Terms of Service
Last updated: December 2024
1. Acceptance of Terms
By accessing or using Planexia ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
2. Description of Service
Planexia is a retirement planning application that provides financial projections, scenario analysis, and planning tools. The Service is intended for informational and educational purposes only.
3. Not Financial Advice
Important: Planexia does not provide financial, tax, legal, or investment advice. The projections and recommendations provided by the Service are estimates based on the information you provide and should not be considered professional financial advice.
We strongly recommend consulting with qualified financial professionals before making any financial decisions based on information from this Service.
4. User Accounts
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate information when creating your account.
5. User Responsibilities
You agree to:
- Provide accurate and complete information
- Use the Service only for lawful purposes
- Not attempt to access other users' accounts
- Not reverse engineer or attempt to extract source code
- Not use the Service to harm others
6. Subscription and Billing
Some features require a paid subscription. Subscriptions are billed in advance on a monthly basis. You can cancel at any time, and you will retain access until the end of your billing period.
7. Intellectual Property
The Service, including all content, features, and functionality, is owned by Planexia and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute any part of the Service without our express permission.
8. Limitation of Liability
To the maximum extent permitted by law, Planexia shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from your use of the Service.
9. Disclaimer of Warranties
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that projections will be accurate or that the Service will be uninterrupted or error-free.
10. Termination
We may terminate or suspend your account at any time for violation of these Terms. You may delete your account at any time through your account settings.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Province of Quebec, Canada, without regard to its conflict of law provisions.
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page. Your continued use of the Service after such changes constitutes acceptance of the new Terms.