finsavvy teen Terms of Service

Terms of Service (ToS)

Last Updated: 1st December, 2025
Provided by: Ingiti LLC (“we,” “our,” “us”)

These Terms of Service (“Terms”) govern your access to and use of our mobile application, website, and related services (“App”). By using the App, you agree to these Terms. If you do not agree, do not use the App.

1. Eligibility

There is no age restriction for using the App.
However, users under the age of 13 should use the App with parental or guardian consent, as required under applicable laws.

2. Account Registration

To use certain features, you must create an account by providing:

  • First name
  • Last name
  • Email address
  • Password

You agree to:

  • Provide accurate information
  • Maintain the confidentiality of your password
  • Be responsible for all activity under your account

We reserve the right to suspend or delete accounts that violate these Terms.

3. Acceptable Use

You agree not to:

  • Use the App for unlawful, harmful, fraudulent, or malicious purposes
  • Submit inappropriate, abusive, or offensive content
  • Attempt to gain unauthorized access to the App or servers
  • Reverse-engineer, decompile, or modify the App
  • Use the App to distribute spam or harmful content
  • Impersonate any person or misrepresent your identity

We may remove user-generated content or disable accounts that violate these rules.

4. User Content

The App allows you to submit comments, responses, and other content (“User Content”).

By submitting content, you grant Ingiti LLC a non-exclusive, worldwide, royalty-free license to:

  • Store
  • Display
  • Use
  • Improve
  • Analyze

your content solely for operating and improving the App.

We do not sell your User Content or share it with third parties for advertising.

You are responsible for ensuring your content does not violate any laws or rights of others.

5. Payments and Subscriptions

Paid features or subscriptions within the App may be processed using third-party service providersor the app store’s billing system.

You agree that:

  • All purchase information is accurate
  • Third-party service provider or the App Store provider handles the payment securely
  • Ingiti LLC does not store your credit or debit card details
  • All purchases are non-refundable unless required by law

If using Apple or Google billing, refunds follow their policies, not ours.

6. AI-Generated Content

This App uses AI technology to provide interactive features.

You understand and agree that:

  • AI responses may not always be accurate
  • AI output should not be considered professional financial, legal, medical, or investment advice
  • You must review and verify any advice before acting on it

We are not liable for any actions you take based on AI-generated content.

7. Privacy

Your use of the App is governed by our Privacy Policy, which explains:

  • What data we collect
  • How it is used
  • How it is stored
  • Your rights

You must review the Privacy Policy located at:
[Insert Privacy Policy URL]

8. Data Storage & Security

All data, including account information and user content, is stored on servers of third-party service providers.

While we use reasonable safeguards to protect your data, no digital storage method is completely secure.
You use the App at your own risk.

9. Account Termination

We may suspend or terminate your account if:

  • You violate these Terms
  • You misuse App features
  • Your behavior harms the App, users, or our systems

You may stop using the App at any time.

At this time, data deletion is not available, and stored data cannot be removed upon account closure.

10. Intellectual Property

All App content—including text, graphics, design, UI, videos, images, trademarks, and logos—is owned by Ingiti LLC or licensed to us.

You may not copy, modify, distribute, or reproduce App content without permission.

11. Third-Party Services

The App integrates with third-party service providers to process payments, support AI-powered features, and provide essential app functionality. These providers only use your data to perform services on our behalf.

Use of these services is governed by their own terms and privacy policies.

We are not responsible for their actions or performance.

12. Disclaimer of Warranties

The App is provided “as is” and “as available” without warranties of any kind.

We do not guarantee:

  • Uninterrupted or error-free operation
  • Accurate, complete, or reliable information
  • That issues will always be corrected

Your use is at your own risk.

13. Limitation of Liability

To the maximum extent permitted by law, Ingiti LLC is not liable for:

  • Losses resulting from reliance on App content or AI responses
  • Financial loss, data loss, or business interruption
  • Any indirect, incidental, special, or consequential damages

Our maximum liability to you will not exceed the amount you paid to use the App in the last 12 months.

If you use the App for free, our liability is zero.

14. Indemnification

You agree to indemnify and hold harmless Ingiti LLC from any claims, damages, liabilities, or expenses arising from:

  • Your use of the App
  • Your User Content
  • Your violation of these Terms

15. Changes to These Terms

We may update or modify these Terms at any time.
The “Last Updated” date will be revised accordingly.

Your continued use of the App means you accept the revised Terms.

16. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict of law principles.

Any disputes must be resolved in courts located in Ohio, USA.

17. Contact Us

If you have any questions about these Terms, contact us at:

Ingiti LLC
Email: support@ingiti.com