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Terms & Conditions
1. Introduction
These Terms and Conditions ("Terms") govern your access to and use of our platform, services, and any related applications ("Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must not use our Services.
2. Use of Services
You must be at least 18 years old to use our Services.
You agree to use our Services only for lawful purposes and in compliance with all applicable laws and regulations.
You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.
3. Data Collection and Privacy
By using Investrio, you consent to our collection, processing, and storage of your data in accordance with our Privacy Policy.
We do not sell consumer data retrieved from the Plaid API.
We only collect the necessary financial data required to provide our Services and improve user experience.
You have the right to withdraw consent and request data deletion at any time (see Section 7).
4. Integration with Plaid API
Our platform integrates with Plaid to securely access financial information.
Plaid’s services are governed by their own Terms of Service and Privacy Policy.
You acknowledge that by linking your financial accounts, you authorize Plaid and Investrio to retrieve and process your financial data securely.
5. Security and Data Protection
We use industry-standard encryption (AES-256) and secure communication protocols (TLS 1.2+) to protect your data.
We implement role-based access controls (RBAC) and multi-factor authentication (MFA) to prevent unauthorized access.
We monitor for security incidents and will notify you in compliance with applicable laws in the event of a breach.
6. Third-Party Services and Links
Investrio may include links to third-party websites or services.
We are not responsible for the content, policies, or practices of any third-party services.
Your interactions with third-party services are at your own risk.
7. Data Deletion and Retention
You may request the deletion of your account and personal data by contacting our support team at hello@investrio.io.
Upon receiving a verified request, we will delete your data from our systems within 30 days, except where retention is required for legal or compliance purposes.
Aggregated and anonymized data may be retained for business and analytical purposes.
8. Disclaimer of Warranties
Our Services are provided on an "as-is" and "as-available" basis without warranties of any kind.
We do not guarantee the accuracy, reliability, or completeness of financial data retrieved from third-party services.
You acknowledge that financial decisions made based on our Services are at your own risk.
9. Limitation of Liability
In no event shall Investrio, its affiliates, or employees be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our Services.
Our total liability to you for any claims arising out of or related to these Terms shall not exceed the amount you have paid, if any, for accessing our Services.
10. Changes to These Terms
We reserve the right to update or modify these Terms at any time.
Changes will be effective upon posting the revised Terms on our website.
Continued use of our Services after changes constitute acceptance of the new Terms.
11. Governing Law and Dispute Resolution
Governing Law: These Terms shall be governed by and interpreted under the laws of the State of Delaware, without regard to its conflict of law principles.
Dispute Resolution: Any disputes arising under these Terms shall be resolved through binding arbitration in New York, New York, in accordance with the rules of the American Arbitration Association (AAA).
Each party shall bear its own costs unless otherwise determined by the arbitrator.
12. Contact Information
If you have any questions about these Terms, please contact us at hello@investrio.io.
Effective Date: March 11, 2025
Last Updated: March 11, 2025
These Terms and Conditions ("Terms") govern your access to and use of our platform, services, and any related applications ("Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must not use our Services.
2. Use of Services
You must be at least 18 years old to use our Services.
You agree to use our Services only for lawful purposes and in compliance with all applicable laws and regulations.
You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.
3. Data Collection and Privacy
By using Investrio, you consent to our collection, processing, and storage of your data in accordance with our Privacy Policy.
We do not sell consumer data retrieved from the Plaid API.
We only collect the necessary financial data required to provide our Services and improve user experience.
You have the right to withdraw consent and request data deletion at any time (see Section 7).
4. Integration with Plaid API
Our platform integrates with Plaid to securely access financial information.
Plaid’s services are governed by their own Terms of Service and Privacy Policy.
You acknowledge that by linking your financial accounts, you authorize Plaid and Investrio to retrieve and process your financial data securely.
5. Security and Data Protection
We use industry-standard encryption (AES-256) and secure communication protocols (TLS 1.2+) to protect your data.
We implement role-based access controls (RBAC) and multi-factor authentication (MFA) to prevent unauthorized access.
We monitor for security incidents and will notify you in compliance with applicable laws in the event of a breach.
6. Third-Party Services and Links
Investrio may include links to third-party websites or services.
We are not responsible for the content, policies, or practices of any third-party services.
Your interactions with third-party services are at your own risk.
7. Data Deletion and Retention
You may request the deletion of your account and personal data by contacting our support team at hello@investrio.io.
Upon receiving a verified request, we will delete your data from our systems within 30 days, except where retention is required for legal or compliance purposes.
Aggregated and anonymized data may be retained for business and analytical purposes.
8. Disclaimer of Warranties
Our Services are provided on an "as-is" and "as-available" basis without warranties of any kind.
We do not guarantee the accuracy, reliability, or completeness of financial data retrieved from third-party services.
You acknowledge that financial decisions made based on our Services are at your own risk.
9. Limitation of Liability
In no event shall Investrio, its affiliates, or employees be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our Services.
Our total liability to you for any claims arising out of or related to these Terms shall not exceed the amount you have paid, if any, for accessing our Services.
10. Changes to These Terms
We reserve the right to update or modify these Terms at any time.
Changes will be effective upon posting the revised Terms on our website.
Continued use of our Services after changes constitute acceptance of the new Terms.
11. Governing Law and Dispute Resolution
Governing Law: These Terms shall be governed by and interpreted under the laws of the State of Delaware, without regard to its conflict of law principles.
Dispute Resolution: Any disputes arising under these Terms shall be resolved through binding arbitration in New York, New York, in accordance with the rules of the American Arbitration Association (AAA).
Each party shall bear its own costs unless otherwise determined by the arbitrator.
12. Contact Information
If you have any questions about these Terms, please contact us at hello@investrio.io.
Effective Date: March 11, 2025
Last Updated: March 11, 2025
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