Terms of Service

1. Acceptance of Terms

Welcome to Dolfin AI. By accessing or using our AI-powered personal finance assistant application and related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

We may update these Terms from time to time. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

2. Description of Service

Dolfin AI is an AI-powered personal finance assistant that helps you:

• Track income and expenses through natural conversation
• Organize transactions into categories
• Get insights and analysis of your spending patterns
• Receive personalized financial advice and tips
• Set and monitor budgets and financial goals

3. Account Registration

3.1 Eligibility

You must be at least 13 years old to use Dolfin AI. By registering, you represent that you meet this age requirement.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

3.3 Accurate Information

You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

4. Acceptable Use

You agree NOT to use the Service to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Upload malicious code or attempt to hack the Service
• Attempt to access other users' accounts or data
• Use automated systems to access the Service without permission
• Engage in any activity that disrupts or interferes with the Service
• Use the Service for money laundering or other illegal financial activities
• Misrepresent your identity or affiliation

5. User Content and Data

5.1 Your Data

You retain ownership of all financial data, transactions, and content you input into Dolfin AI. By using the Service, you grant us a limited license to process this data solely for providing and improving the Service.

5.2 Data Accuracy

You are responsible for the accuracy of the financial information you enter. Dolfin AI processes information as provided and cannot verify the accuracy of user-entered data.

5.3 AI-Generated Content

The Service uses artificial intelligence to generate responses, insights, and suggestions. While we strive for accuracy, AI-generated content may occasionally contain errors. You should verify important financial information independently.

6. Usage Limits

To ensure fair access for all users, the Service may include usage limits:

• Daily message limit: Free tier users are limited to 10 AI chat messages per day
• Rate limiting: Requests may be rate-limited to prevent abuse
• Storage limits: Reasonable limits on transaction history and data storage

Premium subscriptions may offer higher or unlimited usage, as specified in the subscription plan details.

7. Subscriptions and Payments

7.1 Free Tier

Dolfin AI offers a free tier with core features. The free tier is subject to usage limits and may display promotional content.

7.2 Premium Subscriptions

Premium features may be available through paid subscriptions. By subscribing, you agree to:

• Pay the applicable subscription fees
• Automatic renewal unless cancelled before the renewal date
• The subscription terms presented at the time of purchase

7.3 Refunds

Refund policies are subject to the terms of the platform through which you subscribed (e.g., Google Play). Generally, we do not provide refunds for partial subscription periods.

8. Intellectual Property

8.1 Our Property

The Service, including its design, features, content, and underlying technology, is owned by Dolfin AI and protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of the Service.

8.2 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us the right to use such feedback without any obligation to you.

9. Disclaimers

9.2 Service Availability

The Service is provided "AS IS" and "AS AVAILABLE." We do not guarantee:

• Uninterrupted or error-free operation
• That defects will be corrected
• That the Service is free of viruses or harmful components
• The accuracy, reliability, or completeness of any content

9.3 AI Limitations

Our AI technology, while advanced, has limitations. AI-generated responses may:

• Contain inaccuracies or errors
• Misinterpret your queries
• Provide outdated information
• Not account for your complete financial situation

10. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages
• We are not liable for any loss of data, profits, or goodwill
• We are not liable for any financial losses resulting from reliance on the Service
• Our total liability shall not exceed the amount you paid for the Service in the past 12 months, or $100, whichever is greater

11. Indemnification

You agree to indemnify and hold harmless Dolfin AI, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal 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

12. Termination

12.1 By You

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

12.2 By Us

We may suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent or illegal activities
• Abuse the Service or other users
• Fail to pay applicable fees

12.3 Effect of Termination

Upon termination:

• Your right to use the Service immediately ceases
• We may delete your data (subject to legal retention requirements)
• Provisions that should survive termination (such as limitations of liability) will remain in effect

13. Changes to Service

We reserve the right to:

• Modify or discontinue any part of the Service
• Change pricing for premium features (with notice)
• Update these Terms

We will provide reasonable notice of significant changes when possible.

14. Governing Law

These Terms are governed by the laws of the jurisdiction where Dolfin AI operates, without regard to conflict of law principles. Any disputes shall be resolved in the courts of that jurisdiction.

15. Contact Us

If you have questions about these Terms of Service, please contact us:

• Email: dolfinmind@gmail.com

16. Severability

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

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Dolfin AI regarding the use of the Service.