Terms and Conditions of Use

3.1 Nature of Services

Perry AI is an AI-powered platform that provides:

• Financial health assessments through structured questionnaires
• AI-generated financial insights and analysis
• Educational content and resources related to personal finance
• PDF reports containing personalized financial information
• Financial literacy tools and learning resources

3.2 Service Limitations

3.3 Service Availability

• We strive to maintain continuous availability of our Services but do not guarantee uninterrupted access
• We reserve the right to modify, suspend, or discontinue any part of the Services at any time
• We may impose limits on certain features or restrict access to parts or all of the Services without notice or liability
• Technical problems or maintenance may temporarily interrupt the Services
• Access may be unavailable due to factors beyond our control

4.1 Eligibility Requirements

By using the Services, you represent and warrant that you:

• Are at least 18 years of age
• Have the legal capacity to enter into these Terms and form a binding contract
• Are not barred from using the Services under applicable laws
• Will only use the Services for lawful purposes
• Will provide accurate and complete information to us

4.2 Account Creation and Security

When creating and maintaining an account:

• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your account credentials
• You must immediately notify us of any unauthorized use of your account
• You are responsible for all activities that occur under your account
• We reserve the right to suspend or terminate accounts that provide false information
• One person may not maintain multiple accounts without our express permission

4.3 Account Restrictions

• You may not share your account credentials with any third party
• You may not transfer or sell your account to another person
• You may not use another person's account without permission
• We reserve the right to refuse service to anyone for any reason
• We may terminate accounts that engage in unauthorized or suspicious activity

5.1 General Obligations

When using our Services, you agree to:

• Provide accurate, truthful, and complete information
• Use the Services only for personal, non-commercial purposes
• Maintain the security of your account
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of others
• Not interfere with the proper functioning of the Services

5.2 Prohibited Activities

You agree not to:

• Use the Services for any illegal or unauthorized purpose
• Create multiple accounts or accounts on behalf of others
• Attempt to bypass any security measures
• Reverse engineer or decompile any part of the Services
• Use automated systems or bots to access the Services
• Collect or harvest user information without consent
• Upload viruses or malicious code
• Interfere with or disrupt the Services
• Impersonate any person or entity

6.1 Our Intellectual Property

All rights, title, and interest in and to the Services, including all content, features, and functionality, are owned by StackSpace or its licensors and are protected by intellectual property laws. This includes but is not limited to:

• Software code and algorithms
• User interface designs
• Text and graphics
• Logos and trademarks
• AI models and analysis methods
• Financial assessment frameworks

6.2 Limited License to Users

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to:

• Access and use the Services for personal use
• Download and use our mobile application
• View and download permitted content
• Use AI-generated insights for personal purposes

7.1 Pricing and Payment

• All prices are listed in USD or PHP based on your location
• Prices are subject to change with notice
• Payments are processed through secure third-party providers
• You agree to provide accurate billing information
• Taxes may be added where applicable

7.2 Subscription Terms

• Subscriptions automatically renew unless cancelled
• You can cancel at any time through your account settings
• No refunds for partial subscription periods
• Some features may require a paid subscription
• Trial periods may be offered at our discretion

7.3 Refund Policy

• All purchases are final and non-refundable
• Exceptions may be made at our sole discretion
• Technical issues will be addressed on a case-by-case basis
• Refund requests must be submitted within 48 hours of purchase

8.1 Data Collection and Use

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to:

• Collection of personal and financial information
• Processing of data for service improvement
• Use of data for personalized insights
• Storage of information on secure servers
• Sharing of data with authorized service providers

8.2 Data Security

• We implement industry-standard security measures
• Data is encrypted during transmission and storage
• Regular security assessments are conducted
• Access controls are strictly maintained
• Incident response procedures are in place

9.1 Content License

• You retain ownership of your User Content
• You grant us a worldwide, non-exclusive, royalty-free license to use, copy, modify, and display User Content for providing and improving the Services
• This license continues even if you stop using our Services
• You represent that you have all necessary rights to grant this license

9.2 Content Restrictions

You agree not to submit content that:

• Infringes any intellectual property rights
• Contains harmful or malicious code
• Is unlawful, defamatory, or fraudulent
• Violates any applicable laws or regulations
• Contains personal information of others without authorization

10.1 Termination by Us

• We may suspend or terminate your access at any time for any reason
• Immediate termination may occur for Terms violations
• We may deny service to anyone at our discretion
• You may not be entitled to refunds upon termination

10.2 Effect of Termination

• Access to Services will immediately cease
• Previously downloaded content may no longer function
• Certain Terms provisions survive termination
• We may retain your data as required by law

11.1 Disclaimers

11.2 Limitation of Liability

12.1 Governing Law

These Terms are governed by the laws of the jurisdiction in which you reside, without regard to its conflict of law principles.

12.2 Dispute Resolution Process

• Informal resolution attempt required first
• Notice of dispute must be sent in writing
• 30-day cooling off period before legal action
• All disputes must be resolved individually
• No class actions permitted