These Terms of Service ("Terms") govern your access to and use of HyperFX, including the HyperFX mobile application, website, and related services (collectively, the "Service"). The Service is provided by Hyper Innovations LLC ("Hyper Innovations," "we," "us," or "our").
By creating an account, purchasing a subscription, or otherwise using the Service, you agree to these Terms. If you do not agree to these Terms, do not use the Service.
1. Eligibility
You must be legally capable of entering into a binding agreement to use the Service. If you use the Service on behalf of another person or organization, you represent that you have authority to bind that person or organization to these Terms.
2. The HyperFX Service
HyperFX is a personal finance organization and budgeting tool. The Service may allow you to connect financial accounts, view transactions and balances, create budgets, identify recurring payments, create savings goals, and receive financial insights based on information available to HyperFX.
HyperFX is not a bank, credit union, lender, broker, investment adviser, financial adviser, accounting firm, tax adviser, or law firm. The Service does not provide financial, investment, tax, accounting, or legal advice.
3. Financial Account Connections
HyperFX may allow you to connect financial accounts through third-party financial data providers such as Plaid. By connecting an account, you authorize HyperFX and the applicable third-party provider to access and process information from the accounts you choose to connect for the purpose of providing the Service.
Your use of third-party account connection services may also be subject to the terms and privacy policies of those third parties and your financial institution.
4. Accuracy of Financial Information
Information displayed through HyperFX may be provided by third parties, including banks, financial institutions, and financial data providers. We do not guarantee that balances, transactions, merchant information, transaction categories, recurring-payment detections, spending totals, projections, alerts, or other financial information will always be accurate, complete, current, or error-free.
You are responsible for verifying important financial information directly with your bank, financial institution, merchant, or other authoritative source before making financial decisions.
5. Your Account
You are responsible for maintaining the confidentiality and security of your account credentials and for activity that occurs through your account. You agree to provide accurate account information and to notify us promptly if you believe your account has been compromised or used without authorization.
6. Acceptable Use
You agree not to:
- Use the Service for unlawful, fraudulent, or abusive purposes.
- Attempt to gain unauthorized access to the Service or another user's account.
- Interfere with or disrupt the operation or security of the Service.
- Reverse engineer, copy, or exploit the Service except where applicable law permits it.
- Use automated systems to access the Service in a manner that places an unreasonable burden on our systems.
- Provide false information or impersonate another person.
7. Subscriptions and Billing
Some HyperFX features may require a paid subscription. Subscription pricing, billing frequency, free-trial terms, and renewal information will be displayed before purchase.
Purchases made through Apple's App Store are processed by Apple and are subject to Apple's applicable payment and subscription terms. Unless otherwise stated by the applicable platform, subscriptions automatically renew until canceled.
You are responsible for canceling your subscription through the platform through which you purchased it. Deleting your HyperFX account or uninstalling the application does not necessarily cancel an active subscription.
8. Third-Party Services
HyperFX relies on third-party products and services to provide certain functionality. These may include financial data providers, payment and subscription platforms, authentication providers, cloud infrastructure providers, and other technology vendors.
We are not responsible for outages, errors, data delays, or other problems caused by third-party services that are outside our reasonable control.
9. Intellectual Property
HyperFX, including its software, branding, logos, design, text, graphics, and other content provided by Hyper Innovations, is owned by or licensed to Hyper Innovations LLC and is protected by applicable intellectual property laws.
These Terms grant you a limited, personal, non-exclusive, non-transferable, revocable right to use the Service for its intended purpose. No ownership rights are transferred to you.
10. Service Availability and Changes
We may modify, update, suspend, or discontinue features of the Service from time to time. We do not guarantee that the Service will always be available, uninterrupted, secure, or error-free.
11. No Financial Advice
HyperFX provides tools and information intended to help users organize and better understand their finances. Nothing provided through the Service constitutes a recommendation or advice regarding investments, securities, taxes, credit, loans, insurance, legal matters, or any other financial decision.
You remain solely responsible for your financial decisions and should consult a qualified professional when appropriate.
12. Disclaimer of Warranties
To the maximum extent permitted by law, the Service is provided "as is" and "as available." Hyper Innovations disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, and availability.
We do not warrant that HyperFX will identify every recurring payment, prevent overdrafts, detect every unwanted charge, save you money, improve your credit, achieve a particular financial result, or provide error-free financial information.
13. Limitation of Liability
To the maximum extent permitted by law, Hyper Innovations LLC and its owners, officers, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, loss of goodwill, or other intangible losses arising out of or relating to your use of or inability to use the Service.
To the maximum extent permitted by law, the total aggregate liability of Hyper Innovations LLC for claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid to Hyper Innovations for the Service during the twelve months immediately preceding the event giving rise to the claim or (b) one hundred U.S. dollars ($100).
Some jurisdictions do not allow certain exclusions or limitations of liability, so some of the limitations above may not apply to you.
14. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Hyper Innovations LLC and its owners, officers, employees, contractors, and affiliates from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful misuse of the Service, your violation of these Terms, or your violation of another person's rights.
15. Termination
You may stop using HyperFX at any time. We may suspend or terminate access to the Service if you materially violate these Terms, misuse the Service, create a security risk, or if we are required to do so by law.
Provisions that by their nature should survive termination, including intellectual property, warranty disclaimers, limitations of liability, and dispute provisions, will survive termination.
16. Governing Law
These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles, except where applicable consumer protection law requires otherwise.
Subject to any rights you may have under applicable law, disputes arising from these Terms or the Service will be brought in a state or federal court with jurisdiction in Arizona.
17. Changes to These Terms
We may update these Terms from time to time. When we make material changes, we will update the effective date and provide notice when required by applicable law. Your continued use of the Service after updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by law.
18. Contact Us
If you have questions about these Terms, contact:
Hyper Innovations LLC
Email: [CONTACT EMAIL]