Terms of Service

Last Updated: December 1, 2023

By using Qiver, you agree to these terms

Please read them carefully

Your Agreement

By using our services, you accept these terms

Legal Terms

Binding legal agreement between you and Qiver

Updates

We may update terms periodically

Questions?

Contact us for clarification

Table of Contents

Privacy Policy

1. Acceptance of Terms

Updated: Nov 15, 2023 Important

Welcome to Qiver. By accessing or using our financial management platform, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

Key Points

  • You must be at least 18 years old to use Qiver
  • You must provide accurate and complete information
  • You are responsible for maintaining account security

1.1. Modifications to Terms

We reserve the right to modify these terms at any time. We will notify you of significant changes via email or through our platform. Your continued use after changes constitutes acceptance.

2. Our Services

Updated: Oct 1, 2023

Qiver provides AI-powered financial management tools including but not limited to:

Financial data aggregation and categorization
Budget creation and tracking
Investment monitoring
Financial insights and reporting

Service Limitations

Qiver is a financial management tool and does not provide investment, tax, or legal advice. You should consult with qualified professionals for such advice.

3. Your Account

3.1. Account Registration

You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your login credentials.

3.2. Account Security

You must notify us immediately of any unauthorized access or security breach. We are not liable for losses due to unauthorized access if you fail to secure your account.

Your Responsibility
Our Responsibility
Account Security

Keep credentials secure

Platform Security

Protect against system breaches

4. Subscriptions and Billing

4.1. Subscription Plans

We offer various subscription plans as described on our pricing page. All fees are exclusive of taxes, which you are responsible for paying.

Starter Plan

$9.99/month

Basic financial tracking

Professional Plan

$19.99/month

Full platform access

Enterprise Plan

Custom/month

Business solutions

4.2. Billing Cycle

Subscriptions automatically renew unless cancelled at least 24 hours before the renewal date. We will notify you before price changes.

4.3. Refunds

We offer a 30-day money-back guarantee. Refund requests after 30 days are reviewed on a case-by-case basis.

5. Financial Data

Critical

Data Accuracy Disclaimer

While we strive for accuracy, we do not guarantee the completeness or accuracy of financial data provided by third-party institutions.

5.1. Data Aggregation

We use Plaid and other secure providers to access your financial data. By using our services, you authorize us to access this data on your behalf.

5.2. Data Storage

We store your financial data securely using bank-level encryption. Data is retained according to our privacy policy.

6. Acceptable Use

You agree not to:

Violate any laws or regulations
Impersonate others or provide false information
Attempt to access others' accounts
Interfere with service operation

7. Intellectual Property

All content, features, and functionality of Qiver are owned by us and protected by intellectual property laws.

Platform Rights

We own all rights to the Qiver platform, code, and design

Your Data Rights

You retain ownership of your financial data

AI Models

Our AI models and algorithms are proprietary

8. Limitation of Liability

Important

8.1. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted or error-free service.

8.2. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of our services.

Liability Caps

$100

Maximum liability for Starter plan

$1,000

Maximum liability for Professional plan

Contractual

Enterprise plan liability terms

9. Termination

You may terminate your account at any time through your account settings. We reserve the right to terminate accounts for violations of these terms.

Account Closure Process

1

Cancel subscription

2

Export your data

3

Request account deletion

4

Data retention period (30 days)

10. Governing Law

These terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions.

Jurisdiction

Delaware, United States

Dispute Resolution

Arbitration preferred over litigation

International Users

Subject to U.S. export controls