Terms of Service

1. Definitions

• "Platform": The website, mobile applications, and all related services operated by XPlus Finance.
• "Services": All functionalities offered by XPlus Finance.
• "User": Any person who accesses or uses the Platform.
• "Account": Your personal account on XPlus Finance.
• "User Content": Information, data, and materials that you provide.
• "Financial Data": Information about bank accounts, transactions, and investments.
• "Third-Party Services": Plaid, Stripe, OpenAI, AWS, Mailgun, Twilio, Sentry, Alpha Vantage, CoinMarketCap.

2. Acceptance of Terms

By creating an account or using XPlus Finance, you agree to these Terms of Service, our Privacy Policy, and our Cookie Policy.

You represent that you are at least 18 years of age and have the legal capacity to enter into binding contracts.

3. Description of Service

XPlus Finance is a comprehensive financial management platform offering:

• Personal Financial Management: Dashboard, transaction tracking, budgets, expense analysis
• Banking Services: Account connections (via Plaid), multi-bank aggregation, automatic categorization
• Investments: Portfolio tracking, performance analysis, Stock Screener, calculators
• Cryptocurrencies: Crypto portfolio, price tracking, market analysis, virtual trading
• Digital Wallet: Fund management, internal transfers
• AI Financial Assistant: Chat with specialized AI, personalized advice (OpenAI)
• Financial CRM: Contact management, leads, automation
• Gamification: Points system, achievements, challenges, rewards
• Financial Academy: Courses, articles, videos, certifications
• Fraud Detection: Monitoring, alerts, pattern analysis
• Automation: Automated savings, scheduled transfers

4. Eligibility and Requirements

• Minimum Age: Must be 18 years or older. Accounts of minors will be deleted immediately.
• Jurisdiction: Available in USA, EU, Latin America, and other countries (verify availability).
• Prohibitions: Cannot use XPlus Finance if on sanctions lists (OFAC, EU, UN), residing in embargoed country, or previously banned.

5. Registration and Account Security

Registration Information

Must provide: full name, valid email, secure password, date of birth, country of residence. All information must be truthful, accurate, and up-to-date.

Identity Verification (KYC)

We may require identity verification to comply with AML/KYC regulations, prevent fraud, and unlock premium features.

Account Security

• Keep password confidential and use a strong, unique password
• Enable two-factor authentication (2FA) - highly recommended
• Do not share account with third parties
• Notify us immediately of unauthorized access

We will NEVER ask for your password by email, phone, or chat.

6. Acceptable Use

✅ Permitted Uses

• Manage personal finances
• Connect legitimate bank accounts
• Track investments and cryptocurrencies
• Obtain financial information and learn

❌ Prohibited Uses

• Illegal Activities: Money laundering, terrorism financing, tax evasion, fraud
• Security Violations: Hacking, reverse engineering, unauthorized scraping, DDoS, malware injection
• Platform Abuse: Multiple fake accounts, false information, identity impersonation, spam
• Unauthorized Commercial Use: Reselling access, competing with us, extracting data without permission
• Inappropriate Content: Offensive content, harassment, third-party rights violation

7. Financial Services

Bank Connection (Plaid)

• XPlus Finance does NOT store your bank credentials
• We only access read-only data (cannot move money)
• You can revoke access at any time
• Not all banks are supported

Market Data

• Data may be delayed up to 15-20 minutes
• We do not guarantee accuracy or timeliness of market data
• We do NOT execute trades - only track

Cryptocurrencies

• Currently we do NOT execute cryptocurrency transactions
• We only provide portfolio tracking
• Cryptocurrencies are extremely volatile - you can lose your entire investment

AI Assistant

• Uses OpenAI GPT - provides general information, NOT personalized advice
• AI can make mistakes - always verify important information
• We anonymize your data before sending to OpenAI

8. Fees and Payments

Subscription Plans

• Free Plan: Basic features, limited connections, with optional advertising
• Premium Plan (Paid): All unlimited features, no ads, priority support
• Professional Plan: For financial advisors, multi-client management, white label

Current Pricing: https://xplusfinance.org/pricing

Processing: Stripe (secure, PCI compliant)

Automatic Renewal: Subscriptions renew automatically. Notification 7 days prior.

