These Terms govern your use of Monifyx AI.
Monifyx AI provides automated financial analysis tools including budgeting, insights, cashflow forecasting, and spending categorization.
Monifyx AI does not provide investment advice, tax advice, or financial planning services requiring licensing.
You must:
- Be 18 or older
- Create an account using accurate information
- Not use the service for illegal purposes
You agree to:
- Maintain the confidentiality of your login
- Provide accurate information
- Use the service lawfully
- Not misuse or reverse-engineer the system
4. Not Financial Advice (Important)
Monifyx AI provides general educational financial insights only.
We do NOT:
- Recommend specific securities
- Give personalized investment advice
- Provide tax or accounting services
- Guarantee financial outcomes
All insights are estimates and may contain inaccuracies.
5. Payments & Subscriptions
- Premium features require payment through Stripe
- Subscriptions auto-renew unless canceled
- Users may cancel anytime through the billing portal
- No refunds for partially used periods unless legally required
6. Data Connections via Plaid
By connecting accounts, you authorize Plaid to:
- Retrieve financial data
- Share data with Monifyx AI
- Securely manage authentication
You may disconnect at any time.
AI-generated outputs:
- May be inaccurate or incomplete
- Should not be solely relied upon for financial decisions
- Must be considered as estimates
We are not liable for losses resulting from reliance on AI outputs.
We may suspend accounts for:
- Policy violations
- Fraud
- Abuse
- Security concerns
Users may delete accounts anytime.
9. Limitation of Liability
To the maximum extent permitted by law:
- We are not liable for financial loss, damages, or reliance on AI outputs
- Service is provided "as is"
These terms are governed by the laws of the United States.