Terms of Service

These terms are an agreement between you and My Financial Life (“we”, “us”) for using fynlyfe.com and our mobile apps (the “service”). By creating an account or using the service, you agree to them. Please also read our Privacy Policy.

1. You must be 18 or older

The service is for adults. By creating an account you confirm you're at least 18 years old. We may close accounts we believe belong to someone younger.

2. Education, not advice

Lessons, examples, quizzes, the AI tutor and everything else in the service are general education. They are not personal financial, investment, tax, legal, employment or career advice, and we are not your financial adviser, broker, lawyer or counselor. Examples use made-up numbers and may not fit your situation. Before making important decisions, consider talking with a qualified professional. You're responsible for the choices you make.

We don't promise any financial, career or other outcome from using the service.

3. Your account

• Keep your sign-in methods secure. You can turn on two-step sign-in in Settings.
• Give accurate information, and use a display name that isn't offensive or impersonating someone.
• One person per account. Don't share or sell accounts.

4. The AI tutor

The AI tutor explains lesson content using an AI model. AI can be wrong, incomplete or out of date, so check important facts against the lesson and trusted sources. The tutor only discusses lesson topics and won't give personalized financial, legal or career advice. Don't enter personal details such as account numbers, your SSN or exact income; we try to remove them automatically but can't guarantee it. There are daily limits on use, and we may pause the tutor at any time. Lessons always work without it. You can report any answer that seems wrong or inappropriate.

5. Acceptable use

Please don't:

• Harass, threaten or spam other learners, or share anyone's private information.
• Try to break, overload, scrape or reverse-engineer the service, or get around limits and security.
• Use automated tools to answer questions, farm XP or referrals, or earn certificates.
• Use the service for anything illegal.

We may remove content, limit features or suspend accounts that break these rules. You can block or report other members in any cohort.

6. Certificates

Certificates recognize completion of a self-paced educational program: completing a course's lessons, passing its final assessment, and submitting a capstone. They are not accredited and are not academic credits, degrees, licenses or professional certifications. Anyone with your verification code can confirm a certificate is genuine. We may revoke a certificate earned through cheating or fraud, and verification will then show it as revoked.

7. Free core and optional Plus

All lessons, practice, streaks, badges and certificates are free. Plus is an optional subscription that adds extras such as more AI tutor explanations each day. Plus never locks the core lessons.

Billing

• Plus is offered at $7.99/month or $59.99/year (US dollars, plus any applicable tax). The price is shown before you pay.
• Payments on the web are processed by Stripe. Your subscription renews automatically at the end of each billing period until you cancel.
• You can cancel anytime from the Premium page (“Manage subscription”). Cancellation stops future renewals; you keep Plus until the end of the period you've paid for.
• Except where the law requires otherwise, payments are non-refundable for partial periods. If something went wrong, contact us and we'll help.
• We'll give you advance notice of any price change, and it applies from your next renewal.
• Plus can't be purchased inside the iOS or Android app. If you subscribed on the web, your benefits work in the app too.

8. Your content

You own what you write, such as capstone reflections. You give us permission to store and process it only to provide the service to you. Content reports and feedback you send us may be used to improve lessons.

9. Our content

Lessons, questions, designs and software belong to us or our licensors. You may use them for your own personal learning. Please don't copy, resell or republish them without permission.

10. Your data

You can export your data or delete your account anytime in Settings. Deleting your account is permanent and removes your progress, badges and certificates. See the Privacy Policy for what we keep and for how long.

11. Changes and availability

We work hard to keep the service running, but it's provided “as is” and may sometimes be unavailable. We may update lessons, features and these terms. For material changes to these terms, we'll notify you before they take effect.

12. Limits of liability

To the extent the law allows, we aren't liable for indirect or consequential losses, or for decisions you make based on educational content, and our total liability is limited to the amount you paid us in the 12 months before the claim (or $50 if you haven't paid anything). Some places don't allow these limits, so they may not apply to you.

13. Ending your account

You can stop using the service and delete your account at any time. We may suspend or close accounts that break these terms.

14. Contact

Questions about these terms? Email support@fynlyfe.com.