Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you and Rosentide Inc., a corporation incorporated in Quebec, Canada, governing your use of the Aera mobile application ("the App"). By checking the "I agree" checkbox and creating an account, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the App.

1. Acceptance and Eligibility

Your use of the App is conditioned upon your acceptance of these Terms. You accept these Terms by checking the consent checkbox during account registration or login. Browsing the App without accepting these Terms does not create an agreement.

You must be at least 18 years old to use the App. By accepting these Terms, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this agreement.

We may modify these Terms from time to time. For material changes, we will notify you through the App and require your renewed consent. If you do not accept the modified Terms, you may discontinue using the App. Your continued use of the App after accepting modified Terms constitutes your agreement to the changes.

2. Service Description

Aera is a personal finance tracking and management tool designed to help you organize, visualize, and understand your financial information. The App allows you to:

Track income, expenses, and transfers
Create and monitor budgets and savings goals
Track investment holdings and portfolio performance
Manage subscriptions and recurring bills
Track lending and borrowing
View financial insights
Use AI-powered features for categorization and data entry

The App is a tool for organizing financial information that you provide. It does not connect to your bank accounts, execute financial transactions, or move money on your behalf (unless such features are explicitly introduced in future versions with separate consent).

3. Financial Disclaimer

THE APP DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE. All information presented in the App is for informational and organizational purposes only.

The App is not a registered investment adviser, broker-dealer, financial planner, or tax professional
Nothing in the App constitutes a recommendation to buy, sell, or hold any financial instrument
Any financial data, calculations, projections, or suggestions should not be relied upon as a basis for financial decisions
You should always consult qualified professionals before making financial decisions
Past performance data displayed in the App does not guarantee future results
Any budgets, goals, or projections are estimates based on data you provide and may not reflect actual outcomes

4. AI Disclaimer

The App includes AI-powered features including smart categorization, natural language transaction entry, merchant name cleanup, smart search, and bill detection. These features are experimental and provided on an "as is" basis.

AI features may produce inaccurate, incomplete, or incorrect results
AI-generated categories, amounts, dates, and other data should always be reviewed and verified by you before acceptance
You should never rely solely on AI features for financial tracking, decision-making, or record-keeping
The accuracy of AI features may vary based on language, currency, merchant naming conventions, and other factors
AI features may not correctly interpret all transaction descriptions, receipt formats, or natural language inputs
We do not guarantee the accuracy, reliability, or completeness of any AI-generated output

5. Investment Data Disclaimer

Investment-related data displayed in the App, including stock prices, market data, portfolio valuations, and price changes, is provided for informational purposes only.

Market data may be delayed, inaccurate, or incomplete
Price data is sourced from third-party providers and may not reflect real-time market conditions
Portfolio valuations are calculated based on data you provide and market data from third-party sources, and may not reflect the actual value of your holdings
Investment data should not be used as the sole basis for investment decisions
We are not responsible for errors, omissions, or delays in third-party market data

6. Product Recommendations Disclaimer

If the App presents financial product recommendations, suggestions, or comparisons:

These are for informational purposes only and do not constitute financial advice, endorsements, or pre-approvals
Product availability, terms, rates, and eligibility may differ from what is displayed
We may receive referral fees from product partners if you apply and are approved
You should independently verify all product terms directly with the provider before applying
Displaying a product recommendation does not guarantee your eligibility or approval

7. Service Availability

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee that the App will be available at all times, uninterrupted, error-free, or free of harmful components. We may modify, suspend, or discontinue any feature at any time without notice.

While we take reasonable measures to protect data stored on your device, we are not responsible for data loss resulting from: device failure, loss, theft, or damage; operating system updates, resets, or reinstallation; app updates, bug fixes, or data migrations; user error, including accidental deletion; third-party app interference or malware; or any other cause beyond our reasonable control.

You are solely responsible for maintaining backups of your financial data. We strongly recommend regularly verifying the accuracy of data stored in the App against your original financial records.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED FIFTY CANADIAN DOLLARS (CAD $50.00), REGARDLESS OF THE FORM OF ACTION OR THEORY OF LIABILITY.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: loss of profits, revenue, data, or business opportunities; financial losses resulting from reliance on information displayed in the App; losses resulting from inaccurate AI-generated data, categorizations, or suggestions; losses resulting from inaccurate investment data or portfolio valuations; losses resulting from data migration, format changes, or software updates; damages resulting from unauthorized access to your device; cost of procurement of substitute services.

Some jurisdictions do not allow the exclusion or limitation of certain damages. If you reside in such a jurisdiction (including the United Kingdom, certain Canadian provinces, or India), the above limitations apply only to the extent permitted by applicable law. Nothing in these Terms limits any rights you may have under applicable consumer protection laws that cannot be waived or limited by contract.

9. Third-Party Services

The App relies on third-party services, including Firebase (Google LLC) for authentication, analytics, crash reporting, and cloud functions; third-party providers for currency exchange rate data; and third-party providers for investment and market price data (accessed via Firebase Cloud Functions).

