Last updated: December 9, 2024
By accessing or using Figu's personal finance management application and related services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Service.
These Terms constitute a legally binding agreement between you and Figu ("Company," "we," "us," or "our"). We may update these Terms from time to time, and your continued use of the Service constitutes acceptance of any changes.
Figu provides an AI-powered personal finance management platform that helps users:
Development Status: The Service is currently under development. Features and functionality may change, and some services may be temporarily unavailable during development phases.
To use our Service, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account information.
You may use our Service only for lawful purposes and in accordance with these Terms. The Service is intended for personal, non-commercial use for managing your own financial information.
You agree not to:
Our Service may allow you to connect your bank accounts and financial institutions to automatically import transaction data. By linking your accounts, you authorize us to:
While we strive to provide accurate financial data and insights, we cannot guarantee the accuracy, completeness, or timeliness of all information. You are responsible for verifying the accuracy of your financial data and should not rely solely on our Service for financial decisions.
We use third-party services to connect to your financial institutions. These connections are subject to the terms and conditions of those third-party providers. We are not responsible for the availability, accuracy, or security of third-party services.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
You have the right to request deletion of your personal data at any time. Upon receiving a valid deletion request, we will:
Some data may be retained for legal compliance, fraud prevention, or legitimate business purposes as outlined in our Privacy Policy.
The Service and all content, features, and functionality are owned by Figu and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our written permission.
You retain ownership of any content you provide to the Service. By using the Service, you grant us a limited, non-exclusive license to use your content solely for providing and improving our services.
During the development phase, access to the Service may be provided free of charge. Upon official launch, we may introduce subscription fees or other charges. Any fees will be clearly communicated before implementation.
When fees are introduced, payments will be processed through secure third-party payment processors. You agree to provide accurate payment information and authorize us to charge applicable fees to your chosen payment method.
Refund policies will be established and communicated when paid services are introduced. Generally, fees are non-refundable except as required by applicable law or our specific refund policy.
IMPORTANT: The Service is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, express or implied, including:
Our Service provides informational content and analysis tools but does not constitute financial, investment, tax, or legal advice. You should consult with qualified professionals before making financial decisions based on information from our Service.
To the maximum extent permitted by law, Figu shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of the Service.
You agree to indemnify, defend, and hold harmless Figu and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.
You may terminate your account at any time by contacting us or using the account deletion feature in the Service. Upon termination, your right to use the Service will cease immediately.
We may terminate or suspend your account immediately, without prior notice, if you violate these Terms or engage in conduct that we determine is harmful to the Service or other users.
Upon termination, we will delete your account and personal data in accordance with our Privacy Policy, except where retention is required by law or for legitimate business purposes.
These Terms are governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles.
Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration in accordance with the rules of [Arbitration Organization]. You waive any right to participate in class action lawsuits or class-wide arbitration.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Figu regarding the Service and supersede all prior agreements and understandings.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction.
If you have any questions about these Terms of Service, please contact us: