Terms of Service

1. Acceptance of Terms

By accessing and using Waypoint Budget ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Waypoint Budget and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

Code Protection: All source code, algorithms, database schemas, and technical implementations are proprietary and confidential. Any attempt to reverse engineer, decompile, or extract our code is strictly prohibited and will result in immediate termination of your access and potential legal action.

Data Protection: All user data, financial information, and personal details are protected under Canadian privacy laws and our security protocols. Unauthorized access, scraping, or data extraction is strictly prohibited.

3. Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To scrape, crawl, or extract data using automated means
• To attempt to gain unauthorized access to our systems or networks
• To use AI tools, bots, or automated systems to interact with our Service

4. Security and Anti-Bot Measures

We implement various security measures to protect our Service and users:

• Rate limiting and request throttling
• CAPTCHA and bot detection systems
• IP address monitoring and blocking
• Encrypted data transmission and storage
• Regular security audits and updates
• Monitoring for suspicious activity patterns

Any attempt to circumvent these security measures will result in immediate account termination and potential legal action.

5. User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for all activities that occur under your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you without appropriate authorization, or a name that is otherwise offensive, vulgar, or obscene.

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

We comply with Canadian privacy laws including PIPEDA (Personal Information Protection and Electronic Documents Act) and provincial privacy legislation.

AI Chat Feature - Local Storage

7. Subscription and Payment Terms

Waypoint Plus Subscription

• Billing: Billed monthly on the date you subscribe
• Auto-Renewal: Subscriptions automatically renew unless cancelled before the next billing cycle
• Cancellation: Cancel anytime from your Profile page. Access to Plus features continues until the end of your current billing period
• No Refunds: Payments are non-refundable except as required by applicable law
• Payment Failures: If payment fails, your service may be downgraded to the free tier after the grace period
• Price Changes: We will notify you at least 30 days before any price changes. Continued use after notification constitutes acceptance of the new price

Payment Processing

• Processor: All payments are processed securely by Stripe, Inc.
• Stripe Terms: Payments are subject to Stripe's Terms of Service and Privacy Policy
• Payment Data: Credit card details are stored securely by Stripe, not by Waypoint Budget. We never see or store your full payment information
• Security: All payment processing is PCI-DSS compliant

Taxes

Prices include applicable taxes (GST/HST/PST) for Canadian customers. US customers are charged in USD plus applicable sales tax based on your location.

8. Bank Connection Service (Plaid)

Optional Feature

Bank connections are optional and only available to Waypoint Plus subscribers. You are not required to connect your bank to use the Service.

Third-Party Provider

Data Syncing

• Transaction data is synced automatically (frequency varies by bank and institution)
• We store only transaction details (date, amount, description, category) - not account balances or credentials
• You can disconnect your bank at any time from the Profile page
• Disconnecting will stop new transaction syncing but will not delete historical data already imported

Your Responsibility

• You must maintain accurate banking credentials with Plaid
• Notify us immediately at support@waypointbudget.com if you suspect unauthorized access
• Review all synced transactions for accuracy and report discrepancies promptly
• Understand that reconnection may be required if your bank changes security settings

Limitations

• We are not responsible for incorrect, delayed, or missing data from Plaid or your financial institution
• Some banks and credit unions may not be supported by Plaid
• Connection errors may occur due to bank maintenance, security measures, or credential changes
• We do not guarantee uninterrupted access to bank connection features

9. AI Budget Coach Feature

Third-Party AI Processing

Local Storage Only

• Chat history is stored exclusively in your browser's local storage, not on our servers
• We do not have access to your chat history
• Clearing your browser data will permanently delete all chat conversations
• Chat history is device-specific and will not sync across devices

No Financial Advice

Accuracy Limitations

• AI may provide incomplete, outdated, or incorrect information
• You are responsible for verifying all AI-generated advice before acting on it
• We are not liable for decisions made based on AI responses
• AI responses are generated based on patterns and may not account for your unique circumstances

10. Limitation of Liability

Disclaimer of Warranties

Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
• Our total liability for any claim shall not exceed the amount you paid us in the 12 months prior to the claim, or $100 CAD, whichever is greater
• We are not liable for losses caused by circumstances beyond our reasonable control

Specific Exclusions

We are not liable for:

• Data Loss: Loss of data due to user error (e.g., accidental deletion, browser cache clearing, account deletion)
• Financial Decisions: Incorrect financial decisions based on our calculators, AI advice, blog content, or budget suggestions
• Third-Party Errors: Bank connection errors, transaction sync issues, or data inaccuracies caused by Plaid, your bank, or other third parties
• Tax Issues: Tax penalties, over-contributions to government programs (TFSA, RRSP, FHSA), or incorrect tax calculations
• AI Errors: Incorrect, incomplete, or misleading information provided by the AI Budget Coach
• Service Interruptions: Temporary unavailability, downtime, or service degradation

User Responsibility

You acknowledge that you are solely responsible for your financial decisions and for verifying all information before acting on it. You agree to use the Service at your own risk.

