1. 关于我们
MyAutoBudget（"本服务"）由Josh Jones运营，他是一位位于美国亚利桑那州的独立软件开发者（"我们"）。我们不是注册金融机构、持牌财务顾问或受托人。MyAutoBudget不是银行，不提供FDIC或类似的存款保险。您自己银行账户中持有的资金仍受您银行条款和保护的约束。您可以通过support@myautobudget.com联系我们。我们目前仅通过电子邮件提供支持。
2. 接受条款
通过创建帐户或使用本服务,您同意这些条款。如果您不同意,请不要使用本服务。我们将在生效前至少14天通过电子邮件或服务内的显著通知通知您任何重大变更。在该通知期限后继续使用该服务表示接受更新的条款。
3. 服务描述
MyAutoBudget是一个个人预算工具，帮助您跟踪账户、收入、账单和支出分配。本服务可能包括根据您提供的数据生成的自动计算、预测和报告。它可选择性地与Plaid集成，通过Plaid从金融机构检索账户余额、交易数据和某些账户元数据。
4. 订阅与计费
本服务提供免费试用期，试用期结束后需要付费订阅才能继续使用。订阅价格和试用时长在注册时显示。您可以随时通过计费门户取消订阅。优惠码可能会根据我们的判断授予延长或永久免费访问权限。
5. 资格要求
您必须年满18岁并具有法律能力订立具有约束力的协议。通过创建帐户,您声称您符合这些要求。
6. 账户责任
您有责任对您的登录凭据保密，并对您账户下的所有活动负责。如果您怀疑存在未经授权的访问，请立即通知我们：support@myautobudget.com。
7. 无财务建议
本服务仅为信息工具。本服务中的任何内容都不构成财务、投资、税务、法律或其他专业建议。 所有计算、预测、分配和报告都是估计值,可能包含不准确性、舍入差异或错误。在做出财务决定之前,您应该独立验证任何数据,并在适当的情况下咨询合格的专业人士。
8. 准确性免责声明
我们不保证服务生成的任何计算、预测、估计或报告是准确、完整或最新的。您输入的数据可能通过自动化公式和启发式算法处理,这些可能会产生不正确或误导的结果。该服务还可能依赖于可能包含错误、遗漏或延迟的第三方数据源(如Plaid银行馈送)。您承认对服务输出的任何依赖都是由您自己承担的风险。
9. 责任限制
在亚利桑那州法律允许的最大范围内,我们不对因使用或无法使用本服务而产生的任何间接、附带、特殊、后果性或惩罚性损害赔偿,或任何利润、收入、数据或商誉损失承担任何责任,即使已被告知可能产生此类损害。
因这些条款产生的任何索赔,我们的总累计责任不应超过(a)您在索赔前12个月内实际支付给我们的金额,或(b)50美元($50)中的较大者。无论法律理论如何,即使上述救济措施未能达到其本质目的,此上限也适用。
10. 保证免责
本服务以"原样"和"可用"的基础提供，不附带任何明示、默示或法定的保证，包括但不限于对适销性、特定用途适用性和非侵权的默示保证。我们不保证服务将不间断、无错误或完全安全。
11. 您的数据
您保留输入MyAutoBudget的所有数据的完全所有权。使用本服务即表示您授予我们有限许可，以根据需要存储和处理您的数据，用于提供、维护、保护和改进本服务及其功能，符合我们的隐私政策。我们不会出于营销目的向第三方出售、出租或共享您的数据。有关我们如何处理您信息的完整详情，请参阅隐私政策。
12. 可接受的使用
您同意不会: 尝试获得对其他用户数据或我们基础设施的未经授权的访问;将本服务用于任何非法目的;对本服务进行逆向工程、反编译或反汇编;或传输恶意软件或破坏性代码。
13. 赔偿
您同意赔偿并保护MyAutoBudget及其运营者免受因您使用本服务或违反这些条款而产生的索赔、责任、损害赔偿、损失和费用(包括合理的法律费用),除非是由于我们自身的过失或故意不当行为造成的。
14. 服务可用性和更改
我们可能会修改、暂停或停止服务的功能。对于减少您当前依赖的功能的重大变更,我们将尽合理努力提供至少14天的通知。常规维护、安全补丁和次要改进可能会在没有事先通知的情况下部署。
15. 终止
任何一方可随时终止本协议。您可以停止使用本服务并请求删除您的账户。如果您违反本条款或继续向您提供服务变得不切实际，我们可能会暂停或终止您的访问。如果我们无故终止您的账户，我们将做出合理努力提前至少14天通知您并给您导出数据的机会。第7至13条和第16至20条在终止后继续有效。
16. 管辖法律和争议
这些条款受美国亚利桑那州法律管辖,不考虑法律冲突原则。根据这些条款产生的任何纠纷应在位于亚利桑那州马里科帕县的州或联邦法院解决。双方同意这些法院的人身管辖权。
17. 可分离性
如果这些条款中的任何条款被发现无法强制执行,其余条款继续全面有效。不可强制执行的条款将在必要的最小范围内进行修改,以使其可强制执行,同时保留其原始意图。
18. 整个协议
本条款与隐私政策共同构成您与MyAutoBudget之间关于使用本服务的完整协议，并取代所有先前协议。
19. 翻译
这些条款可能提供英文以外的其他语言版本。在翻译版本与英文版本之间存在任何冲突或不一致的情况下，英文版本应占优先权。
20. 联系
有关本条款的问题可发送至support@myautobudget.com。
Electronic Signature & Record Consent
By checking the "I agree to the Terms of Use and Privacy Policy" box at signup and clicking the submit button, you agree that your action constitutes a legally-binding electronic signature under the federal Electronic Signatures in Global and National Commerce Act (ESIGN, 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act (UETA) as enacted in your state. You consent to receive this agreement, any changes to it, and any required legal notices in electronic form. We retain a record of your consent — including the date, the IP address, the user-agent string, and the document version in force at the moment of consent — in an immutable Consent Log. You may withdraw this electronic-records consent at any time by emailing privacy@myautobudget.com, but doing so will terminate your ability to use the Service because all notices and account management are delivered electronically.
Eligibility & Age of Contractual Capacity
You must be of the age of majority in your jurisdiction (eighteen (18) years of age in most US states and Canadian provinces) and legally capable of entering into a binding contract to create an account. The Service requires a valid credit card to complete subscription checkout; you represent that the credit card you use is your own or that you are expressly authorised by the cardholder to use it for this purpose. We may terminate any account we reasonably believe was opened by a minor or by a person without contractual capacity.
Subscription, Billing, and Refunds
The Service is offered on a subscription basis, billed monthly or annually depending on the plan you select. All fees are payable in advance and are processed by our payment processor, Stripe, Inc. Except where required by applicable law, all fees are non-refundable and we do not prorate for partial billing periods. If you cancel, your subscription remains active until the end of the current billing period and will not renew.
We reserve the right to change subscription pricing; any change takes effect only at your next renewal and will be notified to you by email at least thirty (30) days in advance. Continued use of the Service after the effective date constitutes acceptance of the new price.
California residents: you may cancel at any time and, if you cancel within three (3) business days of a new subscription purchase, we will issue a full refund of the most recent billing period. Email privacy@myautobudget.com within that window to request the refund.
Binding Arbitration & Class-Action Waiver
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.
(a) Agreement to arbitrate. Except for the carve-outs in paragraph (c) below, any dispute, claim, or controversy arising out of or relating to these Terms or to the Service (a "Dispute") will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will take place in the US county where you reside (or, at your election, by videoconference) and will be conducted by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.
(b) Class-action waiver. You and MyAutoBudget each agree that any Dispute will be resolved solely on an individual basis. Neither party may bring a claim as a plaintiff or class member in any purported class, collective, representative, consolidated, or private-attorney-general action. The arbitrator may not consolidate the claims of more than one person and may not preside over any form of representative proceeding. If this class-action waiver is found to be unenforceable as to a particular claim, that claim (and only that claim) will be severed and resolved in court, while all other claims remain subject to arbitration.
(c) Carve-outs. Either party may (i) bring an individual action in a US small-claims court for any Dispute that qualifies; (ii) seek injunctive relief in a court of competent jurisdiction to prevent the unauthorised use or infringement of intellectual-property rights; and (iii) file a complaint with any governmental agency of competent jurisdiction (including, for California residents, the California Attorney General).
(d) Opt-out. You may opt out of this arbitration agreement by emailing privacy@myautobudget.com with the subject line "Arbitration Opt-Out" within thirty (30) days of your first acceptance of these Terms. Opting out will not affect any other provision of these Terms.
Governing Law & Venue (for non-arbitrable claims)
For any Dispute that is not subject to the arbitration agreement above, these Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-laws principles. You and MyAutoBudget consent to the exclusive jurisdiction of the state and federal courts located in New Castle County, Delaware for any such Dispute.
California Civil Code § 1789.3 Notice
In compliance with California Civil Code § 1789.3, users of the Service from California are entitled to the following consumer rights notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.
Service Availability & Geographic Restriction
The Service is offered only in the United States, Canada, and Mexico. Attempting to access the Service from a jurisdiction outside that list, or from a jurisdiction subject to US Office of Foreign Assets Control (OFAC) sanctions, will result in an HTTP 451 response and denial of service. You represent that you are not located in, nor a national or resident of, any OFAC-embargoed country, and that you are not on any US government list of restricted parties.
Changes to These Terms
We may revise these Terms at any time. If a revision materially changes your rights or obligations we will notify you by email and / or by a prominent notice within the Service at least thirty (30) days before the revision takes effect. The effective date shown at the top of this document is updated whenever any revision takes effect; the version in force at the moment of your signup is stamped on your Consent Log row and can be requested as part of a data-subject access request. Your continued use of the Service after the effective date of a revision constitutes acceptance of the revised Terms.