Terms of Service

By accessing or using MyBalancingIQ, you agree to these Terms of Service.

Service Description

MyBalancingIQ provides AI-powered financial insights, analytics, and decision-support tools. Our services do not constitute legal, accounting, or financial advice. The Service provides automated analyses for informational purposes only. No fiduciary relationship is created. Please verify results and consult a qualified professional before acting.

User Responsibilities

You are responsible for the accuracy of the information you provide and for maintaining the security of your account credentials. You are responsible for all activities that occur under your account. Please use unique, strong passwords and enable multi-factor authentication where available.

Acceptable Use

You agree not to misuse the platform, interfere with its operation, or attempt unauthorized access. You won't use the Service unlawfully, to infringe rights, to attempt to access others' data, or to reverse engineer or circumvent security measures.

Intellectual Property

All content, software, and materials provided by MyBalancingIQ are owned by or licensed to us and may not be copied or redistributed without permission. We and our licensors retain all right, title, and interest in and to the Service. You may not copy, modify, translate, create derivative works, reverse engineer, decompile, resell, lease, or provide the Service to third parties.

Your Data & Permissions

You may connect third-party accounting systems you control. You grant us permission to access, store, and process that data to provide the Service and to generate insights for you. We may use aggregated and de-identified usage data to improve the Service.

Limitation of Liability

MyBalancingIQ is provided on an "as is" basis. The Service may have errors or downtime, and we disclaim all warranties to the maximum extent permitted by law. To the maximum extent permitted by law, we are not liable for indirect or consequential damages arising from use of the service. We will have no monetary liability of any kind arising out of or relating to the Service, regardless of the legal theory (contract, tort, strict liability, or otherwise), even if advised of the possibility of such damages. Nothing in these terms excludes or limits liability that cannot be excluded under applicable law (for example, for fraud, willful misconduct, or, where required by law, death or personal injury caused by negligence).

Termination

We may suspend or terminate access if these terms are violated. Either party may terminate at any time. Upon termination or request, we will disable access and delete active copies of your personal/business data within 30 days (backups within 90 days), unless we're required to retain it by law.

Governing Law

These terms are governed by applicable laws based on the user's jurisdiction.

Updates to Terms

These terms may be updated periodically. Changes will be posted on this page. Continued use of the Service after changes constitutes acceptance of the updated terms.

Contact

If you have questions about these Terms of Service, please contact us at dev@mybalancing.com.