Terms of Service
Your agreement for using Ignitify's platform. Clear, fair terms for our community.
Last Updated: January 2025
Welcome to Ignitify! These terms govern your use of our financial independence tracking platform. By using our service, you agree to these terms.
Legal Entity: Ignitify is a trading name of Waterhall Ltd, a limited company registered in [Jurisdiction]. Throughout these terms, "we", "us", "our", "Ignitify" and "the Company" refer to Waterhall Ltd.
1. Acceptance of Terms
By creating an account, accessing, or using Ignitify's services, you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. If you do not agree to these terms, please do not use our service. These terms constitute a legal agreement between you and Waterhall Ltd.
2. Description of Service
Ignitify provides:
- • Financial Tracking: Income, expenses, assets, and liabilities management
- • Goal Setting: FIRE goals, savings targets, and progress tracking
- • Educational Content: Financial independence learning modules
- • AI Assistance: Felix AI for personalized financial guidance
- • Calculators: FI number, compound interest, and retirement planning tools
- • Habit Tracking: Financial habits and streak monitoring
3. Subscription Plans & Billing
Free Plan
- • Basic tracking features
- • Limited AI interactions
- • Core calculators
- • No billing required
Plus Plan
- • All premium features
- • Enhanced AI interactions
- • Advanced analytics
- • Monthly/annual billing
Lifetime Plan
- • All Plus features
- • One-time payment
- • Lifetime access
- • No recurring billing
Billing Terms
- • Payment Processing: All payments processed securely through Stripe
- • Automatic Renewal: Plus subscriptions auto-renew unless cancelled
- • Cancellation: Cancel anytime through your account settings or Stripe portal
- • Refunds: 30-day money-back guarantee for new subscriptions
- • Price Changes: 30-day notice for any subscription price changes
4. User Responsibilities
✅ You Must
- • Provide accurate account information
- • Keep your password secure
- • Use the service lawfully
- • Respect other users
- • Report security issues
❌ You Must Not
- • Share your account credentials
- • Attempt to hack or disrupt the service
- • Use the service for illegal activities
- • Reverse engineer our software
- • Spam or abuse our systems
5. Data & Privacy
Your financial data is yours. We collect and use information as described in our Privacy Policy. We implement industry-standard security measures to protect your data, but you're responsible for keeping your account secure.
6. Intellectual Property
Ownership
- • Our Content: Ignitify owns all software, designs, educational content, and trademarks
- • Your Data: You retain ownership of all financial data you input
- • License: We grant you a limited license to use our service
- • Feedback: Any suggestions you provide may be used to improve our service
7. Disclaimers & Limitations
Important Notice
- • Educational Purpose: Our content is for educational purposes, not financial advice
- • No Guarantees: We don't guarantee specific financial outcomes
- • Service Availability: We strive for 99.9% uptime but can't guarantee uninterrupted service
- • Third-Party Services: We're not responsible for third-party integrations
8. Account Termination
By You
- • Cancel subscription anytime
- • Delete account through settings
- • Export your data before deletion
- • No cancellation fees
By Us
- • Violation of terms
- • Fraudulent activity
- • Extended inactivity
- • 30-day notice when possible
9. Governing Law
These terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved through binding arbitration or in the courts of [Your Jurisdiction].
10. Changes to Terms
We may update these terms to reflect changes in our service or legal requirements. Significant changes will be communicated via email and in-app notifications at least 30 days in advance.
11. Contact Information
Questions about these terms? We're here to help:
- • Email: legal@ignitify.com
- • Support: Available through the app's help section
- • Billing Questions: billing@ignitify.com
- • Response Time: Within 48 hours for terms-related inquiries
- • Legal Entity: Waterhall Ltd (trading as Ignitify)
🚀 Ready to Start Your FI Journey?
By using Ignitify, you're taking control of your financial future. These terms ensure a safe, secure experience for everyone in our community.
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