Terms & Conditions

Last Updated: 12-10-2023

These Terms and Conditions ("Terms") govern your use of Vala, a financial management platform provided by [Your Company Name] ("we," "our," or "us"). By accessing or using Vala, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use Vala.

1. Use of Vala

1.1 Eligibility: To use Vala, you must be at least 18 years old and have the legal capacity to enter into binding agreements. By using Vala, you represent and warrant that you meet these eligibility requirements.

1.2 User Account: You are required to create a user account to access certain features of Vala. You agree to provide accurate and complete information during the registration process and to keep your account information up to date.

2. Privacy Policy

Your use of Vala is also governed by our Privacy Policy, which can be found at [link to privacy policy]. By using Vala, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

3. External Account Transfers and Plaid

Vala facilitates external account transfers using ACH (Automated Clearing House) payment processing through ACHQ, a trusted third-party service. Additionally, we use Plaid, a secure third-party service, to link and access your bank accounts. By using these features, you agree to the terms and conditions of ACHQ and Plaid, including their fees and privacy practices. Please review ACHQ's and Plaid's respective Privacy Policies for details on how they collect and handle your financial information.

4. User Content

You may have the opportunity to submit content, such as feedback or reviews, through Vala. By submitting content, you grant us a non-exclusive, royalty-free, worldwide, perpetual, and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content.

5. Termination

We reserve the right to suspend or terminate your access to Vala at our sole discretion, without notice, for any reason, including a violation of these Terms.

6. Disclaimers

Vala is provided "as is" and "as available" without any warranties or representations, express or implied. We do not guarantee the accuracy, completeness, or reliability of any information or content on Vala.

7. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of Vala.

8. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction]. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of [Your Jurisdiction].

9. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on our website, and the "Last Updated" date will be revised accordingly. Your continued use of Vala after the posting of changes constitutes your acceptance of such changes.

10. Contact Information

If you have questions or concerns about these Terms, please contact us at support@valapoint.com.