^{Last Reviewed: January 2025}

These Terms of Use (“Terms”) are between you and Felipa Finance INC and its subsidiaries (“Felipa.io,” “we,” “us,” or “our”). Felipa Finance INC is a registered company incorporated in Delaware. These Terms govern your use of our website available at felipa.io (“Site”), and the products and services provided by Felipa as outlined below (collectively, the “Services”). By accessing or using the Site or any Service, you agree to be bound by these Terms. If you do not agree, you may not use the Services.
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1. Registration and Eligibility

‍1.1 Registration

‍To use the Services, you must register for a Felipa.io account by providing your full name, email, phone number, and date of birth. Registration is subject to approval, and we reserve the right to decline any registration request at our sole discretion.

1.2 Eligibility

‍To use the Services, you must:
1. Be a legal resident of the United States.
2. Be at least 18 years old.
3. Not be prohibited by law from using the Services.

‍1.3 Accuracy of Information

‍You are responsible for providing accurate, complete, and up-to-date information and for updating it promptly in the event of changes.

‍2. Use of Services

‍The Services are for personal, non-commercial use only. Prohibited activities include but are not limited to:
1. Engaging in fraudulent activities.
2. Sharing or distributing confidential data.
3. Violating applicable laws or regulations.We reserve the right to suspend or terminate accounts that breach these terms.

‍3. Services Overview

‍Felipa.io provides the following:
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•Free Services:
• Psychological support.
• Basic financial analysis reports.
• 4 tailored financial recommendations based on your goals
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‍Third-Party Integrations

‍Our services utilize:

1. Plaid API for bank account integration
2. OpenAI API for data analysis and insights.

4. Payment and Subscriptions
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4.1 Subscription Fees
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Free service as of now. ‍

5. Data Collection and Privacy‍

‍5.1 Data Collected

‍We collect personal and financial data to provide and improve our services.

‍5.2 Data Sharing

‍Data may be shared with third-party services like OpenAI to enhance functionality.

‍5.3 Data Protection

‍Felipa.io complies with applicable privacy laws, including GDPR and CCPA, to safeguard user data.

‍6. Changes to the Services and Terms

‍Felipa.io reserves the right to amend the Services or these Terms at any time. Material changes will be communicated via email or through updates to the Site. Continued use of the Services after changes constitutes acceptance.

‍7. Dispute Resolution

‍At this time, Felipa.io does not include arbitration clauses or specific dispute resolution mechanisms.

8. Termination
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• User Termination: You may terminate your account at any time.
• Felipa.io Termination Rights: We may terminate or suspend accounts without prior notice for violations of these Terms.

‍9. Liability Disclaimer

‍Felipa.io is not liable for:
1. Third-party inaccuracies or failures.
2. Losses due to user-provided incorrect data.
3. Unauthorized access due to user negligence.

‍10. Contact Information

‍For complaints, inquiries, or assistance, you can reach us at:

• Email: contact@felipa.io
• Alternate Email: admin@felipa.io
By accessing or using Felipa.io, you confirm that you have read, understood, and agreed to these Terms and Conditions.

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