Terms of Service

1. Acceptance of Terms

By downloading, installing, creating an account, or using FinZen AI ("the App"), you agree to be legally bound by these Terms of Service ("Terms"). If you do not agree with these Terms in their entirety, do not download, install, or use the App.

These Terms constitute a legally binding agreement between you and Abundance Lab LLC, a limited liability company incorporated under the laws of the State of Wyoming, United States, with registered address for notifications at 30 N Gould St Ste R, Sheridan, Wyoming 82801-6317, United States ("Company," "we," or "our").

By clicking "I Accept", creating an account, or using the App, you confirm that you have read, understood, and agree to these Terms.

2. Description of Service

FinZen AI is a personal finance management application that provides, according to the selected subscription plan:

• Manual and automatic expense and income tracking
• Creation and monitoring of personalized budgets
• Setting and tracking financial goals
• Virtual financial assistant ("Zenio") powered by OpenAI artificial intelligence
• Optional email synchronization (Gmail and Microsoft Outlook) for automatic import of bank notifications (available in Pro Plan)
• Financial reports and analysis, including AI-generated weekly reports (Pro Plan)
• Payment reminders and alerts
• Ant expense detector to identify small recurring expenses
• Gamification features to develop healthy financial habits, including badges, activity streaks, financial score (FinScore), and challenges. These elements are informational and motivational; they have no monetary value and cannot be redeemed
• Voice transaction entry processed using voice recognition technology

Specific features available vary according to your subscription plan. See Section 5 for details.

3. Eligibility

3.1 Age Requirement

You must be at least eighteen (18) years old to use FinZen AI. By using the App, you represent and warrant that:

• You are at least 18 years old
• You have the legal capacity to enter into binding contracts in your jurisdiction
• You are not prohibited from using the App under applicable laws

3.2 Verification

We reserve the right to request age verification at any time and to suspend or cancel accounts if we determine that the user does not meet the minimum age requirement.

3.3 Responsibility

If you allow a minor to use your account or device to access the App, you assume all responsibility for such use and for any consequences arising therefrom.

4. Account Registration

4.1 Account Requirement

To use FinZen AI, you must create an account. It is not possible to access any functionality of the App without a registered account.

4.2 Your Obligations

When creating an account, you agree to:

• Provide accurate, current, and complete information during registration
• Promptly maintain and update your information to keep it accurate and complete
• Maintain the security and confidentiality of your login credentials
• Not share your account or credentials with third parties
• Notify us immediately at info@juniorurena.com.do of any unauthorized access or suspected security breach
• Accept sole responsibility for all activities that occur under your account

4.3 Our Rights

We reserve the right to suspend, limit, or cancel accounts that:

• Violate these Terms
• Contain false or misleading information
• Remain inactive for more than twenty-four (24) months
• Are used in a manner we consider harmful to other users or to the App

4.4 Biometric Authentication

The App offers the option to use biometric authentication (Face ID, Touch ID, or fingerprint) to access your account:

• This feature is optional and can be enabled in the App settings
• Biometric data is processed and stored only on your device
• We never transmit or store biometric data on our servers
• You are responsible for maintaining the security of biometric data registered on your device
• If other users have biometric data registered on your device, they could access your FinZen AI account if you enable this feature

5. Subscription Plans and Pricing

5.1 Available Plans

FinZen AI offers the following subscription plans:

• Free Plan: Basic features with limited functionality
• Plus Plan ($4.99 USD/month): Enhanced features including unlimited queries to the AI assistant Zenio
• Pro Plan ($9.99 USD/month): All features including email synchronization, AI weekly reports, advanced analytics, and priority support

Limits by Plan:

5.2 Free Trial Period

New users may be eligible for a seven (7) day free trial of paid features. The trial:

• Is available once per user/device
• Allows access to premium features during the trial period
• Does not require payment information to start
• Automatically reverts to the Free Plan upon expiration, unless you decide to subscribe
• We use device identifiers to prevent abuse of the trial program

5.3 Billing, Auto-Renewal, and Payment

• Payments are processed securely through Stripe, Inc. We do not store credit card information on our servers.
• AUTO-RENEWAL: SUBSCRIPTIONS AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD (MONTHLY OR ANNUAL, ACCORDING TO YOUR SELECTION) UNTIL YOU CANCEL. YOU WILL BE CHARGED THE SUBSCRIPTION PRICE IN EFFECT AT THE TIME OF RENEWAL.
• Prices are expressed in US Dollars (USD). Applicable taxes according to your jurisdiction will be added to the displayed price.
• You expressly authorize Abundance Lab LLC, through Stripe, to make recurring charges to your registered payment method.
• We will notify you of any price changes at least thirty (30) days in advance. Continued use after the price change constitutes acceptance of the new price.

