Terms of Service

1. Acceptance of Terms

By accessing and using Our JuniFin ("the Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

Our JuniFin is a family finance management platform that helps households:

• Track income and expenses across multiple bank accounts
• Create and monitor budgets
• Set and achieve financial goals
• Collaborate on household finances with family members
• Generate financial reports and insights

3. Eligibility

You must be at least 18 years old to use Our JuniFin. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. Account Registration

To use Our JuniFin, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities under your account

5. Bank Account Connections

Our JuniFin uses Plaid to securely connect to your financial institutions. By connecting your bank accounts:

• You authorize us to access your account information, transaction data, and balance information
• You represent that you have the authority to share this information
• You understand that we do not store your bank login credentials
• You can disconnect your accounts at any time from your account settings

6. User Responsibilities

You agree to use Our JuniFin only for lawful purposes. You will not:

• Violate any laws or regulations
• Infringe on the rights of others
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use the Service to transmit harmful code, viruses, or malware
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated tools to access the Service without our permission
• Share your account credentials with unauthorized parties

7. Household Management

Our JuniFin allows you to create households and invite family members:

• You are responsible for managing household member access and permissions
• Household administrators can add or remove members and modify permissions
• All household members can view shared financial data
• You should only invite trusted family members to your household

8. Subscription and Billing

Our JuniFin offers both free and paid subscription tiers:

• Free accounts have limited features as described on our pricing page
• Paid subscriptions are billed monthly or annually in advance
• You can cancel your subscription at any time
• Refunds are provided on a case-by-case basis
• We may change pricing with 30 days' notice to existing subscribers
• Failed payments may result in service suspension

9. Data Accuracy

While we strive for accuracy, Our JuniFin is provided "as is":

• Transaction data is synced from your financial institutions and may have delays
• We are not responsible for errors or omissions in data provided by third parties
• You should verify important financial information with your bank
• Our budgeting tools and recommendations are for informational purposes only
• We do not provide professional financial, tax, or investment advice

10. Intellectual Property

The Service, including all content, features, and functionality, is owned by Our JuniFin and protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or create derivative works of the Service
• Use our trademarks, logos, or branding without permission
• Frame or mirror any part of the Service

11. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy. Key points:

• We use bank-level encryption to protect your data
• We never sell your personal or financial information
• You can delete your account and data at any time

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT:

• The Service will be uninterrupted, timely, secure, or error-free
• Results obtained from the Service will be accurate or reliable
• The Service will meet your specific requirements
• Any errors in the Service will be corrected

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR JUNIFIN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your use or inability to use the Service
• Any unauthorized access to or use of our servers or your personal information
• Any interruption or cessation of the Service
• Any bugs, viruses, or harmful code transmitted through the Service
• Any errors or omissions in any content or data

14. Indemnification

You agree to indemnify, defend, and hold harmless Our JuniFin and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

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

15. Termination

We reserve the right to suspend or terminate your access to the Service:

• If you violate these Terms
• If we suspect fraudulent or illegal activity
• If required by law
• At our sole discretion with or without notice

You may terminate your account at any time from your account settings. Upon termination, your right to use the Service will immediately cease, and we will delete your data as described in our Privacy Policy.

16. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or through the Service. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

18. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], except where prohibited by law.

19. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

20. Contact Information

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

• Email: legal@ourjunifin.com
• Address: Our JuniFin Legal Department, [Your Address]