Refund Policy

• 30-day guarantee: Full refund if you cancel within 30 days of first subscription
• Billing error: Full refund if we detect an error
• Service not delivered: Prorated refund if service down > 48 hours

Billing Contact: [email protected]

9. Intellectual Property

We own: All source code, designs, "XPlus Finance" trademarks, logos, educational content, databases. Protected by copyright, trademark, and trade secrets.

Limited License to You: We grant you a limited, non-exclusive, non-transferable, revocable license for personal use. You may NOT copy, modify, distribute, reverse engineer, or use our trademarks without permission.

Your Content: You retain ownership of your financial data. By using the Platform, you grant us a license to store, process, and use aggregated/anonymized data for analytics. We do NOT sell your financial data to third parties.

10. Privacy and Data Protection

See our full Privacy Policy for details on:

• What data we collect and how we use it
• Who we share data with
• Your rights under GDPR, CCPA, LGPD
• How we protect your data (TLS 1.3, AES-256, bcrypt, 2FA)

11. Third-Party Services

XPlus Finance integrates third-party services. Each has their own terms:

• Plaid (Bank Connection) - Terms
• Stripe (Payments) - PCI DSS Level 1 - Terms
• OpenAI (AI Assistant) - Terms
• AWS (Hosting) - Terms
• Mailgun (Emails) - Terms
• Twilio (SMS/2FA) - Terms
• Sentry (Error Monitoring) - Terms
• Alpha Vantage (Market Data) - Terms
• CoinMarketCap (Crypto Data) - Terms

IMPORTANT: XPlus Finance is NOT responsible for the actions, errors, or omissions of third-party services.

12. Limitation of Liability

WE SHALL NOT BE LIABLE FOR:

• Loss of profits, revenue, data, business opportunities
• Investment decisions based on the Platform
• Errors in third-party market data
• Advice generated by AI
• Actions of third-party services (Plaid, Stripe, OpenAI, etc.)
• Force majeure (natural disasters, wars, pandemics, cyberattacks)

Maximum Liability: The amount you paid in the last 12 months, OR $100 USD, whichever is GREATER.

13. Indemnification

You agree to indemnify, defend, and hold harmless XPlus Finance from any claims, liability, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the Platform
• Violation of these Terms
• Violation of third-party rights
• Content you upload
• Illegal activities
• Financial decisions
• Failure to protect credentials

14. Suspension and Termination

Termination by You

You can terminate your account at any time: Settings → Account → Delete Account

• Immediate access disabled
• 30-day grace period to recover account
• After 90 days: permanent deletion of personal data
• Financial data retained 7 years (legal requirement)

Suspension/Termination by Us

We may suspend or terminate your account for:

• Serious or repeated violation of these Terms
• Illegal activities, fraud, or malicious conduct
• Providing false information
• Abuse of services or support staff
• Non-payment (premium accounts)
• Inactive accounts (> 2 years, free accounts only)

Appeals: [email protected] (review within 10 business days)

15. Governing Law and Dispute Resolution

Governing Law: State of Delaware, United States

Jurisdiction: Courts of Wilmington, Delaware

Dispute Resolution (3 Steps)

1. Direct Contact: [email protected] (attempt to resolve within 30 days)
2. Mediation (Optional): Neutral mediator, costs shared 50/50, non-binding
3. Arbitration (Binding): American Arbitration Association (AAA), one neutral arbitrator, binding and final award

Statute of Limitations: Any claim must be filed within 1 year after the cause of action arises.

16. Modifications

We may modify these Terms at any time:

• Material Changes: Notification with 30 days advance notice via email and prominent notice
• Minor Changes: Date update, no notification

Your continued use after changes constitutes acceptance. If you don't accept, you must close your account before they take effect.

17. General Provisions

• Entire Agreement: These Terms + Privacy Policy + Cookie Policy constitute the entire agreement
• Severability: If any provision is invalid, it's modified to the minimum necessary; others remain
• No Waiver: Non-exercise of rights does NOT constitute waiver
• Assignment: You may NOT assign; we may assign in case of merger/acquisition
• No Agency Relationship: Does NOT create employment, partnership, joint venture, or agency
• Force Majeure: We're not liable for circumstances beyond our control
• Language: English version is the official binding version; translations for convenience only

18. Contact

XPlus Finance LLC

• General Support: [email protected]
• Legal Matters: [email protected]
• Privacy: [email protected]
• Security: [email protected]
• Billing: [email protected]
• Appeals: [email protected]
• DMCA: [email protected]

Website: https://xplusfinance.org