5.4 How to Cancel

You may cancel your subscription at any time by:

• The "Subscription" section within the App settings
• Stripe's customer portal (link available in the App)
• Sending an email to info@juniorurena.com.do

Cancellation must be made at least 24 hours before the renewal date to avoid being charged for the next period.

5.5 Effect of Cancellation and Refunds

• Cancellation takes effect at the end of the current billing period already paid.
• You will retain access to paid features until the end of that period.
• Refund Policy: Refunds are generally not provided for partial periods. However, you may request a refund within the first seven (7) days after your first subscription charge if you are not satisfied with the service, by sending a request to info@juniorurena.com.do.
• Refunds, when granted, will be processed to the original payment method within 5-10 business days.

5.6 Referral Program

FinZen AI offers a referral program with the following terms:

• Referral Code: Each user can generate a unique code to share with friends and family
• Benefit for the Referred (new user): 20% discount on the first month of paid subscription
• Benefit for the Referrer: One (1) free month of your current plan for each referral who completes their first subscription payment

Program conditions:

• The referred must be a new user who has never had an account in FinZen AI
• The referrer's benefit is activated only after the referred completes their first subscription payment
• Referral benefits expire ninety (90) days after being generated if not used
• Benefits have no cash value and are non-transferable
• Abuse of the program (including creating fake accounts or using multiple devices to obtain benefits) will result in cancellation of benefits and possible account suspension
• We reserve the right to modify, suspend, or cancel the referral program at any time with prior notice

6. Acceptable Use

You agree NOT to:

• Use the App for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the App, its systems, or related networks
• Interfere with or disrupt the functionality of the App or servers
• Upload malicious code, viruses, malware, or harmful data
• Impersonate any person, entity, or falsify your affiliation
• Use the App to harass, abuse, threaten, or harm others
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App
• Use automated systems (bots, scrapers, crawlers) to access the App
• Share your account credentials with third parties or allow unauthorized access
• Use the App for commercial purposes without our prior written authorization
• Enter false or fraudulent information in the App
• Abuse the free trial program or the referral program

7. Artificial Intelligence Assistant (Zenio)

7.1 Technology Used

Zenio is a virtual assistant that uses artificial intelligence technology provided by OpenAI, LLC. By using Zenio, you acknowledge and agree that:

• Your text queries and generated responses are processed by OpenAI servers
• If you use the voice input feature, your audio is processed using OpenAI Whisper for transcription
• Responses are generated algorithmically and not by human advisors
• OpenAI may use anonymized data to improve its models, subject to its privacy policy

7.2 Informational Nature - NOT PROFESSIONAL ADVICE

NEVER make important financial decisions based solely on information from Zenio. Always consult with properly licensed and qualified professionals before making decisions about investments, taxes, debts, estate planning, or other significant financial matters.

7.3 Limitations and Accuracy

You acknowledge that:

• AI responses may contain errors, inaccuracies, or omissions
• Information may not be up-to-date or apply to your specific situation
• Zenio does not have access to real-time financial market information
• Zenio's suggestions do not consider your complete tax, legal, or financial situation
• Abundance Lab LLC does not guarantee the accuracy, completeness, or usefulness of any response generated by Zenio

7.4 Sensitive Information

We strongly recommend NOT sharing with Zenio:

• Complete credit or debit card numbers
• Bank account numbers
• Passwords or PINs
• Social security or tax identification numbers
• Detailed medical information

Although we implement security measures, we cannot guarantee the absolute security of information transmitted over the internet.

