Terms of Service

1.1 Overview

Cheto is an AI-powered personal finance management platform that helps users track, analyze, and optimize their financial health through account aggregation, automated insights, and personalized recommendations.

1.2 Key Features

• Financial account aggregation through Plaid
• AI-powered spending analysis and insights
• Automated categorization of transactions
• Custom budgeting and goal-setting tools
• Financial health recommendations

2.1 Account Creation

To use Cheto, you must create an account with accurate and complete information. You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.

2.2 Account Security

• Use strong, unique passwords
• Enable two-factor authentication when available
• Never share your account credentials
• Notify us immediately of any unauthorized access

3.1 Plaid Integration

By connecting your financial accounts through Plaid, you:

• Authorize Cheto to access your financial data
• Acknowledge that Plaid's terms of service apply to the connection
• Understand that we maintain read-only access to your accounts
• Can revoke access at any time through our platform or Plaid

3.2 Data Accuracy

While we strive to ensure accuracy, the financial data displayed in Cheto is provided by third parties and may occasionally contain errors or delays. You should verify critical information with your financial institutions directly.

4.1 Nature of Advice

Our AI-powered insights and recommendations are algorithmic and should not be considered professional financial advice. You should consult with qualified financial advisors for important financial decisions.

4.2 Limitations

• Past performance analysis does not guarantee future results
• Recommendations are based on available data only
• Market conditions and personal circumstances may affect outcomes
• AI models may have inherent biases or limitations

5.1 Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access
• Interfere with the service's operation
• Circumvent any limitations or security measures