Terms of Service

1. Acceptance of Terms

By accessing or using Newarizona's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

These terms apply to all users of the service, including without limitation users who are browsers, vendors, customers, merchants, and contributors of content.

2. Description of Service

Newarizona provides a machine learning-powered personal finance platform that:

• Analyzes and classifies your financial transactions
• Provides insights into your spending patterns and cash flows
• Offers predictive forecasting for budget planning
• Delivers real-time financial data visualization

Important Disclaimer: Newarizona is a data analysis tool and does not provide financial advice, investment recommendations, or financial planning services. All insights and forecasts are for informational purposes only.

Users should not rely solely on our analysis for financial decisions and should consider consulting with qualified financial professionals for personalized advice.

3. User Accounts and Responsibilities

To use our services, you must:

• Be at least 18 years old or have parental consent
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use the service only for lawful purposes

You are responsible for all activities that occur under your account and for maintaining the confidentiality of your login credentials.

4. Financial Data and Bank Connections

When you connect your financial accounts to Newarizona:

• You authorize us to access your financial data for analysis purposes
• You represent that you have the right to share this financial information
• You understand that we use read-only access and cannot initiate transactions
• You can revoke access at any time through your account settings

We use bank-level security and work with trusted financial data providers to ensure your information remains secure.

5. Prohibited Uses

You may not use our service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations or laws
• To transmit or procure the sending of any advertising or promotional material
• To impersonate or attempt to impersonate the company, employees, or other users
• To upload or transmit viruses or any other type of malicious code
• To attempt to gain unauthorized access to our systems or networks
• To interfere with or disrupt the service or servers connected to the service

6. Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of Newarizona and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.

You retain ownership of your financial data, but grant us a license to use it solely for providing our services to you.

7. Payment Terms

For paid services:

• Subscription fees are billed in advance on a monthly or annual basis
• All fees are non-refundable except as required by law
• We reserve the right to change our pricing with 30 days' notice
• Failure to pay fees may result in service suspension or termination
• You are responsible for all taxes associated with your use of the service

8. Service Availability and Modifications

We strive to maintain high service availability but do not guarantee uninterrupted access. We reserve the right to:

• Modify or discontinue the service with reasonable notice
• Perform maintenance that may temporarily affect service availability
• Update our machine learning models and algorithms
• Change features and functionality to improve the service

9. Data Processing and Machine Learning

By using our service, you acknowledge and agree that:

• Your financial data will be processed using machine learning algorithms
• We may use aggregated, anonymized data to improve our models
• Our algorithms continuously learn and adapt to provide better insights
• You understand the limitations of automated analysis and predictions

10. Limitation of Liability

To the maximum extent permitted by law, Newarizona shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

Our total liability to you for all claims arising from or relating to the service shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Indemnification

You agree to defend, indemnify, and hold harmless Newarizona and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the service or violation of these terms.

12. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties, or for any other reason.

You may terminate your account at any time by contacting us. Upon termination, your right to use the service will cease immediately.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of the service shall be resolved in the courts of Massachusetts.

14. Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of material changes by posting the updated terms on our website and sending you an email notification. Your continued use of the service after such changes constitutes acceptance of the new terms.

15. Contact Information

If you have any questions about these Terms of Service, please contact us: