1. 關於我們
MyAutoBudget（「本服務」）由Josh Jones營運，他是一位位於美國亞利桑那州的獨立軟體開發者（「我們」）。我們不是註冊金融機構、持照財務顧問或受託人。MyAutoBudget不是銀行，不提供FDIC或類似的存款保險。您自己銀行帳戶中持有的資金仍受您銀行條款和保護的約束。您可以透過support@myautobudget.com聯繫我們。我們目前僅透過電子郵件提供支援。
2. 接受條款
通過創建賬戶或使用本服務,您同意這些條款。如果您不同意,請不要使用本服務。我們將在生效前至少14天通過電子郵件或服務內的顯著通知通知您任何重大變更。在該通知期限後繼續使用該服務表示接受更新的條款。
3. 服務描述
MyAutoBudget是一個個人預算工具，幫助您追蹤帳戶、收入、帳單和支出分配。本服務可能包括根據您提供的資料產生的自動計算、預測和報告。它可選擇性地與Plaid整合，透過Plaid從金融機構擷取帳戶餘額、交易資料和某些帳戶中繼資料。
4. 訂閱與計費
本服務提供免費試用期，試用期結束後需要付費訂閱才能繼續使用。訂閱價格和試用時長在註冊時顯示。您可以隨時通過計費入口取消訂閱。優惠碼可能會根據我們的判斷授予延長或永久免費存取權限。
5. 資格要求
您必須年滿18歲並具有法律能力訂立具有約束力的協議。通過創建帳戶,您聲稱您符合這些要求。
6. 賬戶責任
您有責任對您的登入憑證保密，並對您帳戶下的所有活動負責。如果您懷疑存在未經授權的存取，請立即通知我們：support@myautobudget.com。
7. 無財務建議
本服務僅為信息工具。本服務中的任何內容都不構成財務、投資、稅務、法律或其他專業建議。 所有計算、預測、分配和報告都是估計值,可能包含不準確性、舍入差異或錯誤。在做出財務決定之前,您應該獨立驗證任何數據,並在適當的情況下諮詢合格的專業人士。
8. 準確性免責聲明
我們不保證服務生成的任何計算、預測、估計或報告是準確、完整或最新的。您輸入的數據可能通過自動化公式和啟發式算法處理,這些可能會產生不正確或誤導的結果。該服務還可能依賴於可能包含錯誤、遺漏或延遲的第三方數據源(如Plaid銀行饋送)。您承認對服務輸出的任何依賴都是由您自己承擔的風險。
9. 責任限制
在亞利桑那州法律允許的最大範圍內,我們不對因使用或無法使用本服務而產生的任何間接、附帶、特殊、後果性或懲罰性損害賠償,或任何利潤、收入、數據或商譽損失承擔任何責任,即使已被告知可能產生此類損害。
因這些條款產生的任何索賠,我們的總累計責任不應超過(a)您在索賠前12個月內實際支付給我們的金額,或(b)50美元($50)中的較大者。無論法律理論如何,即使上述救濟措施未能達到其本質目的,此上限也適用。
10. 保證免責
本服務以「現狀」及「可用」的基礎提供，不附帶任何明示、默示或法定的保證，包括但不限於對適銷性、特定用途適用性和非侵權的默示保證。我們不保證服務將不間斷、無錯誤或完全安全。
11. 您的數據
您保留輸入MyAutoBudget的所有資料的完全所有權。使用本服務即表示您授予我們有限授權，以根據需要儲存和處理您的資料，用於提供、維護、保護和改進本服務及其功能，符合我們的隱私政策。我們不會出於行銷目的向第三方出售、出租或分享您的資料。有關我們如何處理您資訊的完整詳情，請參閱隱私政策。
12. 可接受的使用
您同意不會: 嘗試獲得對其他用戶數據或我們基礎設施的未經授權的訪問;將本服務用於任何非法目的;對本服務進行逆向工程、反編譯或反彙編;或傳輸惡意軟件或破壞性代碼。
13. 賠償
您同意賠償並保護MyAutoBudget及其運營者免受因您使用本服務或違反這些條款而產生的索賠、責任、損害賠償、損失和費用(包括合理的法律費用),除非是由於我們自身的過失或故意不當行為造成的。
14. 服務可用性和更改
我們可能會修改、暫停或停止服務的功能。對於減少您當前依賴的功能的重大變更,我們將盡合理努力提供至少14天的通知。常規維護、安全補丁和次要改進可能會在沒有事先通知的情況下部署。
15. 終止
任何一方可隨時終止本協議。您可以停止使用本服務並請求刪除您的帳戶。如果您違反本條款或繼續向您提供服務變得不切實際，我們可能會暫停或終止您的存取。如果我們無故終止您的帳戶，我們將做出合理努力提前至少14天通知您並給您匯出資料的機會。第7至13條和第16至20條在終止後繼續有效。
16. 管轄法律和爭議
這些條款受美國亞利桑那州法律管轄,不考慮法律衝突原則。根據這些條款產生的任何紛爭應在位於亞利桑那州馬里科帕縣的州或聯邦法院解決。雙方同意這些法院的人身管轄權。
17. 可分離性
如果這些條款中的任何條款被發現無法強制執行,其餘條款繼續全面有效。不可強制執行的條款將在必要的最小範圍內進行修改,以使其可強制執行,同時保留其原始意圖。
18. 整個協議
本條款與隱私政策共同構成您與MyAutoBudget之間關於使用本服務的完整協議，並取代所有先前協議。
19. 翻譯
這些條款可能提供英文以外的其他語言版本。在翻譯版本與英文版本之間存在任何衝突或不一致的情況下，英文版本應佔優先權。
20. 聯繫
有關本條款的問題可發送至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.