Terms of Service

1. Acceptance of Terms

By accessing or using WealthInsightSync ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account and act as the account holder.

The Service includes features that allow a parent or legal guardian to create, manage, and store information relating to their children. Children may not create accounts or use the Service independently.

By using child-related features, you represent and warrant that you are the child's parent or legal guardian, or otherwise have legal authority to act on the child's behalf.

3. Description of Service

• Financial tracking, budgeting, goal setting, and reporting tools
• Net worth tracking and debt management calculators
• Scheduling and bill reminder features
• Optional read-only bank account connectivity via Plaid
• Advisor-client management tools (Elite plan)
• Guardian-managed family organization and children's financial tools
• AI-powered receipt scanning and OCR extraction (Premium and Elite plans)

4. User Accounts

• You are responsible for maintaining the confidentiality of your account credentials
• You agree to provide accurate, current, and complete information
• You are responsible for all activity that occurs under your account
• Notify us immediately at legal@wealthinsightsync.com if you suspect unauthorized access

4A. Guardian-Managed Child Features

Certain features of the Service, including the Children Hub Dashboard and scheduling tools, are designed exclusively for use by a parent or legal guardian.

• Children do not create accounts or log in independently
• All child-related information is entered by a legal guardian or parent
• Event locations are manually entered and are not real-time GPS tracking
• The account holder controls access, edits, and deletion of all child data

WealthInsightSync relies on the account holder's representation of legal authority and does not independently verify guardianship. You represent that you have all necessary legal authority to enter and manage any child information in the Service.

4B. Advisor-Client Features (Elite Plan)

Elite plan subscribers may use the Service to manage financial data on behalf of their clients ("advisor features"). By using advisor features, you agree that:

• You have obtained all necessary consents, authorizations, and permissions from your clients before entering, importing, syncing, or otherwise processing their data in the Service
• You are the data controller for client data you enter; WealthInsightSync acts as a data processor
• You will not enter client data for purposes other than legitimate financial advisory or planning services, and only as permitted by applicable law and professional standards
• You are solely responsible for the accuracy and completeness of client data you record
• You are solely responsible for verifying and validating any outputs (including projections, categorizations, and analyses) before using them with any client
• You remain solely responsible for determining suitability for any client and for ensuring compliance with all applicable laws, regulations, licensing requirements, and professional standards
• You will inform your clients that their financial information is stored in WealthInsightSync and is subject to this Privacy Policy

WealthInsightSync is not a registered financial advisor, and using the Service does not satisfy any regulatory filing, reporting, supervision, recordkeeping, or compliance requirements applicable to licensed financial professionals. WealthInsightSync does not provide financial, legal, tax, or investment advice and does not make recommendations. You remain solely responsible for compliance with any professional licensing laws, fiduciary duties, suitability determinations, disclosures, or regulations applicable to your practice.

5. Subscription & Billing

• Free Trial: New accounts may receive a limited free trial period. No charge is made during the trial. After the trial, your selected plan will begin billing automatically.
• Auto-Renewal: Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date.
• Cancellation: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period; no partial-period refunds are issued unless required by applicable law.
• Price Changes: We will provide at least 30 days' notice before increasing subscription prices. Continued use after the effective date constitutes acceptance of the new price.
• Payment Processing: All payments are processed by Stripe, Inc. By providing payment information, you also agree to Stripe's Terms of Service.
• Failed Payments: If a payment fails, your account may be downgraded or suspended until payment is resolved.

6. SMS & Email Communications

By opting in to SMS reminders, you consent to receive automated text messages from WealthInsightSync related to bill payment reminders. Consent to receive SMS messages is not a condition of purchase. Message and data rates may apply. Message frequency varies based on your bill schedule.

• SMS messages are sent only between 8 AM and 9 PM in your local timezone (TCPA quiet hours)
• Reply STOP to any SMS to opt out immediately
• Reply HELP for assistance
• You may also manage communication preferences in your Profile settings

For email communications, you may unsubscribe at any time using the link included in every reminder email. Transactional emails (account security, billing) cannot be opted out of while your account is active.

7. Bank Account Connectivity

Optional bank account connectivity is provided through Plaid Technologies, Inc. (“Plaid”). By connecting a bank account, you authorize us and Plaid to access and share account data as permitted by your financial institution and your selections in the Plaid flow. By connecting a bank account, you also agree to Plaid's End User Privacy Policy. WealthInsightSync does not receive or store your bank login credentials.

Connected account and transaction data is read-only from our perspective and the Service cannot initiate transfers or payments. Bank and transaction data may be delayed, incomplete, reclassified, or unavailable, and WealthInsightSync is not responsible for the accuracy of data provided by financial institutions or third-party providers. You may disconnect your bank account at any time through your account settings.

7A. Imports and Data Quality

If you upload files (including CSV imports) or manually enter data, you acknowledge that the Service’s outputs depend on the structure, completeness, and accuracy of that data. You are responsible for reviewing imported data, correcting errors, and verifying outputs before relying on them.