We are not responsible for the availability, accuracy, or reliability of third-party services; changes to third-party service terms, pricing, or data quality; service interruptions or discontinuation by third-party providers; or data processing practices of third-party services.

If a third-party service becomes unavailable or changes its terms, affected App features may be modified, degraded, or discontinued without liability to you.

10. Security

We implement industry-standard security measures to protect your data, including encryption of financial data stored on your device, secure credential storage, and encrypted network communications.

However, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security. You are responsible for maintaining the security of your device, keeping your PIN confidential, not sharing your account credentials, and promptly reporting any suspected unauthorized access to support@aeramoney.com.

11. Dispute Resolution (US Only)

This section applies only to users located in the United States. Users in Canada, the United Kingdom, India, and other jurisdictions where mandatory arbitration in consumer contracts is unenforceable should refer to Section 16.

You and Rosentide Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the App shall be resolved exclusively through binding individual arbitration rather than in court, except that either party may bring claims in small claims court if eligible.

CLASS ACTION WAIVER: Each party may bring claims against the other only in their individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding.

Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in the county of your residence or by video/telephone conference, at your election. The arbitrator's decision shall be final and binding.

The arbitrator, and not any court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or any part of this arbitration agreement is void or voidable.

This arbitration agreement does not preclude either party from seeking injunctive or other equitable relief in court for claims related to intellectual property infringement or unauthorized access.

14-Day Opt-Out Right: You may opt out of this arbitration agreement within 14 days of first accepting these Terms by sending written notice to support@aeramoney.com with the subject line "Arbitration Opt-Out" including your name, email address associated with your account, and a clear statement that you wish to opt out. If you opt out, disputes will be resolved in accordance with Section 16.

12. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Rosentide Inc., its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to your violation of these Terms, your misuse of the App, your violation of any applicable law or regulation, any content or data you provide through the App, or your negligence or willful misconduct.

This indemnification obligation does not apply to the extent that the claim arises from our own negligence, willful misconduct, or breach of these Terms.

13. Intellectual Property

The App, including its design, code, features, trademarks, logos, and all related intellectual property, is owned by Rosentide Inc. and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes.

You retain full ownership of all financial data, personal information, and other content you enter into the App. We claim no ownership rights over your data. Upon account deletion, your data is permanently removed as described in our Privacy Policy.

You may not:

Reverse engineer, decompile, or disassemble the App
Copy, modify, or create derivative works
Use the App for any commercial purpose without our prior written consent
Remove or alter any proprietary notices

14. Feature Availability

The App may offer both free and premium (paid) features. We reserve the right to change which features are available in free and premium tiers, modify pricing for premium features with reasonable notice, and introduce, modify, or discontinue any feature at any time.

While we intend to maintain a meaningful free tier, we do not guarantee that any specific feature will remain free indefinitely.

Some features may be labeled as "Beta" or "Experimental." These features are provided for evaluation purposes and may be modified, discontinued, or made available only to premium users without notice.

15. Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, pandemics, or public health emergencies; government actions, sanctions, or regulatory changes; third-party service outages, API changes, or discontinuations; internet or telecommunications infrastructure failures; cyberattacks, data breaches by third parties, or security incidents beyond our reasonable control; or labor disputes and supply chain disruptions.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions.

Rosentide Inc. is incorporated in the Province of Quebec, Canada.

For disputes not subject to arbitration (including all disputes involving users outside the United States), you agree to submit to the exclusive jurisdiction of the courts located in the Province of Ontario, Canada.

Consumer Rights Savings Clause: Nothing in these Terms limits any rights you may have under the mandatory consumer protection laws of your jurisdiction. In particular:

Canadian users: Your rights under applicable federal and provincial consumer protection legislation are preserved.
UK users: Your statutory rights under the Consumer Rights Act 2015 and other applicable UK consumer protection laws are not affected by these Terms.
Indian users: Your rights under the Consumer Protection Act, 2019 are preserved.

17. Termination

You may stop using the App at any time. To fully terminate your account and delete your data, use the account deletion feature in Settings > About > Delete Account.

We may suspend or terminate your access to the App at any time, with or without cause, with or without notice. Grounds for termination include violation of these Terms, fraudulent or illegal activity, extended period of inactivity (with prior notice), or technical or security reasons.

Upon termination, your license to use the App is immediately revoked. We have no obligation to maintain or provide access to your data. Sections 3, 4, 7, 8, 11, 12, 13, and 18 shall survive termination.

18. Miscellaneous

Severability: If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Rosentide Inc. regarding your use of the App and supersede all prior agreements, understandings, and communications.

No Waiver: Our failure to enforce any right or provision shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Rosentide Inc.

Assignment: We may assign or transfer these Terms, in whole or in part, without restriction. You may not assign or transfer any rights without our prior written consent.

Notices: We may provide notices through the App, via email, or by other reasonable means. You may provide notices to us at support@aeramoney.com.

Contact

If you have questions about these Terms:

Email: support@aeramoney.com

Rosentide Inc.
Quebec, Canada