Terms and Services
Welcome to WealthTrackAI, a service provided by MTTenterprise Inc. ("we," "us," or "our"). These Terms and Services ("Terms") govern your access to and use of our website, applications, and services ("Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Services.
Table of Contents
1. Acceptance of Terms
By accessing and using WealthTrackAI, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services. We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.
2. Description of Services
WealthTrackAI offers a suite of financial management tools designed to help you track expenses, manage budgets, and gain insights into your financial health. Our Services include:
3. Eligibility
You must be at least 18 years old to use our Services. By agreeing to these Terms, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
4. User Accounts
4.1 Account Registration
To access certain features of the Services, you may be required to register for an account. During registration, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4.2 Account Security
You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account credentials.
4.3 Account Termination
We reserve the right to suspend or terminate your account at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users of the Services, us, or third parties, or for any other reason.
5. Subscription and Payment Terms
WealthTrackAI offers various subscription plans, including Free, Standard, and Premium tiers. By subscribing to a paid plan, you agree to the following terms:
5.1 Billing
5.2 Subscription Management
Subscribers can manage their subscriptions, including upgrading or downgrading plans, through their account settings. Changes to your subscription will take effect at the end of the current billing cycle.
5.3 Refunds
All payments are non-refundable unless otherwise required by law or as explicitly stated in these Terms. In cases where refunds are provided, they will be processed at our sole discretion.
5.4 Free Trial
We may offer a free trial period for certain subscription plans. During the trial period, you may have access to premium features. We reserve the right to terminate the free trial at any time without notice.
6. User Responsibilities
As a user of WealthTrackAI, you agree to:
7. Intellectual Property
All content, features, and functionality of WealthTrackAI, including but not limited to text, graphics, logos, images, software, and data compilations, are the exclusive property of MTTenterprise Inc. and are protected by Canadian and international intellectual property laws.
7.1 License Grant
You are granted a limited, non-exclusive, non-transferable license to access and use WealthTrackAI for personal, non-commercial purposes. Any unauthorized use of the Services, including reproduction, modification, distribution, or republication, is strictly prohibited.
7.2 Trademarks
All trademarks, service marks, and logos displayed on WealthTrackAI are the property of MTTenterprise Inc. or their respective owners. You are not permitted to use these marks without the prior written consent of the respective owners.
8. Privacy Policy
Your privacy is important to us. Our Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Services. By using WealthTrackAI, you consent to the collection and use of information in accordance with our Privacy Policy.
9. Third-Party Services
9.1 Integration with Third-Party Services
Our application integrates with third-party services such as Plaid for secure bank account connections and Stripe for payment processing. These services have their own privacy policies governing the use of your information. We encourage you to review their policies to understand how they handle your data.
9.2 Third-Party Links
Our Services may contain links to third-party websites and services that are not owned or controlled by MTTenterprise Inc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that MTTenterprise Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.
10. Disclaimers
10.1 No Warranty
WealthTrackAI is provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, either express or implied. We do not warrant that the Services will be uninterrupted, secure, or free from errors, viruses, or other harmful components.
10.2 Limitation of Liability
To the fullest extent permitted by law, MTTenterprise Inc. disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
11. Limitation of Liability
In no event shall MTTenterprise Inc., its directors, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of WealthTrackAI, even if advised of the possibility of such damages.
Our total liability to you for any claims arising out of or related to these Terms or your use of the Services shall not exceed the amount you have paid to us in the past six months for accessing WealthTrackAI.
12. Indemnification
You agree to indemnify, defend, and hold harmless MTTenterprise Inc., its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your use of WealthTrackAI.
13. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Ottawa, Ontario, Canada.
For users accessing WealthTrackAI from the United States, these Terms shall also be governed by and construed in accordance with the laws of the State of [Your State], USA, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the federal and state courts located in [Your State], USA.
14. Dispute Resolution
Any disputes arising out of or relating to these Terms or your use of WealthTrackAI shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in [Your State], USA, or Ottawa, Ontario, Canada, depending on your location.
You agree that the arbitration will be the sole and exclusive method for resolving any disputes, and you waive any right to participate in a class action lawsuit or similar proceeding.
15. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you are no longer authorized to use the Services.
16. Termination
We may terminate or suspend your account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.
Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
17. Miscellaneous
17.1 Entire Agreement
These Terms constitute the entire agreement between you and MTTenterprise Inc. regarding your use of the Services, superseding any prior agreements between you and MTTenterprise Inc. regarding your use of the Services.
17.2 Severability
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in full force and effect.
17.3 Assignment
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Any attempt to do so will be null and void.
17.4 Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. A waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of MTTenterprise Inc.
17.5 Feedback
We welcome and encourage you to provide feedback, comments, and suggestions for improvements to the Services ("Feedback"). You may submit Feedback by emailing us at [email protected]. You agree that all Feedback you give us will be non-confidential and non-proprietary, and MTTenterprise Inc. will be free to use such Feedback without any obligation or restriction of any kind.
18. Contact Us
If you have any questions about these Terms, please contact us: