These terms are a contract between you and [Legal entity name] (“we”, “us”), covering your use of AI Fix My Money and everything on it. They are written to be read, so the language is plainer than it usually is, but they are still the operative terms.
1. Accepting these terms
By opening the platform, starting a track, or entering data into any tool, you accept these terms and the Privacy Policy. If you do not accept them, do not use the platform.
If you are between 13 and the age of majority where you live, you may use the platform only with the consent of a parent or guardian, who accepts these terms with you.
If you are using the platform on behalf of an organisation, you confirm that you are authorised to bind it.
2. What the service is
The platform provides educational material on personal finance, together with local tools for recording your own figures. It is not financial, investment, tax, or legal advice, and it creates no advisory or fiduciary relationship. The Disclosures page sets out the full scope of that limitation and forms part of these terms.
Nothing on this platform is a recommendation to buy, sell, or hold any financial product, or to take any particular action with your money.
3. Eligibility
You may use the platform if you are at least 13 years old and are not barred from doing so under applicable law. We may decline access to anyone, at any time, and for any reason.
4. Your data and your device
The platform stores what you enter in your browser rather than on our servers. That has consequences worth stating plainly.
You hold the only copy — We cannot recover your data, restore it, or transfer it to another device. Clearing site data, using private browsing, or switching browsers loses it.
You are responsible for your device — Anyone with access to your browser profile has access to what you have entered. Securing the device is your responsibility, not ours.
No backups — We do not take backups of your data, because we do not have it.
5. Acceptable use
Use the platform for learning. Do not do any of the following.
Present the material as your own, resell it, or redistribute it commercially.
Scrape, crawl, or bulk-download the content, or use automated means to complete assessments.
Reverse engineer, decompile, or interfere with the platform, or attempt to circumvent the gating between tracks and tools other than by passing the assessments.
Probe, scan, or test the security of the platform, or attempt to gain access to any part of it you were not given.
Upload or submit anything unlawful, infringing, malicious, or designed to manipulate an automated grader.
Use the platform, or anything generated by it, to give financial advice to other people as though it were professional advice.
6. Intellectual property
The lessons, questions, imagery, code, design, and structure of the platform belong to [Legal entity name] or its licensors, and are protected by copyright and other laws.
You get a personal, non-exclusive, non-transferable, revocable licence to use the platform for your own learning.
That licence does not include any right to copy, adapt, publish, or create derivative works from the material.
Names, logos, and marks used on the platform may not be used without written permission.
7. What you submit
Answers you write, figures you record, and feedback you send remain yours. Where a feature needs to process something you submit in order to work — grading a written answer, for example — you grant us the limited right to process it for that purpose and no other.
8. Third-party content and services
The platform may embed or link to material published elsewhere. We do not control it, do not endorse it, and are not responsible for it. Your use of a third-party service is governed by that service’s own terms and privacy policy.
9. Automated feedback
Some assessments are graded by an automated system rather than by a person.
A verdict from an automated grader is an assessment of your written answer against source material. It is not an evaluation of your finances or your judgement.
Automated systems make mistakes. A pass is not a certification of competence, and a fail is not a statement about you.
We may change, retrain, or withdraw an automated feature at any time, which can change how the same answer is graded.
10. No warranties
The platform is provided “as is” and “as available”, without warranty of any kind, express or implied. To the fullest extent permitted by law, we disclaim the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the platform will be uninterrupted, secure, or error-free.
We do not warrant that the content is accurate, complete, current, or applicable to your circumstances.
We do not warrant any particular outcome, financial or otherwise, from using the platform.
11. Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, or financial losses arising from decisions you make, whether or not we were advised such damages were possible.
Our total aggregate liability arising out of or relating to the platform is limited to the greater of the amount you paid us in the twelve months before the claim, or one hundred United States dollars.
Some jurisdictions do not allow certain exclusions or limitations. Where that is so, the exclusions above apply only to the extent permitted, and nothing here limits liability for fraud, or for death or personal injury caused by negligence.
12. Indemnification
You agree to indemnify and hold harmless [Legal entity name], its officers, employees, and contractors from any claim, loss, liability, or expense (including reasonable legal fees) arising from your use of the platform, your breach of these terms, or your violation of any law or third-party right.
13. Changes to the platform
We may add, change, suspend, or discontinue any part of the platform at any time, including tracks, tools, and assessments, with or without notice. We are not liable to you for doing so.
14. Termination
You may stop using the platform at any time; clearing your browser data removes everything you have entered. We may suspend or terminate your access if you breach these terms. Sections that by their nature should survive termination — intellectual property, disclaimers, liability, indemnity, and governing law — do survive it.
15. Changes to these terms
We may update these terms. The date at the top of this page changes when we do, and material changes will be signalled in the platform. Continuing to use the platform after a change means you accept the updated terms.
16. Resolving disputes
Before starting any formal proceeding, contact us and give us thirty days to resolve the matter informally. Most disputes end there.
If informal resolution fails, disputes are subject to the exclusive jurisdiction of the courts located in [State], United States, and each party consents to that jurisdiction.
Claims must be brought individually, not as a class, consolidated, or representative action.
Any claim must be brought within one year of the events giving rise to it, or it is permanently barred, to the extent applicable law allows.
17. Governing law
These terms are governed by the laws of [State], United States, without regard to conflict-of-laws rules. Where mandatory consumer-protection law in your country of residence gives you stronger rights, that law applies to the extent of the conflict.
18. General
Entire agreement — These terms, the Disclosures page, and the Privacy Policy are the whole agreement between us about the platform.
Severability — If any provision is held unenforceable, the rest stays in force and the unenforceable part is narrowed to the minimum extent needed.
No waiver — Not enforcing a provision on one occasion does not waive it.
Assignment — You may not assign these terms. We may assign them in connection with a merger, acquisition, or sale of assets.
19. Contact
[Legal entity name], [Street, City, State ZIP]. Email [legal@yourdomain.com].