1. Acceptance of Terms

By accessing and using Matinaa (“we,” “our,” or “us”), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our service.

These terms apply to all users of our financial management platform, including visitors, registered users, and subscribers.

2. Description of Service

Matinaa is a comprehensive financial management platform that provides:

• Personal finance tracking and budgeting tools
• Income and expense management
• Investment portfolio tracking
• Liability and debt management
• Financial reporting and analytics
• Subscription-based premium features

Our service is provided through our website and mobile applications, subject to availability and your subscription level.

3. User Accounts and Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

We reserve the right to suspend or terminate accounts that violate these terms.

4. Subscription and Payment Terms

Free Tier: Basic features are available at no cost with limitations.

Premium Subscriptions: Enhanced features available through monthly or yearly subscriptions.

• Monthly subscriptions: Billed monthly, cancel anytime
• Yearly subscriptions: Billed annually, cancel anytime
• All payments are processed securely through Stripe
• Prices are subject to change with 30 days notice
• No refunds for partial subscription periods
• Automatic renewal unless cancelled before renewal date

5. Data Privacy and Security

We are committed to protecting your financial data:

• All data is encrypted in transit and at rest
• We use industry-standard security measures
• We never sell your personal or financial data
• We comply with applicable data protection laws
• You can export or delete your data at any time
• We may use anonymized data to improve our services

For detailed information, please review our Privacy Policy.

6. User Responsibilities

You agree to:

• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not share your account credentials with others
• Not use the service to violate any laws or regulations
• Not interfere with the proper functioning of the service
• Maintain the accuracy of your financial data

7. Intellectual Property Rights

The Matinaa platform, including its design, functionality, and content, is owned by us and protected by intellectual property laws.

• You retain ownership of your personal financial data
• We grant you a limited license to use our platform
• You may not copy, modify, or distribute our software
• You may not reverse engineer or attempt to extract source code

8. Disclaimers and Limitations

No Financial Advice: Matinaa provides tools for financial management but does not provide financial, investment, or tax advice. Consult with qualified professionals for such advice.

Service Availability: We strive for high availability but cannot guarantee uninterrupted service. We may perform maintenance that temporarily affects availability.

Limitation of Liability: To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our service.

9. Termination

Either party may terminate this agreement at any time:

• You may cancel your subscription at any time
• We may suspend or terminate accounts for violations
• Upon termination, your access to premium features ends
• You may export your data before termination
• We may retain certain data as required by law

10. Changes to Terms

We may update these terms from time to time. We will notify you of significant changes via email or through our platform. Continued use of our service after changes constitutes acceptance of the new terms.

11. Governing Law and Disputes

These terms are governed by the laws of the United States. Any disputes will be resolved through binding arbitration, except that either party may seek injunctive relief in court to prevent irreparable harm.

12. Contact Information

If you have questions about these terms, please contact us at:

• Email: support@matinaa.com
• Website: https://matinaa.com