Terms of Service

1. Acceptance of Terms

By accessing or using Vine Finance (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and Vine Finance.

Your continued use of the Service after any changes to these Terms constitutes acceptance of the new Terms. We recommend reviewing these Terms periodically for any updates.

2. Description of Service

Vine Finance is a comprehensive financial management platform that enables users to track, manage, and analyze their net worth, assets, liabilities, and overall financial health. Our Service includes:

• Net worth tracking and visualization
• Asset and liability management
• Financial goal setting and progress tracking
• Budgeting and expense analysis tools
• Retirement planning calculators
• Real estate portfolio management
• Educational resources and financial insights

3. Eligibility and Account Requirements

To use the Service, you must:

• Be at least 18 years old and capable of entering into a binding agreement
• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations

You represent and warrant that you meet these requirements and that your use of the Service will not violate any applicable law or regulation.

4. Account Security and Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Ensuring your account information remains accurate and up-to-date
• Logging out of your account when using shared devices
• Notifying us immediately of any security concerns

We implement industry-standard security measures, but you acknowledge that no system is completely secure. You use the Service at your own risk.

5. Acceptable Use and User Conduct

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any applicable laws, regulations, or third-party rights
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Upload or transmit viruses, malware, or other harmful code
• Use automated scripts or bots to interact with the Service
• Share your account credentials with others
• Use the Service to harass, abuse, or harm others

6. Subscription, Payment, and Billing

Some features of the Service may require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees in advance
• Provide accurate billing information
• Authorize automatic renewal of your subscription
• Pay any applicable taxes

Billing and Renewal: Subscriptions automatically renew unless canceled before the renewal date. You may cancel your subscription at any time through your account settings or by contacting us.

Refunds: Fees are generally non-refundable except as required by law or as specified in our refund policy. We may offer refunds at our discretion for exceptional circumstances.

7. Data and Privacy

Your privacy is important to us. Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

We implement reasonable security measures to protect your data, including:

• Encryption of sensitive data in transit and at rest
• Regular security audits and updates
• Access controls and authentication measures
• Secure data centers and infrastructure

However, you acknowledge that no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

8. Third-Party Services and Integrations

The Service may integrate with or link to third-party services, including:

• Financial institutions and banking services
• Payment processors and billing services
• Analytics and monitoring services
• Customer support platforms

Vine Finance is not responsible for the content, policies, or practices of third-party services. Your use of third-party services is subject to their respective terms and privacy policies.

9. Intellectual Property Rights

All content, trademarks, logos, and technology used in the Service are the property of Vine Finance or its licensors and are protected by intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Create derivative works based on our Service
• Reverse engineer or attempt to extract source code
• Use our trademarks or branding without authorization

You retain ownership of any content you submit to the Service, but you grant us a license to use, store, and display that content as necessary to provide the Service.

10. Disclaimers and Limitations

Financial Information: We do not guarantee the accuracy, completeness, or reliability of any financial information, calculations, or recommendations provided through the Service.

Investment Advice: The Service does not provide investment advice. All investment decisions should be made in consultation with qualified financial advisors.

Third-Party Content: We are not responsible for the accuracy or reliability of any third-party content or services.

11. Limitation of Liability

To the fullest extent permitted by law, Vine Finance and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Business interruption or downtime
• Damages resulting from unauthorized access to your account
• Damages from viruses or other harmful code
• Any other damages arising from your use of the Service

Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Vine Finance, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorney's fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Service

13. Modifications to Terms and Service

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Sending you an email notification
• Displaying a notice within the Service

Your continued use of the Service after changes constitutes acceptance of the new Terms. If you do not agree to the changes, you should discontinue using the Service.

14. Termination and Account Cancellation

You may cancel your account at any time by contacting us or using the account deletion feature in your settings.

We may suspend or terminate your access to the Service immediately, without notice, for conduct that we believe:

• Violates these Terms
• Is harmful to other users or the Service
• May cause legal liability
• Involves fraudulent or illegal activity

Upon termination, your right to use the Service ceases immediately, and we may delete your account and data in accordance with our data retention policies.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the jurisdiction in which Vine Finance operates, without regard to its conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be resolved through:

• Good faith negotiations between the parties
• Mediation, if negotiations fail
• Binding arbitration, if mediation fails

You agree to resolve disputes individually and waive any right to participate in class action lawsuits.

16. Miscellaneous Provisions

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement: These Terms constitute the entire agreement between you and Vine Finance regarding the Service.

Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

Assignment: You may not assign your rights or obligations under these Terms without our written consent.