Terms & Conditions

1. About Richy

Richy is a financial information and wealth management technology platform operated by [LEGAL ENTITY NAME], with registered office at [REGISTERED ADDRESS], VAT number [VAT NUMBER].

Richy is not a bank, a broker, a financial advisor, an investment advisor, a tax advisor or an account information service provider (AISP), unless and until a specific authorisation is expressly stated.

2. Acceptance of Terms

By creating an account or using the service you accept these Terms. If you do not accept them, do not use the service.

3. Eligibility

You must be at least 18 years old and legally able to enter into a contract. The service is intended for personal, non-professional use unless otherwise agreed.

4. Account Registration

You must provide accurate information, keep your credentials confidential and are responsible for activity carried out through your account. Notify us promptly of any unauthorised access.

5. User Responsibilities

You are responsible for the data you enter, import or connect, and for verifying it before making decisions. You must use the service lawfully and only with data you are entitled to process.

6. Connected Accounts

Where available, account connection is operated through third-party providers authorised or enabled to provide account information services. The connection depends on your consent, on the provider and on your bank; it may be interrupted, limited or require renewal. Richy does not guarantee continuous availability of the connection and does not store your banking credentials.

7. Financial Data

Balances, transactions, valuations and aggregates shown in Richy may be incomplete, delayed or inaccurate, in particular where they depend on third-party sources or on manual input. They do not replace your bank statements or the official records of your intermediaries.

8. AI Features

Some features use AI systems to interpret data, categorise information, analyse documents and answer questions. AI outputs are generated automatically, may contain errors and must be verified before you rely on them.

9. Financial Information Disclaimer

Richy is a financial information and wealth management technology platform. Unless a specific regulated service is expressly stated otherwise, information, calculations, forecasts, scores and AI-generated insights provided through Richy are for informational purposes and should not be considered personalised financial, investment, tax or legal advice.

Specific disclaimers:

• ·Wealth Index: an internal indicator computed with our own methodology; it is not a rating, a creditworthiness assessment or an advisory opinion.
• ·Safe to Spend: an estimate based on the data available in your account; it is not a spending authorisation and does not take account of commitments unknown to the platform.
• ·Tax estimates: indicative calculations that do not replace a tax return or the advice of a qualified professional.
• ·Investment performance: estimated figures based on available data; past performance is not indicative of future results.
• ·Market valuations: obtained from external sources, possibly delayed or approximate, and not an offer, appraisal or executable price.
• ·Rick AI: an automated assistant; its answers are informational and do not constitute a recommendation to buy, sell or hold any financial instrument.

10. Investment Disclaimer

Nothing in Richy constitutes an investment recommendation, a solicitation or a personalised suitability assessment. Investing involves the risk of losing capital. Investment decisions are yours alone.

11. Tax Disclaimer

Tax features are informational aids. Tax rules change and depend on your individual situation and on your country of residence: verify any figure with a qualified professional before using it for filings or payments.

12. Accuracy of Information

We take reasonable care over the correctness of the platform's calculations, but we do not warrant that the content, data or outputs are complete, accurate or up to date.

13. Third-party Services

The service relies on external providers in the following categories, limited to those actually used: infrastructure and database, authentication, hosting, open banking connectivity, AI processing, market data, payments and subscription management. Their availability and behaviour are outside our control and are governed by their own terms.

14. Subscription & Payments

Richy offers a free plan and a paid Premium plan. Paid plans are billed through our payment provider on a recurring basis until cancelled, and cancellation takes effect at the end of the current billing period unless stated otherwise. Applicable statutory withdrawal rights for consumers remain unaffected. Price and plan details are those shown at the time of purchase.

15. Intellectual Property

The platform, its software, design, trademarks and content are owned by [LEGAL ENTITY NAME] or its licensors. You receive a personal, non-exclusive, non-transferable and revocable right to use the service. Your data remains yours.

16. Prohibited Use

• ·using the service unlawfully or in breach of third-party rights
• ·attempting to access data of other users or to circumvent security measures
• ·reverse engineering, scraping or automated overloading of the service
• ·uploading malicious content or data you are not entitled to process
• ·reselling or making the service available to third parties without authorisation

17. Service Availability

The service is provided on an "as available" basis. Interruptions may occur for maintenance, updates, failures or events outside our control.

18. Account Suspension / Termination

You may stop using the service and delete your account at any time. We may suspend or terminate an account in the event of a breach of these Terms, unlawful use or a security or legal requirement, with prior notice where reasonably possible.

19. Limitation of Liability

To the maximum extent permitted by law, we are not liable for financial, investment or tax decisions taken on the basis of information provided by the platform, nor for indirect or consequential damages or loss of profit. Liability that cannot be excluded or limited under applicable law, including liability for wilful misconduct or gross negligence and mandatory consumer rights, remains unaffected.

20. Changes to Service

Features may be added, changed or discontinued to develop the product or for technical, security or legal reasons.

21. Changes to Terms

These Terms may be updated. Each version carries a version number and a last-updated date; material changes are notified through the service before they take effect where required. Continuing to use the service after the effective date means you accept the updated Terms.

22. Governing Law

These Terms are governed by the law of [GOVERNING LAW COUNTRY], with the courts of [COMPETENT COURT / JURISDICTION] having jurisdiction, without prejudice to the mandatory protections available to consumers in their country of residence.

23. Contact

[LEGAL ENTITY NAME] — [REGISTERED ADDRESS] — info@richy-rich.com.