7.5 Disclaimer of Liability for Financial Decisions

YOU ASSUME ALL RESPONSIBILITY FOR ANY FINANCIAL DECISION YOU MAKE. Abundance Lab LLC, its directors, employees, and affiliates shall not be liable for financial losses, damages, or adverse consequences that result directly or indirectly from actions taken based on information provided by Zenio or any other feature of the App.

8. Email Synchronization (Pro Plan)

8.1 Feature Description

Pro Plan users may choose to connect their email accounts (Gmail from Google and/or Outlook from Microsoft) to enable automatic import of bank transaction notifications. This feature is completely optional.

8.2 Gmail Integration (Google)

By enabling Gmail synchronization, you:

• Authorize FinZen AI to access your Gmail account through Google's OAuth 2.0 protocol
• Understand that we only access and process emails that match specific patterns of banking and financial notifications
• Acknowledge that we do not access, read, store, or process any other emails that do not correspond to banking notifications
• Can revoke this access at any time from https://myaccount.google.com/permissions or from FinZen AI settings

Compliance with Google Policies: The use of information received from Google APIs complies with the Google API Services User Data Policy, including the Limited Use requirements. Specifically:

• We only use Gmail data to provide the automatic transaction import feature
• We do not transfer this data to third parties except as necessary to provide the service
• We do not use this data for advertising
• We do not allow humans to read this data except with your express consent, for security reasons, to comply with the law, or when the data has been aggregated and anonymized

8.3 Microsoft Outlook Integration

By enabling Outlook synchronization, you:

• Authorize FinZen AI to access your Outlook account through Microsoft's OAuth 2.0 protocol
• Understand that we apply the same access restrictions described for Gmail
• Can revoke this access at any time from https://account.live.com/consent/Manage or from FinZen AI settings

8.4 Data Processing and Retention

Transaction data extracted from your emails:

• Is processed to create automatic expense and income records in your account
• Is used for automatic categorization and report generation
• Is stored only in your FinZen AI account and is subject to our Privacy Policy
• Will be permanently deleted if you disconnect the integration or delete your account

8.5 Security

• We use encrypted connections (TLS/SSL) for all communications with Gmail and Outlook
• We do not store your email credentials; we only store revocable access tokens
• Access tokens are stored in encrypted form

9. User Content

9.1 Responsibility for Your Content

You are solely responsible for the information, data, and content you enter into the App ("User Content"). You represent that:

• You have the right to share such content
• The content is accurate to the best of your knowledge and belief
• The content does not violate applicable laws or third-party rights

9.2 License You Grant Us

By entering User Content, you grant us a limited, non-exclusive, royalty-free license to process, store, and display such content to you solely for the purpose of providing the Service. We will not use your User Content for other purposes without your consent.

9.3 Prohibited Content

You must not enter content that is illegal, fraudulent, defamatory, obscene, threatening, or that violates the intellectual property rights of third parties.

10. Intellectual Property

10.1 Our Property

The App, including its design, source code, features, content, logos, trademarks, and all associated intellectual property rights, is the exclusive property of Abundance Lab LLC and is protected by United States intellectual property laws and international treaties. You may not copy, modify, distribute, sell, license, or create derivative works without our prior written consent.

10.2 Your Content

You retain all ownership rights to the financial and personal data you enter into the App. By using the App, you grant us only a limited license to process your data for the purpose of providing the Service.

11. Privacy and Data Protection

11.1 Privacy Policy

Your use of the App is further governed by our Privacy Policy, available at https://www.abundancelabllc.com/privacy, which is incorporated into these Terms by reference. We recommend that you read the Privacy Policy carefully.

11.2 Data We Collect

To provide the service, we collect and process:

• Registration information (name, email, phone, etc.)
• Financial data that you enter manually or import through email synchronization
• Interactions with Zenio (queries and responses)
• Voice recordings (processed for transcription, not permanently stored in audio format)
• App usage data
• Gamification data (badges, streaks, FinScore)
• Device identifiers for trial eligibility verification

11.3 Your Rights

Depending on your jurisdiction, you may have the right to:

• Access your personal data
• Rectify inaccurate data
• Delete your data ("right to be forgotten")
• Export your data in portable format: Plus Plan users can export data in CSV format; Pro Plan users can export data in CSV and PDF formats. Export is available from the Reports section of the App
• Object to certain processing
• Withdraw your consent at any time

For users in the Dominican Republic: These rights are guaranteed under Law 172-13 on Personal Data Protection. You can exercise them by contacting us at info@juniorurena.com.do.

