Terms of Service

By accessing and using K2AI Finance ("the Service"), you agree to be bound by these Terms of Service ("Terms"). 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. Continued use of the Service after changes constitutes acceptance of the modified Terms.

K2AI Finance provides personal financial management tools including:

• Expense tracking and categorization
• Budget management and monitoring
• Subscription tracking and alerts
• AI-powered financial insights and recommendations
• Group/family budget sharing and collaboration
• Financial reporting and analytics

3.1 Registration: You must create an account to use the Service. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

3.2 Account Eligibility: You must be at least 18 years old to create an account.

3.3 Account Termination: We reserve the right to suspend or terminate accounts that violate these Terms.

You agree to:

• Use the Service only for lawful purposes
• Not attempt to gain unauthorized access to any part of the Service
• Not use the Service to transmit malicious code or malware
• Not interfere with other users' use of the Service
• Not reverse engineer or attempt to extract source code
• Not use automated systems to access the Service without permission
• Maintain accurate financial information

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of personal information as described in the Privacy Policy.

5.1 Data Accuracy: We do not guarantee the accuracy of AI-generated insights or recommendations.

5.2 Data Backup: You are responsible for maintaining backup copies of your financial data.

When using group or family features:

• All group members have access to shared financial information
• Group administrators can manage member permissions
• You are responsible for managing who has access to your group
• Leaving a group does not delete your contribution to group data
• Disputes between group members are not our responsibility

7.1 Our Rights: All content, features, and functionality of the Service are owned by K2AI Finance and are protected by copyright, trademark, and other intellectual property laws.

7.2 Your Content: You retain ownership of your financial data. By using the Service, you grant us a limited license to process your data solely for providing the Service.

7.3 Trademarks: "K2AI Finance" and associated logos are our trademarks. You may not use them without permission.

The Service may integrate with third-party services (e.g., AI providers, payment processors). Your use of these services is subject to their respective terms and conditions. We are not responsible for third-party services or their content.

9.1 Service "As Is": The Service is provided "as is" without warranties of any kind, express or implied.

9.2 Financial Advice: The Service does not provide professional financial advice. AI-generated insights are for informational purposes only. Consult qualified professionals for financial decisions.

9.3 Availability: We do not guarantee uninterrupted or error-free service. We may suspend or discontinue features at any time.

9.4 Limitation of Liability: To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

You agree to indemnify and hold harmless K2AI Finance, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.

If you subscribe to premium features:

• Subscription fees are billed in advance and are non-refundable
• Subscriptions automatically renew unless cancelled
• We may change pricing with 30 days' notice
• Failure to pay may result in service suspension
• You can cancel your subscription at any time

12.1 By You: You may terminate your account at any time by contacting us or using account settings.

12.2 By Us: We may terminate or suspend your access immediately if you violate these Terms, engage in fraudulent activity, or for any other reason at our discretion.

12.3 Effect of Termination: Upon termination, your right to use the Service ceases. We may delete your data after a reasonable period, as described in our Privacy Policy.

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which K2AI Finance operates, without regard to its conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with applicable arbitration rules. You waive your right to participate in class actions.

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

For questions about these Terms, please contact us:

• Email: legal@k2aihub.com
• Website: k2aihub.com