7B. Receipt OCR Scanning (Premium & Elite)

Premium and Elite subscribers may upload receipt images to use the AI-powered OCR scanning feature. By using this feature, you agree to the following:

• Receipt images are transmitted to OpenAI, LLC for processing and are not stored by WealthInsightSync after the scan is complete. Only the extracted text fields (merchant name, amount, date, and category) are returned and may be saved by you as a manual transaction.
• OCR results are estimates and may not be 100% accurate. You are solely responsible for reviewing, correcting, and confirming all extracted data before saving it.
• You must not upload any image or document that contains a Social Security Number (SSN), government-issued identification number, bank account number, routing number, credit or debit card number, password, PIN, or any other sensitive personal identifier. Uploading such information violates these Terms and may expose you to risk of identity theft or fraud.
• You may only upload images of receipts or transaction records for which you have lawful possession. Do not upload receipts belonging to other individuals without their consent.
• Receipt scanning does not constitute financial, tax, or accounting advice. Extracted data is for personal budgeting and organizational purposes only. Consult a qualified tax professional before using receipt data for tax or reimbursement purposes.

8. Acceptable Use

• No illegal, fraudulent, or deceptive activity
• No unauthorized access attempts or reverse engineering of the Service
• No misuse of advisor features to access or record data without client consent
• No misuse of child-related features for unauthorized purposes
• No scraping, automated querying, or API abuse
• No uploading of images or files containing Social Security Numbers (SSNs), government-issued ID numbers, credit or debit card numbers, bank account or routing numbers, PINs, passwords, or other highly sensitive personal identifiers to the receipt scanning feature or any other part of the Service

Violation of these terms may result in immediate account suspension or termination without refund.

9. Intellectual Property

All content, software, trademarks, and functionality are owned by WealthInsightSync or its licensors and are protected by applicable intellectual property laws. You retain ownership of all financial data you enter into the Service.

10. Privacy

Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. Child-related information is processed solely under parental control for family organization purposes. Advisor-entered client data is processed as described in Section 4B.

WealthInsightSync does not sell personal information and does not share personal information for cross-context behavioral advertising as defined under applicable California privacy laws.

11. Disclaimers

12. Limitation of Liability

To the maximum extent permitted by applicable law, WealthInsightSync and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the Service, even if advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms or the Service shall not exceed the greater of (a) the amount you paid us in the 12 months preceding the claim, or (b) $100 USD.

12A. Indemnification

You agree to defend, indemnify, and hold harmless WealthInsightSync and its officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Service, (b) your violation of these Terms, (c) any data you submit, upload, import, sync, or process through the Service, including any failure to obtain required authorizations or consents under applicable privacy or data protection laws, or (d) any advice, recommendations, or services you provide to others (including clients), including any claim that you did not obtain required authorizations or consents.

13. Termination

We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or if required by law. You may close your account at any time through account settings. Upon termination, your data will be handled as described in the Data Retention section of our Privacy Policy.

14. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. EXCEPT AS EXPRESSLY PROVIDED BELOW, YOU AND WEALTHINSIGHTSYNC AGREE TO RESOLVE ALL DISPUTES THROUGH BINDING ARBITRATION ON AN INDIVIDUAL BASIS.

14A. Agreement to Arbitrate

You and WealthInsightSync agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or your use of the Service (collectively, "Disputes") shall be resolved exclusively by binding arbitration, except as otherwise provided in this Section.

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or Commercial Rules, if applicable). Arbitration will take place in Los Angeles County, California, unless the parties agree otherwise. Judgment on the arbitration award may be entered in any court having jurisdiction.

14B. Class Action Waiver

YOU AND WEALTHINSIGHTSYNC AGREE THAT ANY DISPUTE WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY.YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING.

14C. Jury Trial Waiver

YOU AND WEALTHINSIGHTSYNC WAIVE THE RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE RESOLVED IN COURT.

14D. Small Claims Court Exception

Either party may bring an individual claim in small claims court in Los Angeles County, California, provided the claim qualifies and remains an individual (non-class) claim.

14E. 30-Day Right to Opt Out

You may opt out of this arbitration agreement by sending written notice to legal@wealthinsightsync.com within 30 days of first accepting these Terms. Your notice must include your full name, email address associated with your account, and a clear statement that you wish to opt out of arbitration. If you opt out, this arbitration agreement will not apply to you, but all other provisions of these Terms will remain in effect.

14F. Governing Law

These Terms are governed by the laws of the State of California, USA, without regard to conflict of law principles.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email or a prominent in-app notice at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance.

15A. Miscellaneous

• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• Assignment: You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.
• Force Majeure: We are not liable for any delay or failure to perform resulting from causes outside our reasonable control.
• Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement between you and WealthInsightSync regarding the Service.

16. Contact Information