Welcome to the ArchSave app ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of the ArchSave application, website, and related services (collectively, the "Services"). By accessing or using our Services, you agree to these Terms. If you do not agree, please do not use the Services.

1. Overview of Services

ArchSave provides conversational tools powered by AI technologies, including OpenAI's ChatGPT API and our proprietary fine-tuning logic. Our Services are designed to offer financial literacy and guidance to help users work toward their retirement and savings goals.

Disclaimer: ArchSave does not provide direct financial investment advice, such as stock market buy/sell recommendations. The information and guidance provided by our Services are intended for informational and educational purposes only and should not be relied upon as professional financial advice.

2. Eligibility

By using our Services, you confirm that you are at least 18 years old (or the legal age of majority in your jurisdiction) and capable of entering into a binding agreement. The Services are not intended for use by individuals under 13 years of age.

3. User Accounts

• Registration: You may be required to create an account to access certain features of our Services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Accurate Information: You agree to provide accurate and complete information during registration and to update your information to keep it current.
• Account Security: Notify us immediately of any unauthorized access or breach of your account. We are not liable for losses caused by unauthorized use of your account.

4. Use of Services

When using our Services, you agree to the following:

• Use the Services only for lawful purposes and in compliance with applicable laws and regulations.
• Refrain from using the Services to submit, upload, or transmit any content that is illegal, harmful, offensive, or infringes on the rights of others.
• Understand that AI-generated responses are based on available data and algorithms and may not always be accurate or complete.
• Accept responsibility for your decisions and actions based on the information provided by our Services.

5. Intellectual Property

All content, trademarks, and materials available on our Services, including but not limited to text, graphics, logos, and software, are the intellectual property of ArchSave or its licensors. You may not copy, distribute, modify, or create derivative works from any content available through the Services without our prior written consent.

6. Third-Party Tools and APIs

ArchSave integrates third-party tools and APIs, including OpenAI’s ChatGPT API, to provide certain features. By using these features, you acknowledge and agree to the following:

• Some data may be processed by third-party providers, including OpenAI, in accordance with their privacy and data handling policies. You can review OpenAI's privacy policy here: OpenAI Privacy Policy.
• While we take measures to ensure data security, we are not responsible for the practices of third-party providers.

7. Fees and Payments

Certain features of our Services may require payment. By subscribing to or purchasing these features, you agree to the following:

• All fees are clearly disclosed and must be paid in advance unless otherwise specified.
• Subscription services may renew automatically unless canceled in accordance with the terms provided during signup.
• Refunds are granted at our sole discretion, as specified in the refund policy.

8. Disclaimers and Limitations of Liability

Disclaimers: The Services are provided "as-is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee the accuracy, reliability, or completeness of any information provided through our Services.

Limitations of Liability: To the fullest extent permitted by law, ArchSave and its affiliates are not liable for any indirect, incidental, or consequential damages arising from your use of the Services, including but not limited to financial losses or decision-making based on AI-generated guidance.

9. Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, with or without notice, for any reason, including but not limited to violations of these Terms.

10. Changes to These Terms

We may update these Terms periodically to reflect changes in our practices or applicable laws. Significant changes will be communicated through the app or other appropriate means. Continued use of the Services after updates constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which ArchSave is headquartered, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Services will be resolved in the courts of that jurisdiction.

12. About Us

The ArchSave app is operated by Arch AI, LLC, a registered Delaware company in the United States. For any inquiries or concerns about this Privacy Policy, you can contact us at:

Company Name: Arch AI, LLC

Address: 8 The Green, Suite 19276, Dover, DE 19901, USA

Email: questionsnospam@archsave.com

Version: Beta 0.1