Nyphex - Intelligence for Your Wealth

Geographic Restriction

This service is only available to residents of the United States. By using this service, you represent and warrant that you are located in the United States and are a U.S. resident. Access from outside the United States is prohibited.

Important: Not Financial Advice

This service does NOT provide financial, tax, investment, or legal advice. All information provided by the AI assistant and this platform is for general informational purposes only. You should always consult with qualified financial advisors, tax professionals, or legal counsel before making any financial decisions. We are not responsible for any financial decisions you make based on information provided by this service.

1. AI-Powered Service Disclosure

This service uses artificial intelligence (AI) technology to provide financial insights and assistance. When interacting with our AI assistant, you are communicating with an automated system, not a human. AI-generated responses may contain errors or inaccuracies. You should independently verify any information before relying on it.

1.1 AI-Generated Content Liability Cap

BY USING THIS SERVICE, YOU EXPLICITLY ACKNOWLEDGE AND AGREE TO THE FOLLOWING:

Zero Liability for AI-Generated Advice

Our liability for any and all damages arising from AI-generated content, predictions, recommendations, insights, tax calculations, investment analysis, or any other automated output is expressly limited to $0.00 (zero dollars). This includes but is not limited to:

Incorrect tax calculations or tax-related advice
Inaccurate financial predictions or forecasts
Erroneous investment recommendations or portfolio analysis
Missed deductions, credits, or tax optimization opportunities
Incorrect categorization of transactions or expenses
Flawed budgeting or savings recommendations
Any financial loss resulting from reliance on AI outputs

AI Limitations Acknowledgment

You acknowledge that AI systems:

Can produce incorrect, incomplete, or outdated information
Are not a substitute for professional financial, tax, or legal advice
May not account for your complete financial situation
Cannot guarantee accuracy of calculations or recommendations
May hallucinate facts, figures, or regulatory requirements
Are trained on historical data that may not reflect current laws or market conditions

Required Professional Consultation

You agree to consult qualified professionals before:

Filing any tax returns or making tax-related decisions
Making investment decisions exceeding $1,000
Taking any action that could have significant financial consequences
Relying on any calculation or recommendation for legal or compliance purposes

Binding Agreement

By clicking "I Agree" or by using any AI-powered features of this service, you irrevocably waive any and all claims against us for damages arising from AI-generated content, regardless of the theory of liability (contract, tort, strict liability, or otherwise), and regardless of whether we have been advised of the possibility of such damages.

2. Acceptance of Terms

By accessing or using this service, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use the service.

3. User Responsibilities

You agree to:

Provide accurate information when using the service
Keep your account credentials secure
Use the service only for lawful purposes
Not attempt to circumvent security measures
Not share your account with others

4. Data Accuracy Disclaimer

Financial data displayed in this service may be obtained from third-party providers (such as Plaid) or entered by users. We do not guarantee the accuracy, completeness, or timeliness of this data. You are responsible for verifying the accuracy of your financial information.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE 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 OF THE SERVICE.

Our total liability for any claims arising from your use of the service shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim.

6. Indemnification

You agree to indemnify and hold harmless the service, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the service or violation of these terms.

7. Dispute Resolution

Any disputes arising from these terms or your use of the service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in class action lawsuits or class-wide arbitration.

8. Termination

We reserve the right to suspend or terminate your access to the service at any time, with or without cause, and with or without notice. Upon termination, your right to use the service will immediately cease.

9. Changes to Terms

We may modify these terms at any time. Continued use of the service after changes constitutes acceptance of the modified terms. We encourage you to review these terms periodically.

10. Contact

For questions about these terms, please contact us at: support@nyphex.com