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 $35 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 $35 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.

Beta and sandbox features. From time to time we may make features available on a beta, preview, or sandbox basis. Data shown in sandbox or development builds may be simulated and does not reflect real financial accounts. Beta features are provided without any warranty, may change or be discontinued without notice, and should not be relied upon for financial decisions.

7. Mobile Application License

Subject to these Terms, Synx grants you a limited, non-exclusive, non-transferable, revocable license to install and use the Synx mobile application on a device that you own or control, solely for your personal, non-commercial use.

Apple App Store. If you download the app from the Apple App Store, you acknowledge that these Terms are between you and Synx only, not with Apple, and Synx (not Apple) is solely responsible for the app and its content. Apple has no obligation to furnish any maintenance or support services for the app. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right to enforce these Terms against you. You represent that you are not located in a country subject to a U.S. Government embargo and are not listed on any U.S. Government list of prohibited or restricted parties.

Google Play. If you download the app from Google Play, you acknowledge that these Terms are between you and Synx only, not with Google, and that your use of the app must also comply with the Google Play Terms of Service.

8. Governing Law and Dispute Resolution

Governing law. These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws principles.

Binding individual arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") shall be resolved through final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and, where the volume of filings meets AAA's criteria, its Mass Arbitration Supplementary Rules, each as in effect at the time the arbitration is commenced and which are incorporated herein by reference. The arbitration shall be conducted by a single arbitrator in King County, Washington, or by video conference at the arbitrator's discretion. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver.You and Synx agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, mass, or representative proceeding (except as expressly permitted by the AAA Mass Arbitration Supplementary Rules for procedural coordination). The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

Severability of the arbitration agreement. If the class-action waiver in this Section is found to be unenforceable as to any particular claim or form of relief (such as a claim for public injunctive relief), that claim or form of relief shall be severed and litigated in a court of competent jurisdiction located in King County, Washington, while all other claims shall remain subject to binding individual arbitration. If any other portion of this arbitration agreement is found unenforceable, the remainder shall continue in full force.

Exceptions.Either party may bring an individual action in small-claims court for Disputes within that court's jurisdiction, and either party may seek injunctive or equitable relief in court to protect intellectual-property rights or to prevent unauthorized access to the Service.

Opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@synxfinance.com with your name, account email, and a statement that you wish to opt out. Opting out will not affect any other provision of these Terms.

9. Indemnification

You agree to defend, indemnify, and hold harmless Synx Finance LLC, its officers, members, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms or any applicable law; (c) your violation of any third-party right, including any right of privacy, publicity, or intellectual property; or (d) any content or information you submit to the Service. Synx reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

10. Consent to Electronic Records and Signatures

By creating a Synx account and accepting these Terms, you consent under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. §§ 7001 et seq., the "E-SIGN Act") and applicable state laws to: (a) receive all communications, agreements, notices, disclosures, and records relating to the Service in electronic form; and (b) use electronic signatures, including clicking "I agree," typing your name, or submitting a form, in place of handwritten signatures.

Hardware and software requirements. To access and retain electronic records, you need: a device with internet access; a current web browser or the Synx mobile app; a valid email account; and, for PDF disclosures, a PDF reader. You should maintain local copies of any electronic records you wish to retain.

Withdrawing consent. You may withdraw consent to receive communications electronically by emailing legal@synxfinance.com, but doing so will terminate your ability to use the Service, because paper-based delivery is not supported.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "Last Updated" date above and, for material changes, provide additional notice through the Service or by email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

12. Contact

Questions about these Terms? Contact us at legal@synxfinance.com.