Terms and Conditions

Alternate Financial LLC

Effective Date: January 7, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website, software applications, tools, and services (collectively, the “Services”) provided by Alternate Financial LLC (“Alternate Financial,” “Company,” “we,” “us,” or “our”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

1. Nature of Services

Alternate Financial LLC provides financial organization, analytics, visualization, and tracking software designed to help individuals better understand and manage their finances and investments across multiple platforms.

Alternate Financial is not:

A broker-dealer
An investment advisor or fiduciary
A financial institution or custodian
An exchange or marketplace

We do not execute trades, hold client funds, provide personalized financial advice, or guarantee investment outcomes. All information provided through the Services is for informational and organizational purposes only.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding agreement to use the Services. By using the Services, you represent and warrant that you meet these requirements.

3. User Accounts

To access certain features, you may be required to create an account. You agree to:

Provide accurate and current information
Maintain the confidentiality of your login credentials
Notify us immediately of unauthorized access
Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that contain false information or violate these Terms.

4. Financial Data and Third-Party Integrations

You may choose to connect third-party financial platforms, brokerage accounts, or digital asset services. By doing so, you authorize Alternate Financial to access and display your financial data solely for analytics and organizational purposes.

We do not control third-party platforms and are not responsible for:

Data accuracy from external sources
Platform outages or service disruptions
Security practices of third parties

Your use of third-party services is governed by their own terms and policies.

5. No Financial Advice

The Services do not constitute financial, legal, tax, or investment advice. Any analytics, insights, projections, or visualizations are general in nature and should not be relied upon as professional advice. You are solely responsible for your financial decisions.

6. Acceptable Use

You agree not to:

Use the Services for unlawful purposes
Attempt unauthorized access to systems or data
Reverse engineer, decompile, or copy proprietary technology
Transmit malware, harmful code, or spam
Use automated scripts or bots without permission
Misrepresent identity or affiliation

Violation of acceptable use rules may result in account termination and legal action.

7. Intellectual Property

All content, software, branding, designs, graphics, and underlying technology are the exclusive property of Alternate Financial LLC or its licensors and are protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the Services for personal or internal business purposes only. You may not reproduce, distribute, or create derivative works without written permission.

8. Fees and Payments

Certain features or subscription plans may require payment. If applicable:

Fees will be clearly disclosed before purchase
Payments are non-refundable unless otherwise stated
We may change pricing with reasonable notice
Failure to pay may result in suspension or cancellation

Taxes, where applicable, are the responsibility of the user.

9. Data Accuracy and Availability

While we strive to provide accurate and timely information, we do not guarantee:

Completeness or accuracy of data
Continuous availability of Services
Error-free performance

Financial markets and third-party data sources can change rapidly. You acknowledge that inaccuracies or delays may occur.

10. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard personal information.

11. Termination

We reserve the right to suspend or terminate access to the Services at our discretion if:

These Terms are violated
Fraudulent or abusive behavior is detected
Legal or security risks arise

Users may terminate their account at any time by contacting support or using account settings where available.

12. Disclaimers

The Services are provided “as is” and “as available.” To the fullest extent permitted by law, Alternate Financial disclaims all warranties, including but not limited to:

Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy or reliability of financial data

Use of the Services is at your own risk.

13. Limitation of Liability

To the maximum extent permitted by law, Alternate Financial LLC shall not be liable for:

Investment losses
Lost profits or revenue
Data loss or corruption
Indirect, incidental, or consequential damages
Service interruptions or platform outages

Our total liability shall not exceed the amount paid by you for the Services in the preceding 12 months, if any.

14. Indemnification

You agree to indemnify and hold harmless Alternate Financial LLC, its affiliates, officers, employees, and partners from any claims, damages, or expenses arising from your misuse of the Services or violation of these Terms.

15. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of [Insert Jurisdiction, e.g., Province of Ontario, Canada], without regard to conflict-of-law principles.

16. Changes to Terms

We may update these Terms periodically. Continued use of the Services after updates constitutes acceptance of the revised Terms. Users are encouraged to review this page regularly.

17. Contact Information

For questions or concerns regarding these Terms, please contact:

Alternate Financial LLC
Email: greg@alternatefintech.com