal reasons
• • Reasonable notice will be provided when possible
• • You will have opportunity to export data before termination

14. Governing Law

These Terms are governed by the laws of the United States without regard to conflict of law principles. Any disputes will be resolved through binding arbitration or in courts of competent jurisdiction in the United States.

15. Changes to Terms

We may update these Terms periodically. Significant changes will be communicated via email or through the Service. Continued use after changes indicates acceptance of the updated Terms.

16. Contact Information

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

17. Severability

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