MoneyHealth.ai - Terms and Conditions

Effective Date: December 11th, 2024

1. Introduction

Welcome to MoneyHealth.ai. By using our platform, services, and products, including but not limited to financial plans, subscription tiers, and advanced analytics tools, you agree to comply with and be bound by these Terms and Conditions ("T&C"). Please read them carefully. If you do not agree to these T&C, you should not use our services.

2. Eligibility

By using MoneyHealth.ai, you represent and warrant that you are at least 18 years old and legally capable of entering into binding contracts.

Users must provide accurate and complete information during registration and use of the platform.

3. Subscription Model

3.1. Subscription Tiers

MoneyHealth.ai offers multiple subscription tiers based on the purchasing power and size of the subscribing company. The tiers include varying levels of features, such as:

- Basic Tier: Standard financial planning tools and personalized MoneyHealth Roadmaps for employees.

- Enhanced Tier: Includes all Basic Tier features plus additional insights and limited analytics tools.

- Premium Tier: Comprehensive package with advanced features like company-wide financial snapshots, detailed workforce analytics, and priority support.

Subscribers may choose an appropriate tier that best suits their company’s needs.

3.2. Pricing and Payments

Pricing for each tier will be shared during onboarding. Payments must be made in advance and in compliance with the chosen tier’s subscription plan.

Payment processing is facilitated through Razorpay or other integrated payment platforms. By subscribing, you agree to adhere to the payment terms and conditions specified at the time of purchase.

3.3. Downgrade or Upgrade

Subscribers may request to upgrade or downgrade their tier. Adjustments will take effect at the start of the next billing cycle.

4. Use of Services

Personalized Financial Plans: MoneyHealth.ai provides personalized financial planning services based on the information provided by users.

Subscription Features: Access to platform features, including financial plans and analytics tools, will depend on the chosen subscription tier.

Questionnaire: By filling out the financial plan questionnaire, you agree that the information you provide is accurate, complete, and truthful to the best of your knowledge.

5. Financial Plan Disclaimer

Not Financial Advice: The financial plans generated by MoneyHealth.ai are for informational purposes only and do not constitute financial advice, investment advice, or legal advice. Users are encouraged to consult with a certified financial advisor for any financial decisions.

No Guarantees: While we strive to provide accurate and tailored financial plans, MoneyHealth.ai does not guarantee the financial outcome or improvement based on the use of our plans.

Use of Third-Party Data: MoneyHealth.ai may use third-party financial data and market information to generate recommendations. We are not responsible for the accuracy or reliability of this data.

6. Data Collection and Usage

6.1. Data Provided by Users

By completing our financial plan questionnaire or subscribing to a tier, you consent to the collection, use, and storage of the information provided. The data collected may include personal, financial, and company-wide details.

User Consent: By agreeing to these T&C, you grant MoneyHealth.ai the right to use your data to improve, optimize, and personalize our products and services, including developing new features and tools.

6.2. Data Usage

Optimization: We may use aggregated and anonymized user data to enhance and optimize our financial planning algorithms, machine learning models, and user experience.

Analytics: Company-wide data submitted under Premium Tier subscriptions may be used to generate detailed workforce analytics while maintaining data privacy and security.

7. User Obligations

Accurate Information: Users are responsible for providing accurate and up-to-date information when filling out the questionnaire or subscribing to a tier.

Compliance: Users must use MoneyHealth.ai services in compliance with all applicable laws, regulations, and guidelines.

Confidentiality: Users agree not to share their personalized financial plans, analytics, or access credentials with unauthorized individuals.

8. Intellectual Property Rights

All content, features, and functionalities of MoneyHealth.ai, including but not limited to the platform design, software, logos, and generated financial plans, are the intellectual property of MoneyHealth.ai.

Users are granted a limited, non-transferable license to use the platform for personal or company use only. Unauthorized use, reproduction, or distribution of our content is strictly prohibited.

9. Limitation of Liability

MoneyHealth.ai and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

- The use or inability to use our services.

- Any errors or omissions in the financial plans, recommendations, or analytics.

- Any disputes or financial losses resulting from user decisions based on our financial plans.

10. Indemnification

Users agree to indemnify and hold MoneyHealth.ai harmless from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

- User’s violation of these T&C.

- Misuse of the platform, financial plans, or analytics.

- Any inaccuracy in the information provided by the user.

11. Dispute Resolution

Arbitration: In the event of any dispute arising out of or in connection with these T&C, the parties agree to first attempt to resolve the dispute through informal negotiation. If the dispute cannot be resolved, it shall be settled through binding arbitration under the laws of India.

Jurisdiction: The exclusive jurisdiction for any disputes shall be the courts of Maharashtra, India.

12. Changes to Terms and Conditions

MoneyHealth.ai reserves the right to modify, amend, or update these T&C at any time. Users will be notified of significant changes via email or through a notification on our platform.

Continued use of our services after any changes implies acceptance of the revised T&C.

13. Termination

MoneyHealth.ai reserves the right to terminate or suspend access to our services for users who violate these T&C or engage in any activity that may harm the platform or other users.

Subscribers may discontinue use of our services at any time but will still be bound by these T&C for any prior usage.

14. Privacy Policy

The collection and use of personal data are governed by our Privacy Policy, which is incorporated by reference into these T&C. Users are encouraged to read the Privacy Policy to understand how we collect, use, and protect your data.

15. Acknowledgment and Consent

By checking the "I Agree" box on the financial plan questionnaire or subscription agreement, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

You also consent to MoneyHealth.ai’s use of your personal and financial information for the purposes outlined in these T&C, including but not limited to generating financial plans, optimizing our services, and improving user experiences.

Contact Information: If you have any questions about these T&C, please contact us at connect@moneyhealth.ai