Terms and Conditions

1. Agreement to Terms

By accessing and using Pathmony, you agree to be bound by these Terms and Conditions. These terms govern your use of the Pathmony platform, website, and services.

2. Description of Service

Pathmony is a personal wealth planning application that helps users understand their financial position, define goals, plan budgets, and track progress over time. Our services include:

• Wealth and net worth tracking
• Goal planning and milestone tracking
• Budgeting and monthly financial planning tools
• Progress insights for financial decisions

3. Important Disclaimer

4. User Responsibilities

As a user of Pathmony, you agree to:

• Provide accurate and truthful information
• Use the service only for lawful purposes
• Protect your account credentials and personal information
• Not attempt to gain unauthorized access to our systems

5. Planning and Goal Tracking

When using the planning features, please note:

• Goal outcomes and timelines are estimates based on the information you provide
• You remain responsible for reviewing and validating your financial decisions
• We do not guarantee specific results, returns, or outcomes

6. Limitation of Liability

To the fullest extent permitted by law, Pathmony shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of financial opportunities or missed goals
• Errors or omissions in user-entered financial data
• Service interruptions or technical issues

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

8. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after any changes indicates your acceptance of the updated Terms.

9. Contact Information