Terms of Service

1. Acceptance of Terms

By creating an account and using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not use the Service. We may modify these Terms at any time, and such modification will be effective upon posting to the website.

2. Description of Service

LATBINC provides a platform for personal financial planning, including tools for budgeting, investment tracking, and retirement forecasting. Our service is designed to be a guide and is not a substitute for professional financial advice. All decisions made using the information from our Service are your sole responsibility.

3. User Accounts

To use most features of the Service, you must register for an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for safeguarding your password and for all activities that occur under your account.

4. User Data and Ownership

You retain full ownership of the financial data and other information you submit to the Service ("User Data"). We do not claim any ownership rights in your User Data. You grant us a worldwide, non-exclusive, royalty-free license to use, copy, modify, and display your User Data solely for the purpose of providing the Service to you.

5. Intellectual Property

All rights, title, and interest in and to the Service (excluding User Data), including all associated intellectual property rights, are and will remain the exclusive property of LATBINC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries.

6. Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• Using the service for any illegal purpose or in violation of any local, state, national, or international law.
• Violating or encouraging others to violate the rights of third parties, including intellectual property rights.
• Interfering with the security-related features of the Service, including disabling or circumventing features that prevent or limit use or copying of any content.
• Attempting to interfere with the proper functioning of the Service.

7. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. LATBINC disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, in no event will LATBINC, its affiliates, officers, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

9. Indemnification

You agree to defend, indemnify, and hold harmless LATBINC and its affiliates, officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Service, or your violation of these Terms.

10. Changes to the Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.