Terms of Service

Terms of Service

Last Updated: December 2, 2025

Introduction

These Terms of Service ("Terms") govern your use of MyFinance, a portfolio tracking and investment management platform. By accessing or using MyFinance, you agree to be bound by these Terms.

IMPORTANT: This is a template terms of service. Please have it reviewed by a qualified attorney before using it in production.

1. Acceptance of Terms

By creating an account or using MyFinance, you:

  • Agree to these Terms and our Privacy Policy
  • Represent that you are at least 18 years old
  • Have the legal capacity to enter into a binding agreement
  • Will use the service in compliance with all applicable laws

If you do not agree to these Terms, do not use MyFinance.

2. Description of Service

MyFinance is a portfolio tracking application that allows you to:

  • Track investments across multiple asset types (stocks, crypto, real estate, etc.)
  • Monitor portfolio performance and profit/loss
  • Manage assets across different locations and currencies
  • View historical performance with charts and analytics
  • Access automatic currency conversion for global investments

What We Are NOT:

  • NOT a brokerage or financial institution
  • NOT a trading platform (we don't execute trades)
  • NOT connected to your actual financial accounts
  • NOT a provider of financial advice

3. Account Registration

Account Creation

  • You must provide accurate, current, and complete information
  • You are responsible for maintaining account security
  • You must safeguard your password and notify us of unauthorized access
  • One person per account (no shared accounts)

Account Termination

We reserve the right to suspend or terminate accounts that:

  • Violate these Terms
  • Engage in fraudulent activity
  • Abuse or misuse the service
  • Remain inactive for extended periods

4. Subscription Plans and Billing

Free Tier

  • Unlimited asset tracking
  • Basic portfolio features
  • Manual price entry
  • No credit card required

Pro Tier ($8/month)

  • All Free features
  • Historical performance tracking
  • Advanced analytics and charts
  • Multi-currency support with auto-conversion
  • Priority support

Billing Terms

  • Subscriptions billed monthly via Stripe
  • Auto-renewal unless canceled before next billing cycle
  • No refunds for partial months
  • Prices subject to change with 30 days notice
  • Taxes may apply based on your location

Cancellation

  • Cancel anytime from account settings
  • Access continues until end of current billing period
  • No refunds for unused time
  • Data retained according to Privacy Policy

5. User Content and Data

Your Data

  • You retain ownership of all data you enter
  • You grant us license to use data to provide the service
  • You are responsible for accuracy of data entered
  • You can export your data at any time

Prohibited Content

You may not use MyFinance to:

  • Store or track illegal assets or activities
  • Enter false or misleading information
  • Violate any applicable laws or regulations
  • Infringe on intellectual property rights

Data Backup

  • We perform regular backups
  • You are responsible for maintaining your own backups
  • We are not liable for data loss

6. Acceptable Use

You agree NOT to:

  • Reverse engineer, decompile, or disassemble the service
  • Use automated tools to access the service (bots, scrapers)
  • Attempt to gain unauthorized access to systems
  • Interfere with or disrupt the service
  • Impersonate others or misrepresent affiliation
  • Use the service for illegal purposes
  • Share your account credentials
  • Circumvent payment or access restrictions

7. Intellectual Property

Our Rights

  • MyFinance platform, design, code, and content are our property
  • Protected by copyright, trademark, and other laws
  • You may not copy, modify, or distribute our materials

Trademarks

"MyFinance" and our logo are our trademarks. You may not use them without permission.

User Feedback

If you provide feedback or suggestions, we may use them without obligation to you.

8. No Financial Advice

CRITICAL DISCLAIMER:

  • MyFinance is a TRACKING TOOL ONLY
  • We do NOT provide investment, financial, tax, or legal advice
  • Data shown is for informational purposes only
  • We make NO recommendations about buying or selling assets
  • We are NOT a registered investment advisor
  • Past performance does NOT guarantee future results

YOU ARE SOLELY RESPONSIBLE for:

  • Your investment decisions
  • Verifying accuracy of data you enter
  • Consulting qualified professionals for advice
  • Understanding tax implications
  • Compliance with securities laws

9. Third-Party Services

We integrate with:

  • Stripe: Payment processing (subject to Stripe's terms)
  • Exchange Rate APIs: Currency conversion data
  • Authentication Providers: Google OAuth and others

We are not responsible for third-party service failures, accuracy, or terms.

10. Disclaimers and Limitations

Service Availability

  • Service provided "AS IS" and "AS AVAILABLE"
  • We do not guarantee uninterrupted access
  • May be unavailable due to maintenance, updates, or technical issues
  • No warranty of error-free operation

Data Accuracy

  • Exchange rates from third-party sources (accuracy not guaranteed)
  • Price data entered by you (we don't verify accuracy)
  • Calculations based on data provided
  • You are responsible for verifying all information

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • We are NOT liable for any indirect, incidental, or consequential damages
  • Our total liability is limited to fees paid in the past 12 months
  • We are NOT liable for investment losses or financial decisions
  • We are NOT liable for data loss or unauthorized access
  • We are NOT liable for third-party service failures

Indemnification

You agree to indemnify and hold us harmless from claims arising from:

  • Your use of the service
  • Your violation of these Terms
  • Your violation of any laws or third-party rights

11. International Use

  • Service operated from Tallinn, Estonia
  • May not be available in all countries
  • You are responsible for compliance with local laws
  • Currency conversion subject to availability
  • We make no representation that service is appropriate for your jurisdiction

12. Modifications to Service

We may:

  • Modify or discontinue features with reasonable notice
  • Update these Terms (changes posted here)
  • Change pricing with 30 days notice for existing subscribers
  • Add or remove supported features

Continued use after changes constitutes acceptance.

13. Termination

By You

  • Cancel subscription anytime from account settings
  • Delete account from settings page
  • Data deleted according to Privacy Policy

By Us

We may terminate or suspend access:

  • Immediately for Terms violations
  • For non-payment of fees
  • For fraudulent activity
  • For extended inactivity
  • At our discretion with or without notice

Effect of Termination

  • Access immediately revoked
  • No refunds for prepaid periods
  • Certain provisions survive termination (e.g., disclaimers, indemnification)

14. Dispute Resolution

Governing Law

These Terms are governed by the laws of the Republic of Estonia.

Arbitration

Disputes resolved through binding arbitration rather than court, except:

  • Small claims court disputes
  • Intellectual property disputes
  • Injunctive relief

Class Action Waiver

You agree to resolve disputes individually, not as class actions.

15. Miscellaneous

Entire Agreement

These Terms and Privacy Policy constitute the entire agreement.

Severability

If any provision is invalid, remaining provisions remain in effect.

No Waiver

Failure to enforce a provision is not a waiver of that provision.

Assignment

We may assign these Terms. You may not assign without our consent.

Force Majeure

We are not liable for delays due to circumstances beyond our control.

Contact for Legal Notices

  • Company: WealthHive OU
  • Email: legal@wealthhive.app
  • Address: Kentmanni tn 4, 10116 Tallinn, Estonia
  • Registry Code: EE102742499

16. Contact Information

Questions about these Terms?

  • Company: WealthHive OU
  • Address: Kentmanni tn 4, 10116 Tallinn, Estonia
  • Registry Code: EE102742499
  • Email: support@wealthhive.app
  • Legal Inquiries: legal@wealthhive.app

Acknowledgment: By using MyFinance, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Investment Disclaimer: MyFinance does not provide financial advice. All investment decisions are your sole responsibility. Consult qualified professionals before making financial decisions.