Terms of Service | Accelvine

1. Acceptance of Terms

By downloading, installing, or using the Tangible mobile application ("App") or visiting accelvine.com ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App or Site.

These Terms constitute a legally binding agreement between you and Accelvine, a [STATE] corporation ("Accelvine," "we," "us," or "our").

2. Eligibility

You must be at least 18 years of age to use the App. By creating an account, you represent and warrant that you are 18 or older and that you have the legal capacity to enter into these Terms. Accelvine reserves the right to verify your age and to terminate accounts belonging to users under 18.

3. Account Creation

You may create an account using social authentication (Google or Apple) or phone number verification. You are responsible for maintaining the confidentiality of your account credentials. You agree to notify Accelvine immediately of any unauthorized access to your account.

You may not create more than one account, impersonate any person or entity, or create an account on behalf of anyone other than yourself. Accelvine reserves the right to terminate accounts that violate these restrictions.

4. Acceptable Use

You agree not to use the App to:

Harass, abuse, threaten, or intimidate other users
Share false, misleading, or fraudulent information
Post content that is obscene, offensive, or violates applicable law
Attempt to access other users' accounts or private information
Use automated tools, bots, or scrapers against the platform
Circumvent geographic restrictions or rate limits
Violate any applicable local, state, national, or international law

5. User Content

You may upload profile photos and other content ("User Content"). All photos are subject to moderation for compliance with our content policies. Accelvine reserves the right to remove content that violates these Terms or our community guidelines without notice.

You retain ownership of your User Content. By uploading content, you grant Accelvine a non-exclusive, worldwide, royalty-free license to host, store, and display your content solely for purposes of operating the App.

6. Financial Data Consent

Tangible uses Plaid Technologies, Inc. ("Plaid") to securely connect to your financial accounts. By authorizing Plaid, you consent to Plaid accessing your bank account transaction history in accordance with Plaid's End User Privacy Policy.

Accelvine processes your transaction data solely to generate a privacy-scaled financial compatibility vector. Raw transaction amounts and merchant names are never stored on Accelvine servers. Revoking Plaid authorization within the App will delete all derived financial data associated with your account.

7. Intellectual Property

The App, Site, and all associated software, algorithms, designs, trademarks, and content (excluding User Content) are the exclusive property of Accelvine and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our intellectual property without express written permission.

8. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE." ACCELVINE MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ACCELVINE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE APP. OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT PAID BY YOU TO ACCELVINE IN THE PAST 12 MONTHS.

10. Termination

Accelvine may suspend or terminate your account at any time for any reason, including violation of these Terms. You may terminate your account at any time through the App settings. Upon termination, your profile, interaction history, and financial data will be permanently deleted in accordance with our Privacy Policy.

11. Governing Law

These Terms shall be governed by the laws of [GOVERNING LAW JURISDICTION — PENDING LEGAL REVIEW], without regard to its conflict of law principles. Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with [ARBITRATION RULES — PENDING LEGAL REVIEW].

12. Changes to Terms

Accelvine reserves the right to modify these Terms at any time. We will notify users of material changes through the App or by email. Continued use of the App after changes are posted constitutes acceptance of the revised Terms.

13. Contact

For questions about these Terms, contact us at contact@accelvine.com.