VibeWallet
Legal Terms

Terms of Service

These terms govern your use of VibeWallet's AI-powered financial management platform. Please read them carefully before using our services.

Last updated: January 15, 2024

Clear Terms

Straightforward language explaining your rights and responsibilities

User Protection

Terms designed to protect your interests and data security

Fair Use

Reasonable guidelines for using our AI-powered features

Acceptance of Terms

By accessing and using VibeWallet (“we,” “our,” or “us”), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the terms of this agreement, you are not authorized to use or access our services.

These Terms of Service apply to all users of VibeWallet, including without limitation users who are browsers, vendors, customers, merchants, and contributors of content.

Important: By creating an account or using our services, you confirm that you are at least 18 years old and have the legal capacity to enter into this agreement.

Description of Service

VibeWallet is an AI-powered financial management platform that provides the following services:

AI Receipt Scanner

Automated data extraction from receipt images using computer vision and machine learning

Cash Flow Forecasting

AI-powered predictions of future financial positions based on spending patterns

Scenario Planning

Financial impact analysis for major decisions using predictive modeling

Additional Features

  • • Personal financial dashboard and transaction management
  • • Budget tracking and goal setting
  • • Expense categorization and reporting
  • • Data export and backup capabilities
  • • Mobile and web application access

User Accounts and Registration

Account Creation

  • • You must provide accurate and complete information during registration
  • • You are responsible for maintaining the confidentiality of your account credentials
  • • You must be at least 18 years old to create an account
  • • One account per person is permitted
  • • Business accounts require additional verification

Account Security

  • • You are responsible for all activities that occur under your account
  • • You must notify us immediately of any unauthorized access
  • • We recommend enabling two-factor authentication
  • • Regular password updates are encouraged
  • • Sharing account credentials is prohibited

Account Suspension

We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or pose security risks to our platform or other users.

Acceptable Use Policy

Permitted Uses

  • • Personal financial management and tracking
  • • Legitimate business expense management
  • • Educational use of financial planning tools
  • • Data analysis for personal financial insights

Prohibited Activities

  • • Using the service for illegal activities or money laundering
  • • Attempting to reverse engineer or extract our AI models
  • • Uploading fraudulent receipts or falsifying financial data
  • • Sharing accounts or providing access to unauthorized users
  • • Attempting to circumvent usage limits or security measures
  • • Using automated tools to scrape or harvest data
  • • Interfering with other users' access to the service
  • • Uploading malicious software or harmful content

AI Service Guidelines

  • • Receipt scanning is intended for legitimate expense tracking only
  • • Forecasting and scenario planning are estimates, not financial advice
  • • AI accuracy may vary; users should verify important financial decisions
  • • Bulk processing of receipts should be for personal or business use only

Payment Terms

Subscription Plans

  • • Free Plan: Limited features with usage restrictions
  • • Pro Plan: Full AI features with monthly/annual billing
  • • Business Plan: Advanced features for teams and organizations

Billing and Payments

  • • Subscriptions are billed in advance on a monthly or annual basis
  • • All fees are non-refundable unless required by applicable law
  • • We may change pricing with 30 days advance notice
  • • Failed payments may result in service suspension
  • • You can cancel your subscription at any time through your account settings

Cancellation and Refunds

  • • You may cancel your subscription at any time
  • • Cancellation takes effect at the end of your current billing period
  • • Refunds are only provided in cases of technical issues or billing errors
  • • Annual subscriptions may be eligible for prorated refunds within 30 days

Intellectual Property Rights

Our Intellectual Property

  • • VibeWallet's AI algorithms, software, and technology are proprietary
  • • All trademarks, logos, and brand names are owned by VibeWallet
  • • Users receive a limited license to use our services for personal purposes
  • • Reverse engineering or copying our technology is prohibited

Your Data Rights

  • • You retain ownership of your financial data and personal information
  • • You grant us a license to process your data to provide our services
  • • You can export your data at any time
  • • Account deletion removes your data from our systems

Disclaimers and Limitations

Financial Advice Disclaimer

VibeWallet provides financial tools and insights but does not provide financial, investment, or tax advice. Our AI predictions and recommendations should not be considered professional financial advice. Always consult with qualified financial advisors for important financial decisions.

Service Availability

  • • We strive for 99.9% uptime but cannot guarantee uninterrupted service
  • • Scheduled maintenance may temporarily affect service availability
  • • AI processing times may vary based on system load
  • • We reserve the right to modify or discontinue features with notice

AI Accuracy Limitations

  • • Receipt scanning accuracy depends on image quality and receipt format
  • • Cash flow forecasts are estimates based on historical data
  • • Scenario planning results are projections, not guarantees
  • • Users should verify important financial information independently

Limitation of Liability

To the maximum extent permitted by law, VibeWallet shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data, or business interruption arising from your use of our services.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key Privacy Points

  • • We use bank-grade encryption to protect your financial data
  • • Your data is never sold to third parties
  • • You have full control over your data with export and deletion options
  • • We comply with GDPR, CCPA, and other privacy regulations

By using our services, you agree to our Privacy Policy and Cookie Policy. Please review these documents to understand how we handle your information.

Termination

Termination by You

  • • You may delete your account at any time through account settings
  • • Account deletion will permanently remove all your data
  • • Paid subscriptions continue until the end of the billing period
  • • You can export your data before account deletion

Termination by Us

  • • We may suspend or terminate accounts for terms violations
  • • Fraudulent activity results in immediate termination
  • • Non-payment may lead to service suspension
  • • We provide notice when possible, except for serious violations

Effect of Termination

Upon termination, your access to the service will cease immediately. We will delete your data in accordance with our Privacy Policy, typically within 30 days of account closure.

Governing Law and Disputes

Applicable Law

These Terms shall be interpreted and governed by the laws of the jurisdiction where VibeWallet is incorporated, without regard to conflict of law principles.

Dispute Resolution

  • • We encourage resolving disputes through direct communication first
  • • Contact our support team at support@vibewallet.com
  • • Formal disputes may be subject to binding arbitration
  • • Class action lawsuits are waived where legally permissible

Changes to These Terms

We may modify these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices.

Notification Process

  • • Email notification to all registered users
  • • In-app notification when you next use the service
  • • Updated terms posted on our website
  • • 30-day notice period for material changes

Continued use of our services after the effective date of revised terms constitutes acceptance of the new terms. If you do not agree to the revised terms, you must stop using our services.

Contact Us

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

Legal Team

Email: legal@vibewallet.com
Response time: Within 5 business days

Customer Support

Email: support@vibewallet.com
Response time: Within 24 hours