Terms of Use

These Terms of Use ("Terms") govern your use of the Bedrock Money application and services provided by Vikorus LLC ("Company," "we," "us," or "our"). By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

Service Description

Bedrock Money is a financial planning application that provides net worth tracking, recurring payment management, AI-powered financial insights, budget analysis, and investment monitoring. We aggregate your financial data through secure third-party providers like Plaid to deliver personalized financial guidance.

Eligibility and Account Registration

You must be at least 18 years old and legally capable of entering binding contracts. You agree to provide accurate information during registration and maintain the security of your login credentials. You are responsible for all activities under your account and must notify us immediately of any unauthorized access.

Financial Data Authorization

By using our services, you authorize Vikorus LLC as your agent to access your financial account information from third-party data sources like banks and financial institutions through our secure integration partners. You grant us a limited power of attorney to retrieve, analyze, and present your financial data solely for providing our services. We access your accounts on a read-only basis and never store your banking login credentials.

AI-Powered Services

Our AI features provide automated financial insights, bill detection, savings recommendations, and budget analysis. AI-generated information is probabilistic and may contain inaccuracies. All AI recommendations are for informational purposes only and do not constitute professional financial advice. You must verify AI-generated information with qualified professionals before making financial decisions. Relying on AI recommendations without professional verification could result in financial harm.

Subscription and Payment Terms

Paid subscriptions automatically renew unless cancelled at least 24 hours before the renewal date. Subscription fees are charged in advance and are generally non-refundable except as required by law or our specific refund policies. We may change subscription fees with reasonable notice, effective on your next renewal period. Free trials require valid payment information and will convert to paid subscriptions unless cancelled before the trial ends.

Acceptable Use and Restrictions

You may use our services only for personal, non-commercial purposes in compliance with applicable laws. You may not share your account, attempt unauthorized access to our systems, use our services for illegal purposes, interfere with other users, reverse engineer our software, or use our services to build competing products. Violations may result in immediate account termination.

Content and Intellectual Property

You retain ownership of your financial data while granting us necessary licenses to process and analyze it for providing our services. We own all rights to our software, algorithms, and content. You grant us a worldwide, royalty-free license to use any feedback or suggestions you provide about our services.

Third-Party Services and Integrations

We integrate with third-party financial service providers, data aggregators, and other services to provide our functionality. We are not responsible for third-party services, their accuracy, availability, or policies. Your use of third-party services is subject to their terms and conditions. We may modify or discontinue third-party integrations at any time.

Financial Advice Disclaimer

We are not a financial institution, investment advisor, broker, credit counselor, or professional financial services provider. Our services provide informational tools and automated analysis only. Nothing in our services constitutes professional financial, investment, tax, legal, or accounting advice. You should consult qualified professionals before making financial decisions. We disclaim all responsibility for financial decisions made based on our services.

Data Security and Privacy

We implement industry-standard security measures including 256-bit encryption, secure data centers, and regular security audits. However, no system is completely secure, and you use our services at your own risk. Our Privacy Policy describes how we collect, use, and protect your information.

Service Modifications and Termination

We may modify, suspend, or discontinue our services at any time with or without notice. We may terminate your account for violations of these Terms or at our discretion. Upon termination, your access ends immediately, though you remain responsible for outstanding fees. We may delete your data according to our retention policies.

Disclaimers and Warranties

Our services are provided "as is" without warranties of any kind. We disclaim all warranties including merchantability, fitness for particular purposes, accuracy, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or completely secure. Financial data accuracy depends on third-party sources, and we cannot guarantee data completeness or timeliness.

Limitation of Liability

To the maximum extent permitted by law, Vikorus LLC's total liability for any claims related to our services is limited to the amount you paid us in the 12 months preceding the claim or $100, whichever is greater. We are not liable for indirect, incidental, consequential, or punitive damages, lost profits, or business interruption, even if we knew such damages were possible.

Indemnification

You agree to defend, indemnify, and hold us harmless from any claims, damages, losses, and expenses (including attorney fees) arising from your use of our services, violation of these Terms, or infringement of third-party rights.

Dispute Resolution

Any disputes arising from these Terms or our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will be conducted individually, not as part of any class action. You waive the right to jury trial and participation in class actions. Either party may seek injunctive relief in court for intellectual property or confidentiality matters.

General Provisions

These Terms are governed by [Your State] law without regard to conflict of law principles. If any provision is unenforceable, the remainder stays in effect. We may update these Terms by posting changes on our website with reasonable notice. Your continued use after changes constitutes acceptance. These Terms constitute the entire agreement between us regarding our services.