1. Acceptance of Terms

By accessing or using AllocateKit ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Service Description

AllocateKit is a portfolio allocation tool designed for financial advisors. The Service provides:

• Tax-optimized asset allocation recommendations
• Support for 18+ retirement and investment account types
• Automated report generation (PDF and PowerPoint)
• Screenshot-based portfolio import using AI-powered OCR

Important: AllocateKit is a tool for financial professionals. The Service does not provide financial advice, and all recommendations must be reviewed by a qualified financial advisor before being presented to clients.

3. Data Processing and Privacy

3.1 Data Storage

Your data is stored on Supabase, a SOC 2 Type II certified infrastructure provider. We implement industry-standard security measures including:

• HTTPS encryption for all data transmission
• Database encryption at rest
• Row-level security policies
• Regular security audits

3.2 Screenshot Processing

When you upload screenshots for portfolio import:

• Images are processed using Google Gemini AI for OCR and data extraction
• Screenshots are processed in-memory and are not permanently stored
• Extracted account data (names and balances) is stored in your user account
• Google does not use your data to train AI models under our agreement

3.3 Data Retention

You may delete your account and all associated data at any time. Upon deletion, all your portfolio data, recommendations, and account information will be permanently removed from our systems within 30 days.

4. User Responsibilities

You agree to:

• Use the Service only for lawful purposes and in accordance with these Terms
• Maintain the confidentiality of your account credentials
• Review all recommendations before presenting them to clients
• Ensure you have appropriate licenses and qualifications as a financial advisor
• Not share client data without proper authorization
• Not use the Service to provide direct financial advice without appropriate oversight

5. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE MAKE NO GUARANTEES REGARDING:

• The accuracy of tax optimization recommendations
• Suitability of allocations for specific client situations
• OCR accuracy when processing screenshots
• Uninterrupted or error-free operation

You are solely responsible for verifying all data and recommendations before use with clients.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALLOCATEKIT SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Damages arising from your use or inability to use the Service
• Financial losses incurred by you or your clients based on Service recommendations

Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

7. Pricing and Billing

7.1 Subscription Plans

• Free: 5 recommendations per month, limited features
• Pro ($100/month): Unlimited recommendations, all features, priority support
• Enterprise: Custom pricing, white-label options, dedicated support

7.2 Billing Terms

Subscription fees are billed monthly in advance. You may cancel at any time, but no refunds will be provided for partial months. Upon cancellation, you will retain access until the end of your current billing period.

7.3 Price Changes

We reserve the right to modify pricing with 30 days' notice to existing subscribers. Continued use of the Service after price changes constitutes acceptance of the new pricing.

8. Intellectual Property

AllocateKit and all related trademarks, logos, and content are owned by us. You may not:

• Copy, modify, or distribute our software or content
• Reverse engineer or attempt to extract source code
• Remove any proprietary notices or branding

You retain ownership of all data you input into the Service. We claim no ownership over your portfolio data or client information.

9. Compliance and Regulatory Considerations

As a financial professional, you are responsible for:

• Maintaining appropriate licensure (Series 65, CFP®, etc.)
• Compliance with SEC, FINRA, and state regulations
• Ensuring recommendations meet your fiduciary duty
• Maintaining proper documentation and audit trails
• Adhering to your firm's compliance policies

AllocateKit is a tool to assist in your practice. It does not replace your professional judgment or regulatory obligations.

10. Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted access. Scheduled maintenance will be announced in advance when possible. We are not liable for service interruptions beyond our reasonable control.

11. Termination

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

• Violate these Terms of Service
• Engage in fraudulent activity
• Fail to pay subscription fees
• Use the Service in a manner that harms us or other users

You may terminate your account at any time through the account settings.

12. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated via email at least 30 days before taking effect. Continued use of the Service after changes constitutes acceptance of the modified Terms.

13. Governing Law

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict of law provisions. Any disputes shall be resolved through binding arbitration in Delaware.

14. Contact Information

For questions about these Terms, contact us at:

Email: legal@allocatekit.com