Terms of Service

By creating an account or using Your Horizon, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use our services.

Your Horizon is a financial planning tool that allows users to model and visualize their financial future through projections, scenario planning, and simulations. Our service includes:

• Net worth tracking and projections
• Retirement planning calculations
• Monte Carlo simulations
• Scenario comparison tools
• Cash flow analysis

You should consult with qualified financial professionals before making any financial decisions. We are not responsible for any decisions you make based on information from our service.

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

• Provide accurate and complete information
• Keep your login credentials secure
• Notify us immediately of any unauthorized access
• Be responsible for all activity under your account

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

Free Tier

The Sandbox tier is free and allows limited access to features without data persistence.

Premium Subscription

Premium subscriptions are billed monthly or as a one-time lifetime purchase. By subscribing, you agree that:

• Subscriptions auto-renew unless cancelled
• You can cancel anytime from your account settings
• Refunds are provided at our discretion
• Prices may change with 30 days notice

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Reverse engineer or copy our software
• Share your account with others
• Use automated tools to access the service
• Upload malicious code or content

Your Horizon and its original content, features, and functionality are owned by us and are protected by intellectual property laws. You retain ownership of any financial data you enter into the service.

Your use of our service is also governed by our Privacy Policy. By using Your Horizon, you consent to our collection and use of data as described in the Privacy Policy.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The service will be uninterrupted or error-free
• Projections or calculations will be accurate
• The service will meet your specific requirements
• Any errors will be corrected

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOUR HORIZON SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the service
• Any financial decisions made based on service output
• Unauthorized access to your data
• Any third-party conduct on our service

You agree to indemnify and hold harmless Your Horizon and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the service or violation of these Terms.

We may modify these Terms at any time. We will notify you of significant changes via email or a notice on our website. Your continued use of the service after changes constitutes acceptance of the new Terms.

We may terminate or suspend your account at any time for violations of these Terms. Upon termination, your right to use the service ceases immediately. Provisions that by their nature should survive termination will survive.

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles.

If you have questions about these Terms, contact us at:

Email: legal@yourhorizon.app