Synx Terms of Service

1. Description of Service

Synx provides a personal finance management dashboard. Our service is read-only; we aggregate and display your financial data to help you track your net worth and spending. We do not provide financial, legal, or tax advice. You are solely responsible for your financial decisions.

2. Pricing and Token Economy

Synx operates on a hybrid pricing model:

• Lifetime Access: A one-time purchase of $75 grants you lifetime access to the core Synx software platform.
• Token Economy: To maintain active connections to your financial institutions, Synx utilizes a Token system to cover underlying API costs. Connecting a bank consumes Tokens at a stated monthly rate (e.g., 40 tokens / $0.40 per month per institution).
• Refunds: The $75 Lifetime Access fee is subject to our standard refund policy. Purchased Tokens are non-refundable once consumed by the system to maintain your active bank connections.

3. Third-Party Services and Security

Synx uses third-party providers, primarily Plaid Inc., to securely connect to your financial institutions.

• We never see, store, or have access to your bank login credentials.
• By linking your bank account, you also agree to Plaid's End User Privacy Policy and Terms of Service.
• Payments are processed securely via Stripe. We do not store your credit card information.

4. Acceptable Use

You agree not to misuse the Synx platform. This includes attempting to reverse engineer the software, artificially inflating token balances, or using the service for any illegal financial activities. We reserve the right to terminate or suspend accounts that violate these terms.

5. Limitation of Liability

To the maximum extent permitted by law, Synx and its founder shall not be liable for any indirect, incidental, special, or consequential damages, including lost profits or lost data, arising from your use of the service. In no event shall our total liability to you exceed the amount you paid to Synx in the past twelve (12) months.

6. Service Availability

While we strive for 100% uptime, Synx is provided on an "AS IS" and "AS AVAILABLE" basis. We do not guarantee that the service will be uninterrupted or error-free, particularly when downstream providers (like your specific bank's API) experience outages.