Terms and Conditions

1 Acceptance of Terms

By registering for, accessing, or using the Services, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy. These Terms apply to all users, including visitors to the Website and registered users of the App. We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date, and your continued use of the Services constitutes acceptance of those changes.

2 Eligibility

To use the Services, you must:

• • Be at least 18 years old or the age of majority in your jurisdiction.
• • Have the legal capacity to enter into binding agreements.
• • Reside in a jurisdiction where the Services are available.
• • Provide accurate and complete information during registration.

3 Account Registration and Security

3.1 Registration

To access certain features of the App, you must create an account by providing your name, email address, and a secure password. You may also be required to provide additional information, such as financial data, to enable personalized features. All information provided must be accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your password. You agree to:

• • Notify us immediately at infopiaassistant@gmail.com if you suspect unauthorized access to your account.
• • Be solely responsible for all activities conducted through your account.

We reserve the right to suspend or terminate your account if we suspect unauthorized use or a violation of these Terms.

4 Use of the Services

4.1 Permitted Use

The Services are intended for personal, non-commercial use to help you manage your finances, track expenses, and receive AI-driven financial insights. You agree to use the Services only for lawful purposes and in accordance with these Terms.

4.2 Prohibited Use

You may not:

• • Use the Services in any way that violates applicable laws or regulations.
• • Attempt to gain unauthorized access to the Services or other users' accounts.
• • Use the Services to transmit harmful, offensive, or illegal content.
• • Reverse engineer, decompile, or otherwise attempt to extract the source code of the App.
• • Use the Services to harm, disrupt, or overload our systems or networks.

5 Waitlist and Email Registration

By joining the waitlist or registering your email for updates on the Website, you agree to receive communications from us regarding the App's launch, features, and related news. You may unsubscribe from these communications at any time by clicking the "unsubscribe" link in our emails or contacting us at infopiaassistant@gmail.com. We will not share your email with third parties for marketing purposes, except as described in our Privacy Policy.

6 Intellectual Property

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, and software, are the exclusive property of PIA Financial Technologies or its licensors and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Services for personal purposes, subject to these Terms. You may not reproduce, distribute, or create derivative works from the Services without our prior written consent.

7 Financial Information and Disclaimers

7.1 No Financial Advice

The insights, suggestions, and data provided by the App are for informational purposes only and do not constitute financial, investment, or professional advice. You are responsible for consulting with qualified professionals before making financial decisions based on the Services.

7.2 Accuracy of Financial Data

While we strive to provide accurate and up-to-date financial insights, we do not guarantee the accuracy, completeness, or reliability of any data or recommendations provided by the Services. You acknowledge that financial markets and personal circumstances are subject to change, and you use the Services at your own risk.

8 Data Protection and Privacy

Your privacy is important to us. Our Privacy Policy, available at https://www.piaassistant.com/privacy-policy, explains how we collect, use, and protect your personal information, including any financial data you provide. By using the Services, you consent to our data practices as outlined in the Privacy Policy.

9 Termination

We reserve the right to suspend or terminate your access to the Services at our discretion, without notice, for reasons including but not limited to:

• • Violation of these Terms.
• • Suspected fraudulent or illegal activity.
• • Inactivity or misuse of the Services.

Upon termination, your account and access to the Services will be deactivated, but we may retain your data as required by law or as described in our Privacy Policy.

10 Limitation of Liability

To the fullest extent permitted by law, PIA Financial Technologies, its affiliates, and their respective officers, directors, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services. Our total liability for any claim arising from these Terms or the Services shall not exceed the amount paid by you, if any, for accessing the Services.

11 Indemnification

You agree to indemnify and hold harmless PIA Financial Technologies and its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, or expenses (including reasonable attorneys' fees) arising out of your use of the Services, violation of these Terms, or infringement of any third-party rights.

12 Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Mexico.

13 Miscellaneous

13.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and PIA Financial Technologies regarding the use of the Services.

13.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

13.4 Contact Information

For questions or concerns about these Terms or the Services, please contact us at:

14 Acknowledgment

By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.