Terms of Service

Last updated: [EFFECTIVE DATE]
PrivacyTerms of Service
Draft for review. This is a working draft, not legal advice. It should be reviewed by a qualified attorney and completed with the bracketed details before it goes live.

These Terms govern your use of WyPlan. By creating an account or using the service, you agree to them. If you don't agree, please don't use WyPlan.

1. What WyPlan is (and isn't)

WyPlan is a planning and accountability tool. It helps you set a savings goal, generates a contribution schedule, reminds you, and tracks the contributions you log yourself.

WyPlan is not a bank, broker, or money transmitter, and it does not provide financial, investment, tax, or legal advice. It does not hold, move, or manage your money and does not connect to your financial accounts. The schedules and projections it produces are informational estimates to help you plan — not a guarantee of any outcome. For advice about your specific situation, consult a qualified professional.

2. Eligibility

You must be at least [18 / the age of majority where you live] and able to form a binding contract to use WyPlan.

3. Your account

You're responsible for the information you provide, for the activity under your account, and for keeping your login secure. Tell us promptly at [CONTACT EMAIL] if you suspect unauthorized access.

4. Acceptable use

Please don't misuse WyPlan. You agree not to:

  • break the law or infringe others' rights while using the service;
  • attempt to access accounts or data that aren't yours, or probe, scan, or disrupt the service;
  • reverse engineer, resell, or copy the service except as allowed by law;
  • upload malware or use the service to send spam or abusive content.

5. Your content

Your goals, amounts, and logs are yours. You grant us the limited license needed to store and process them so we can provide the service to you. We don't claim ownership of your content and we don't sell it.

6. Plans and fees

WyPlan currently offers a free plan. [If/when paid plans launch: describe pricing, billing cycle, renewals, refunds, and how to cancel — and note that fees are handled by the payment processor.]

7. Our intellectual property

WyPlan, including its software, design, logo, and content we create, is owned by us and protected by law. These Terms don't grant you any rights to our branding except to use the service as intended.

8. Service availability & changes

We work to keep WyPlan reliable, but we may change, suspend, or discontinue features, and the service may occasionally be unavailable. We'll give reasonable notice of significant changes where we can.

9. Disclaimers

The service is provided "as is" and "as available," without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the service will be uninterrupted, error-free, or that its projections will be accurate.

10. Limitation of liability

To the fullest extent permitted by law, WyPlan and its team will not be liable for any indirect, incidental, or consequential damages, or for any financial losses arising from your savings decisions. [Add any liability cap and required jurisdiction-specific language with counsel.]

11. Termination

You can stop using WyPlan and delete your account at any time. We may suspend or end your access if you violate these Terms or to protect the service and its users.

12. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we'll notify you before they take effect. Continuing to use WyPlan after that means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of [GOVERNING LAW / JURISDICTION], without regard to conflict-of-laws rules. [Add dispute-resolution / venue terms with counsel.]

14. Contact

Questions about these Terms? Reach us at [CONTACT EMAIL].