Terms and Conditions

1. Educational Purpose

This application ("Convergent.finance") is designed to provide educational information about financial tracking and wealth management. It is not intended to offer recommendations for specific investment decisions.

2. AI-Generated Content and Limitations

The financial guidance provided by this application is generated by artificial intelligence (AI) models and is based on general financial principles and the information you provide. Please be aware that:

• AI-generated advice may contain errors, inaccuracies, or limitations
• The advice does not account for all aspects of your individual financial circumstances
• Financial markets and regulations change frequently, and AI models may not reflect the most current information
• The advice should be considered as educational content only, not as professional financial guidance

3. No Financial Advice

The information and suggestions provided by this application do not constitute financial advice, investment recommendations, or professional consultation. We are not licensed financial advisors, and nothing in this application should be construed as specific investment recommendations or advice tailored to your personal situation.

4. Consult a Professional

Before making any investment decisions or implementing any financial strategies, you should consult with a qualified financial advisor, accountant, or other financial professional who can provide advice tailored to your specific circumstances, goals, and risk tolerance.

5. Limitation of Liability

To the maximum extent permitted by law, Convergent.finance and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of this application
• Any financial decisions made based on information from this application
• Any investment losses or financial damages
• Errors or inaccuracies in AI-generated content
• System downtime or technical issues

6. User Responsibilities

As a user of this application, you agree to:

• Use the application for educational purposes only
• Not rely solely on this application for financial decision-making
• Seek professional advice before implementing any financial strategies
• Understand that all investment decisions are made at your own risk

7. Data Security and Privacy

We implement security measures to protect your financial data, including encryption for sensitive information. However, no system is completely secure. Your use of this application is governed by our Privacy Policy, which details how we collect, use, and protect your information.

8. Intellectual Property

All content in this application, including but not limited to text, graphics, logos, and software, is owned by Convergent and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without explicit permission.

9. Changes to Terms

We may update these Terms and Conditions from time to time. When we make material changes, we will notify users and require re-acceptance of the updated terms. Continued use of the application after such changes constitutes acceptance of the new terms.

10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from your use of this application will be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Acceptance

By creating an account and using this application, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, you should not use this application.

12. Contact Information

If you have questions about these Terms and Conditions, please contact us through the appropriate channels provided in the application.