Terms of Service

1. Acceptance of Terms

By accessing or using FAUSA's AI money coaching service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms apply to all users of the Service.

2. Description of Service

FAUSA provides an AI-powered financial education and coaching platform that teaches money management skills including budgeting, saving, debt management, investing, and income growth. The Service includes:

• Interactive AI chat coaching sessions
• Personalized financial tips and education
• Adaptive learning that adjusts to your skill level
• Progress tracking across financial topics

3. Not Financial Advice

Important Disclaimer: FAUSA provides general financial education and information only. The content provided by FAUSA is not personalized financial, investment, tax, or legal advice. Always consult a qualified financial advisor, accountant, or attorney before making significant financial decisions. FAUSA is not a registered investment advisor, broker-dealer, or financial planner.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or fraudulent content
• Attempt to gain unauthorized access to our systems
• Use the Service for any illegal or unauthorized purpose
• Impersonate any person or entity
• Interfere with or disrupt the Service

5. Intellectual Property

The Service and all content, features, and functionality are owned by FAUSA and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

6. Disclaimers and Limitations of Liability

6.1 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

6.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAUSA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.

7. Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of information as described in the Privacy Policy.

8. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination, all licenses and rights granted to you will immediately cease.

9. Changes to Terms

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. Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

11. Contact Information