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Terms and Conditions ("Terms")

Last Updated: January 2025

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Welcome to My Plan Keeper™! These Terms and Conditions ("Terms") govern your access to and use of our website, services, and application (collectively, the "Services"). By using our Services, you agree to be bound by these Terms. If you do not agree, please refrain from using our Services.

1. Overview of Our Services

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My Plan Keeper, Inc. (doing business as MyPlanKeeper.ai) ("MPKAI," "we," "our," or "us") provides financial management tools and AI-powered recommendations. These Terms apply to:

  1. The website hosted on Wix (https://www.myplankeeper.ai and https://www.myplankeeper.com).

  2. The software and services hosted on Azure accessed via user accounts.

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2. Changes to These Terms

We may update these Terms periodically to improve our Services or for legal compliance. Any changes will be posted on our website, and we will notify you via email or in-app notifications. Continuing to use the Services after updates means you accept the revised Terms.

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3. Account Creation and Responsibilities

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To access certain features of the Services, you must create an account. By doing so, you agree to the following terms:

Eligibility

  • You must be at least 18 years old to create an account and use the Services.

  • If you are under 18 years old, you may only create an account with verifiable parental or guardian consent.

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Account Information

  • You agree to provide accurate, current, and complete information during registration and to keep your account details updated.

  • If your information changes (e.g., email, contact information), you must update your account promptly.

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Security and Account Access

  • You are responsible for maintaining the confidentiality of your login credentials and for restricting access to your account.

  • Notify us immediately at info@myplankeeper.com if you suspect unauthorized access or any breach of security.

  • You agree to accept responsibility for all activities that occur under your account unless such activities result from our negligence or failure to secure our platform.

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Legal Capacity

  • By creating an account, you confirm that you are of sound mind, capable of entering into a legally binding agreement, and acting of your own free will.

  • If you are creating an account on behalf of another person (e.g., an elderly family member), you confirm that you have legal authorization to act as their representative and accept these Terms on their behalf.

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Account Suspension or Termination

We reserve the right to suspend or terminate your account if:

  1. You provide false or misleading information.

  2. You violate these Terms or engage in conduct that harms our Services, infrastructure, or other users.

  3. We are required to do so by law or regulatory authorities.

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4. Use of Services

You agree to:

  • Use the Services for lawful purposes only.

  • Not engage in any activity that could harm or interfere with the Services, other users, or our infrastructure.

You must not:

  • Reproduce, copy, or redistribute any part of the Services without our explicit consent.

  • Attempt to reverse-engineer, tamper with, or bypass security features of the Services.

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5. Payment Terms

  • Payment Processing: Payments for subscriptions or services are processed securely via Stripe. Your payment information is not stored directly by us.

  • Refund Policy: Refund requests will be reviewed individually.

  • Subscription Renewals: If applicable, subscriptions renew automatically unless canceled before the next billing cycle.

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6. Intellectual Property

  • All content, trademarks (including My Plan Keeper™), logos, and related materials are owned by My Plan Keeper™, Inc. or its licensors.

  • You may not use, reproduce, or distribute any intellectual property without prior written consent.

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7. AI-Powered Services and Disclaimer

Our services include AI-powered features (e.g., personalized financial recommendations). By using these features, you acknowledge:

  • AI-generated insights are provided for informational purposes and are not a substitute for professional financial advice.

  • We are not responsible for any decisions made based on AI-generated outputs.

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8. Third-Party Services

Our Services may integrate third-party tools (such as Plaid for financial data and Stripe for payment processing). By using these services, you agree to their respective terms and privacy policies.

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9. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for any indirect, incidental, or consequential damages arising from the use of the Services.

  • Our total liability for claims related to the Services is limited to the amount you paid for the Services in the past 12 months.

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10. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or the Services will be resolved exclusively in the courts located in Broward County, Florida.

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11. Beta & Early Adopters Program Disclaimer

Our platform may be in a Beta and early adopters phase, meaning certain features may not be fully functional or stable. You agree to use the Beta version at your own risk and provide feedback to help us improve the service.

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12. Termination of Services

We may suspend or terminate your access if you violate these Terms or if required by law. Upon termination, you will lose access to your account and data stored in the system.

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13. Contact Information

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If you have any questions about these Terms or our Services, please contact us at:
Email: info@myplankeeper.com


Phone: +1 (954)-466-8838
Mail: 261 N University Dr S-500, Sunrise FL 33324

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By continuing to use My Plan Keeper™, you acknowledge that you have read, understood, and agree to these Terms.

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