Effective Date: May 1, 2025
Welcome to PitiFi! These Terms of Service ("Terms") govern your access to and use of the PitiFi website, services, and applications (collectively, the "Service"). Please read these Terms carefully.
Acceptance of Terms
By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.
Description of Service
PitiFi provides tools and analysis related to personal finance, primarily focusing on mortgage data (Principal, Interest, Taxes, Insurance - PITI). Users may upload financial documents (such as mortgage statements, bank statements, credit card statements) for analysis. The Service offers insights and information regarding financial trends, potential refinancing or HELOC opportunities, and debt consolidation, based on the data provided and our analytical models.
User Accounts
You may need to register for an account to access certain features. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
User Conduct and Responsibilities
You agree not to misuse the Service or help anyone else do so. This includes, but is not limited to, the following:
- Uploading viruses, malware, or any other malicious code.
- Attempting to gain unauthorized access to the Service or its systems.
- Using the Service for any illegal or fraudulent purpose.
- Scraping, data mining, or using any robot, spider, or other automated means (non-human entities) to access the Service for any purpose without our express written permission.
- Interfering with or disrupting the integrity or performance of the Service.
Uploaded Content and Data License
You retain ownership of the documents you upload. However, by uploading documents and using the Service, you grant PitiFi a broad, worldwide, royalty-free license to use, process, analyze, reproduce, modify, create derivative works from, and display the data contained within those documents. This license is solely for the purposes of providing, operating, maintaining, improving, and developing the Service, including training our analytical models. We may also derive anonymized or aggregated data insights from user-provided information, which we may use for commercial purposes, including potentially selling such gleaned, non-personally identifiable data insights. We prioritize the security of your raw data as outlined in our Privacy Policy.
Subscriptions and Fees
Access to core features of the Service requires an active subscription. Subscription plans, fees, and billing cycles (e.g., monthly, annually) are detailed on our pricing page or during the sign-up process.
- Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle unless canceled.
- Cancellation: You may cancel your subscription at any time through your account settings or by contacting support. Cancellations will be effective at the end of your current paid billing period. No refunds are provided for partial subscription periods.
- Payment: You agree to provide current, complete, and accurate payment information and authorize us (or our third-party payment processor, like Stripe) to charge your payment method for the subscription fees.
Intellectual Property
The Service and its original content (excluding data provided by users), features, and functionality are and will remain the exclusive property of PitiFi and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.
Disclaimers - VERY IMPORTANT
Informational Purposes Only - Not Financial Advice
PitiFi PROVIDES INFORMATIONAL ANALYSIS ONLY. THE SERVICE IS NOT INTENDED TO PROVIDE FINANCIAL, INVESTMENT, LEGAL, TAX, OR ANY OTHER TYPE OF PROFESSIONAL ADVICE. PitiFi IS NOT A FINANCIAL ADVISOR, BROKER, LENDER, TAX ADVISOR, OR LEGAL COUNSEL. We are not connected to or affiliated with any professional advisors in these fields.
The analysis, insights, trends, and potential opportunities presented by the Service are generated based on the data you provide and our analytical models (including third-party AI). This information is for informational purposes only and may not be accurate, complete, or suitable for your specific circumstances. You use the Service and rely on its information solely at your own risk.
YOU MUST CONSULT WITH QUALIFIED, LICENSED PROFESSIONALS (SUCH AS FINANCIAL ADVISORS, MORTGAGE BROKERS, ACCOUNTANTS, OR ATTORNEYS) BEFORE MAKING ANY FINANCIAL DECISIONS BASED ON INFORMATION OBTAINED THROUGH THE SERVICE. Your financial situation is unique, and any decisions should be based on consultation with professionals who understand your specific needs.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY CALIFORNIA LAW, IN NO EVENT SHALL PitiFi, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS 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 (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (iii) ANY CONTENT OBTAINED FROM THE SERVICE; AND (iv) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
OUR MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL BE LIMITED TO THE GREATER OF (A) THE AMOUNT PAID BY YOU TO PitiFi FOR THE SERVICE IN THE 12 MONTHS PRIOR TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).
Termination
We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Reasons for termination may include, but are not limited to (similar to major service providers like Google): violation of these Terms, harmful or illegal activity, causing harm to other users or the service, non-payment of fees, extended periods of inactivity, or if we discontinue the Service.
You may terminate your account at any time by contacting us or using account closure features if available. Upon termination, your right to use the Service will immediately cease.
Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide reasonable notice prior to any new terms taking effect, such as by posting a notice on our website or sending an email. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.
Contact Us
If you have any questions about these Terms, please contact us at: support@pitifi.com