For users in California, USA: You have additional rights under the CCPA/CPRA, including the right to know what data we collect and the right to request its deletion.

11.4 International Transfers

Your data may be transferred and processed on servers located in the United States. By using the App, you consent to this transfer.

12. Third-Party Services

The App integrates with and depends on services provided by third parties, including but not limited to:

• OpenAI, LLC: Processing of Zenio queries and voice transcription
• Stripe, Inc.: Subscription management and payment processing
• Google LLC: Gmail synchronization and notification infrastructure (Firebase)
• Microsoft Corporation: Outlook synchronization
• Expo / React Native: App framework

Your use of these third-party services is subject to their respective terms of service and privacy policies. We recommend you review them.

Abundance Lab LLC is not responsible for the privacy practices, security, or availability of these external providers.

13. Availability, Modifications, and Discontinuation of Service

13.1 Availability

We strive to keep the App available continuously, but we do not guarantee uninterrupted availability. There may be periods of scheduled maintenance, updates, or unforeseen interruptions.

13.2 Modifications

We reserve the right to modify, update, improve, or discontinue features of the App at any time. For significant changes that affect paid features, we will make reasonable efforts to notify you in advance.

13.3 Discontinuation

If we decide to permanently discontinue the App:

• We will notify you at least thirty (30) days in advance
• We will provide the option to export your data
• We will process prorated refunds for active annual subscriptions

14. Disclaimers

14.1 "As Is" Basis

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

14.2 No Warranty

We do not guarantee that:

• The App will be uninterrupted, timely, secure, or error-free
• Results obtained from the App will be accurate, complete, or reliable
• The App will meet your specific requirements or expectations
• Any errors in the App will be corrected
• The App will be free from viruses or other harmful components

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ABUNDANCE LAB LLC, ITS DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of profits, revenue, data, use, goodwill, or other intangible losses
• Financial losses resulting from decisions made based on information from the App or Zenio
• Service interruptions, data loss, or security breaches
• Actions or omissions of third-party service providers

OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS RELATED TO THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR FIFTY DOLLARS (USD $50.00), WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless Abundance Lab LLC, its officers, directors, employees, agents, licensors, and suppliers from any claim, demand, damage, loss, cost, or expense (including reasonable attorneys' fees) arising from or related to:

• Your use of the App
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party rights
• The User Content you enter into the App

17. Modifications to Terms

We may modify these Terms at any time. We will notify you of significant changes through:

• Push notifications or within the App
• Email to your registered address
• Prominent posting on our website
• Updates to the "Last updated" date at the beginning of this document

Continued use of the App after the posting of changes constitutes your acceptance of the modified Terms. If you do not agree with the changes, you must stop using the App.

For material changes that significantly affect your rights or obligations, we will provide at least thirty (30) days' prior notice before the changes take effect.

18. Termination

18.1 Termination by You

You may cancel your account at any time by:

• The "Delete account" option in the App settings
• Contacting us at info@juniorurena.com.do

18.2 Termination by Us

We may suspend or cancel your account, with or without prior notice, if you:

• Violate these Terms
• Engage in fraudulent, illegal, or abusive activity
• Fail to pay applicable subscription fees
• Have been inactive for more than twenty-four (24) months
• Abuse the free trial program or the referral program

18.3 Effect of Termination

Upon termination of your account:

• You will lose access to the App and all its features
• Your data will be deleted in accordance with our Privacy Policy, generally within 30 days
• Sections of these Terms that by their nature should survive (limitation of liability, indemnification, governing law) will continue in effect
• No refunds will be granted for the current billing period, except as provided in Section 5.5

19. Governing Law and Jurisdiction

19.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without giving effect to principles of conflict of laws.

19.2 Jurisdiction

Subject to the arbitration clause in Section 20, any legal action related to these Terms must be brought exclusively before state or federal courts located in the State of Wyoming, and you consent to the personal jurisdiction of such courts.