11. User-Generated Content

Your Ownership

You retain full ownership of all data, budgets, transactions, financial goals, and files you upload, create, or import into the Service. Your financial information belongs to you.

Limited License to Us

By uploading or creating content in the Service, you grant us a limited, non-exclusive, royalty-free license to process, store, and display your content solely for the purpose of providing the Service to you. This license includes:

• Storing your data on our servers (hosted in Canada)
• Processing your data to provide budget analysis, insights, and recommendations
• Displaying your data back to you through the Service interface
• Creating backups for data recovery purposes

Important: We do not use your personal financial data for any purpose other than providing the Service to you. We do not sell, share, or use your financial information for advertising or marketing to third parties.

Your Responsibility

You are responsible for ensuring that:

• You have the right to upload and use any data you provide to the Service
• Your content does not violate any laws, regulations, or third-party rights
• You maintain accurate and up-to-date information in your account
• You back up important data as we are not liable for data loss

Prohibited Content

You may not upload, create, or transmit content that:

• Violates any applicable laws or regulations
• Infringes intellectual property rights of others
• Contains malware, viruses, or other harmful code
• Is fraudulent, deceptive, or misleading
• Attempts to exploit or harm the Service or other users

Our Rights

We reserve the right to:

• Remove content that violates these Terms of Service
• Suspend or terminate accounts that repeatedly violate our policies
• Investigate suspected violations and cooperate with law enforcement if required
• Monitor usage patterns to detect fraudulent or abusive behavior

12. Intellectual Property Rights - Your Data vs. Our Platform

You Own Your Data

We Own the Platform

Restrictions

You may not:

• Copy, modify, distribute, or reverse engineer our software, code, or platform
• Create derivative works based on our Service
• Remove, obscure, or alter any copyright, trademark, or proprietary notices
• Use our trademarks, logos, or branding without prior written permission
• Attempt to extract or access our source code, algorithms, or database schemas
• Use the Service to build a competing product or service
• Scrape, crawl, or automatically extract data from the Service

Trademark Notice

"Waypoint Budget" and associated logos are trademarks of Waypoint Budget. All other trademarks, service marks, and trade names referenced in the Service are the property of their respective owners.

13. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

14. Financial Information Disclaimer

Financial Calculators and Tools

15. Indemnification

You agree to indemnify, defend, and hold harmless Waypoint Budget and its owners, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees and court costs) arising from or relating to:

• Your use or misuse of the Service
• Your violation of these Terms of Service
• Your violation of any rights of another person or entity
• Any financial decisions you make based on information from the Service
• Any incorrect data you input or import into the Service
• Your breach of any applicable laws or regulations
• Any content you upload, create, or transmit through the Service

This indemnification obligation will survive the termination or expiration of these Terms and your use of the Service.

16. Severability

If any provision of these Terms of Service is found to be unenforceable, invalid, or illegal by a court of competent jurisdiction, such provision will be modified to the minimum extent necessary to make it enforceable, valid, and legal while preserving its intent to the greatest extent possible.

If such modification is not possible, the unenforceable, invalid, or illegal provision will be severed from these Terms, and the remaining provisions will continue in full force and effect. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision of these Terms.

17. Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters (earthquakes, floods, hurricanes, fires)
• War, terrorism, riots, civil unrest, or acts of government authorities
• Pandemics, epidemics, or public health emergencies
• Labor disputes, strikes, or lockouts (not involving our employees)
• Internet service provider failures or telecommunications outages
• Power outages, equipment failures, or data center disruptions
• Cyberattacks, denial-of-service attacks, or hacking attempts
• Shortages of transportation, fuel, energy, labor, or materials
• Regulatory changes or government orders that prevent performance

In the event of a force majeure circumstance, our obligations under these Terms will be suspended for the duration of the event. We will make reasonable efforts to minimize the impact and resume normal operations as soon as reasonably possible.

If a force majeure event continues for more than 30 consecutive days, either party may terminate these Terms upon written notice to the other party.

18. General Disclaimer

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, this Company excludes all representations, warranties, conditions and terms relating to our Service and the use of this Service.

19. Governing Law

These Terms of Service shall be interpreted and governed by the laws of Canada and the Province of Alberta, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts located in Alberta, Canada.

You agree to submit to the personal jurisdiction of such courts and waive any objection to the venue or inconvenience of such courts.

20. Contact Information

If you have any questions about these Terms of Service, please contact us at support@waypointbudget.com