1. Acceptance of Terms
By accessing and using MintSpeak ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Description of Service
MintSpeak is an AI & ML powered personal finance assistant that provides:
- Cash flow and income insights through SMS pattern analysis
- Alternative credit scoring based on financial behavior
- Fraud detection and security alerts
- Subscription and recurring expense management
- Smart budgeting recommendations and behavioral nudges
- Savings and investment suggestions
- Lifestyle inference and financial planning
- Peer-to-peer financial behavior analysis
- Financial literacy education and contextual advice
3. User Eligibility
You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into this agreement.
4. User Accounts and Registration
To access certain features of the Service, you may be required to create an account. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Providing accurate and complete information during registration
- Promptly updating your account information as needed
5. Data Collection and Privacy
Our Service collects and processes various types of data to provide personalized financial insights:
- SMS Data: For transaction analysis and pattern recognition
- Financial Information: Transaction history, spending patterns, and financial behavior
- Personal Information: Contact details, preferences, and account information
- Usage Data: How you interact with our Service
Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.
6. AI and Machine Learning Features
MintSpeak utilizes artificial intelligence and machine learning algorithms to:
- Analyze your financial patterns and behaviors
- Provide personalized recommendations and insights
- Detect unusual or potentially fraudulent activities
- Generate credit scoring based on alternative data
- Predict cash flow and financial trends
While we strive for accuracy, AI-generated insights are probabilistic and should not be considered as financial advice. Always consult with qualified financial professionals for important financial decisions.
7. Financial Advice Disclaimer
IMPORTANT: MintSpeak provides financial insights and recommendations based on data analysis, but we are not a financial advisor, broker, or tax advisor. Our Service is for informational and educational purposes only.
You acknowledge that:
- Financial decisions should be made in consultation with qualified professionals
- Past performance does not guarantee future results
- Investment and financial decisions carry inherent risks
- You are responsible for your own financial decisions and their outcomes
8. Acceptable Use
You agree not to use the Service to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Transmit harmful, offensive, or inappropriate content
- Attempt to gain unauthorized access to our systems
- Interfere with the proper functioning of the Service
- Use the Service for any fraudulent or deceptive purposes
9. Data Security
We implement industry-standard security measures to protect your data, including:
- Encryption of sensitive data in transit and at rest
- Secure authentication and access controls
- Regular security audits and updates
- Compliance with relevant data protection regulations
However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
10. Service Availability
We strive to maintain high service availability but cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to:
- Scheduled maintenance and updates
- Technical issues or system failures
- Force majeure events
- Third-party service disruptions
11. Intellectual Property
All content, features, and functionality of the Service, including but not limited to text, graphics, logos, software, and algorithms, are owned by MintSpeak or its licensors and are protected by intellectual property laws.
12. Limitation of Liability
To the maximum extent permitted by law, MintSpeak shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of the Service.
13. Indemnification
You agree to indemnify and hold harmless MintSpeak and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.
14. Termination
We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. You may also terminate your account at any time by contacting us.
15. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new Terms.
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which MintSpeak operates, without regard to conflict of law principles.
17. Contact Information
If you have any questions about these Terms of Use, please contact us at:
Email: [email protected]
Address: [Your Business Address]
18. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.