19.3 International Users

If you access the App from outside the United States, you do so on your own initiative and are responsible for compliance with applicable local laws. Nothing in these Terms limits rights that may apply to you under consumer protection laws of your jurisdiction that cannot be excluded contractually.

19.4 Users in the Dominican Republic

For users located in the Dominican Republic, these Terms supplement but do not replace the rights granted by Law 172-13 on Personal Data Protection and other Dominican consumer protection laws that are mandatorily applicable.

20. Dispute Resolution

20.1 Informal Resolution First

Before initiating any formal dispute resolution proceeding, you agree to contact us at info@juniorurena.com.do to attempt to resolve the dispute informally. We will make reasonable efforts to resolve your concern within sixty (60) days.

20.2 Binding Arbitration

If we cannot resolve the dispute informally, you and Abundance Lab LLC agree to resolve any controversy, claim, or dispute through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than litigating in courts with a judge or jury.

• Arbitration will be conducted in English or Spanish, at your choice
• The seat of arbitration will be Sheridan, Wyoming, or virtually at your request
• For claims less than $10,000 USD, Abundance Lab LLC will pay all arbitration filing and administration costs. For larger claims, costs will be divided according to AAA rules for consumer disputes.
• The arbitrator's decision will be final and binding and may be enforced in any court of competent jurisdiction

20.3 Class Action Waiver

You and Abundance Lab LLC agree that any dispute will be resolved only on an individual basis. YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS, REPRESENTATIVE ACTIONS, OR CONSOLIDATED ARBITRATIONS WITH OTHER USERS.

20.4 Exceptions to Arbitration

Notwithstanding the foregoing, either party may:

• File claims in small claims courts if the dispute qualifies under the rules of such court
• Seek injunctive or emergency relief in courts to protect intellectual property rights

20.5 Right to Opt Out of Arbitration

You may opt out of this arbitration clause by sending written notice to info@juniorurena.com.do within thirty (30) days of creating your account. The notice must include:

• Your full name
• The email address associated with your account
• A clear statement that you wish to opt out of binding arbitration

If you opt out, disputes will be resolved exclusively in the courts specified in Section 19.2.

20.6 Recovery of Costs for Frivolous Claims

We reserve the right to recover arbitration costs from the user if the arbitrator determines that the claim was filed in bad faith, for harassment purposes, or is manifestly frivolous.

21. Platform-Specific Terms

21.1 Apple App Store (iOS)

If you downloaded the App from Apple's App Store, you acknowledge and agree that:

• These Terms are between you and Abundance Lab LLC only, not with Apple Inc.
• Apple has no obligation to provide maintenance or support services for the App
• Apple is not responsible for any claims related to the App, including product liability claims, failure to meet legal requirements, or consumer protection
• In the event that the App fails to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if applicable); Apple has no other warranty obligation
• Apple and its subsidiaries are third-party beneficiaries of these Terms and have the right to enforce these Terms against you

21.2 Google Play Store (Android)

If you downloaded the App from Google Play Store, the download and use of the App is additionally subject to Google Play's Terms of Service.

22. Force Majeure

We shall not be liable for delays or failures in our obligations under these Terms caused by events beyond our reasonable control, including but not limited to: natural disasters, pandemics, epidemics, acts of war or terrorism, civil unrest, government acts, widespread internet or telecommunications failures, cyberattacks, power outages, or interruptions of third-party services on which we depend.

23. General Provisions

23.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Abundance Lab LLC with respect to the use of the App, and supersede any prior agreements or understandings, oral or written.

23.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or other competent authority, such provision shall be modified to the minimum extent necessary to make it enforceable, or deleted if it cannot be modified, and the remaining provisions shall continue in full force and effect.

23.3 Waiver

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

23.4 Assignment

You may not assign or transfer these Terms or your rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction, including in the event of a merger, acquisition, or sale of assets.

23.5 No Agency Relationship

Nothing in these Terms creates an agency, partnership, joint venture, or employment relationship between you and Abundance Lab LLC.

24. Contact Information

For questions about these Terms, technical support, or to exercise your privacy rights, contact us:

ACKNOWLEDGMENT

By using FinZen AI, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy.