Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TableWealth Platform Inc. ("Tablewealth," "we," "us," or "our") governing your access to and use of the Tablewealth platform, website, mobile applications, APIs, and related services (collectively, the "Services").

By creating an account, accessing, or using any part of our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.

Tablewealth provides a financial data aggregation and interface platform that allows you to:

• Connect and sync financial accounts from thousands of institutions
• View and track net worth, investments, and multi-asset portfolios
• Export live financial data to spreadsheets and custom dashboards
• Access our Developer API to build custom financial applications
• Use AI to generate interfaces without exposing financial data to AI systems

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time with reasonable notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of Services.

To access most features, you must create an account. You are responsible for:

• Providing accurate, current, and complete information during registration
• Maintaining the confidentiality of your credentials
• All activity that occurs under your account
• Notifying us immediately of any unauthorized access or security breach

You may not share your account credentials with others or create accounts on behalf of other individuals without their consent. Accounts are for single users unless you are enrolled in a family or team plan.

Tablewealth connects to your financial institutions through licensed data aggregation partners. By authorizing these connections, you:

• Grant us permission to retrieve financial data on your behalf
• Acknowledge that we act as your data agent, not a financial advisor
• Understand that data accuracy depends on third-party institution feeds
• Agree that we are not responsible for errors originating at the institution level

Tablewealth does not sell, rent, or transfer your financial data to advertisers or marketing platforms. Your financial data is stored in an isolated, encrypted vault and is never processed by AI systems. See our Privacy Policy for full details on data handling.

Tablewealth is a software platform for organizing, viewing, syncing, and exporting financial data. Tablewealth is not a registered investment adviser, broker-dealer, tax adviser, accounting firm, or law firm.

The Services, including website content, application content, dashboards, spreadsheets, calculations, projections, alerts, AI-generated outputs, and other materials, are provided for informational and organizational purposes only. They are not financial, investment, tax, accounting, legal, or other professional advice, and they should not be treated as a recommendation to buy, sell, hold, or otherwise transact in any asset.

You are responsible for your own financial decisions. Before making investment, tax, legal, or other financial decisions, consult a qualified financial advisor or other appropriate professional who understands your circumstances.

Tablewealth offers a free tier and paid plans. For paid subscriptions:

• Billing occurs at the rate stated at time of purchase
• Subscriptions auto-renew unless cancelled before the renewal date
• All purchases and subscription payments are final and non-refundable
• We do not provide refunds or credits for partial subscription periods, unused features, downgrades, or cancellations
• We reserve the right to change prices at any time

All prices are listed in USD. Applicable taxes may be added at checkout based on your jurisdiction.

You agree not to use the Services to:

• Violate any applicable law, regulation, contract, or third-party right
• Attempt to access accounts, data, systems, or networks without authorization
• Interfere with, disrupt, or place unreasonable load on the Services
• Reverse engineer, scrape, or harvest data from the Services except through documented APIs
• Upload malicious code or use the Services to distribute harmful content
• Misrepresent your identity, organization, or authority to connect financial accounts

We may investigate suspected misuse and take action we believe is reasonably necessary to protect users, partners, and the integrity of the Services.

The Tablewealth platform, branding, software, designs, documentation, and related materials are owned by Tablewealth or its licensors and are protected by intellectual property laws.

You retain ownership of your financial data and content you provide to the Services. You grant us the limited rights needed to operate, secure, improve, and provide the Services to you.

You may not copy, modify, distribute, sell, or lease any part of the Services unless we expressly authorize that use in writing.

The Services are provided on an "as is" and "as available" basis. We do not guarantee that financial data, calculations, alerts, or integrations will be uninterrupted, error-free, or complete.

To the fullest extent permitted by law, Tablewealth will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill.

Nothing in these Terms limits liability that cannot be limited under applicable law.

You may terminate your account at any time through your account settings. Upon termination, your access to the Services will cease and your data will be deleted in accordance with our data retention policy.

We reserve the right to suspend or terminate your account without notice if you violate these Terms, engage in fraudulent behavior, or if required by law.

We may update these Terms from time to time. When we make material changes, we will notify you by email and display a notice in the platform at least 14 days before the changes take effect.

Your continued use of the Services after the effective date of updated Terms constitutes acceptance of those changes.