Terms of Service

Effective Date: May 14, 2025

Welcome to Winford Wealth, a mobile application and digital service owned and operated by Fundaimental, Inc. ("Company", "we", "our", or "us"). These Terms of Service (“Terms”) govern your use of our website, mobile app, and services (collectively, the “Service”).

By using our Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Who We Are

Winford Wealth provides personalized financial guidance, digital financial tools, and access to licensed advisors. Our platform integrates with third-party services to help you view and manage your financial life more clearly.

2. Eligibility

You must be at least 18 years old and reside in the United States to use our Service. By using the Service, you represent and warrant that you meet these requirements.

3. Account Registration

To access key features, you must create an account. You agree to:

  • Provide accurate information
  • Keep your login credentials secure
  • Notify us immediately of unauthorized access

We reserve the right to suspend or terminate your account if we believe your account information is inaccurate, incomplete, or violates these Terms.

4. Financial Information via Third Parties

To provide a complete view of your financial situation, we use third-party services such as:

  • Plaid to connect with your bank and brokerage accounts
  • Supabase to securely store your account and usage data
  • PostHog to analyze app performance and user behavior

By using our app, you consent to the collection, use, and transfer of your financial and personal data through these services, in accordance with our Privacy Policy and their respective terms.

You acknowledge that:

  • Plaid is used to access your financial institution data on your behalf
  • We do not store your banking credentials
  • We are not responsible for errors or inaccuracies in the data provided by third parties

5. No Investment Advice Guarantee

While some portions of the Service may involve interaction with licensed investment professionals, no information provided by the app itself constitutes investment, legal, or tax advice. All investment decisions are solely your responsibility.

We do not guarantee any specific outcomes, returns, or results. Markets carry risk, and past performance is not indicative of future performance.

6. Subscription and Payment Terms

Some parts of the Service may require a paid subscription. By subscribing, you agree to:

  • Pay all applicable fees
  • Allow us to charge your payment method on a recurring basis

Fees are non-refundable except as required by law. You may cancel your subscription at any time via your App Store account settings.

7. User Conduct

You agree not to:

  • Use the Service for unlawful or fraudulent purposes
  • Interfere with or disrupt the Service or servers
  • Reverse engineer or attempt to gain unauthorized access to any part of the platform
  • Upload harmful or misleading content

We reserve the right to suspend or terminate accounts that violate these rules.

8. Intellectual Property

All content on the Service, including but not limited to trademarks, logos, software, and design, is the property of Fundaimental, Inc. or our licensors. You may not reproduce, distribute, or exploit any part of the Service without our express written consent.

9. Disclaimer of Warranties

The Service is provided “as is” and “as available,” without warranties of any kind. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that:

  • The Service will be uninterrupted or error-free
  • Data will be accurate or reliable
  • The app will be compatible with all devices

10. Limitation of Liability

To the maximum extent permitted by law, Fundaimental, Inc. shall not be liable for:

  • Any indirect, incidental, or consequential damages
  • Any loss of data, income, or profits
  • Damages arising from third-party service errors

If we are found liable despite the above, our total liability shall not exceed the amount you paid us in the previous 12 months.

11. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms.

You may terminate your use of the Service at any time by deleting your account and discontinuing use.

12. Changes to Terms

We may update these Terms periodically. We will notify you of significant changes by email or in-app notification. Continued use after updates constitutes your acceptance of the new terms.

13. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict of laws principles.

14. Contact Us

For questions about these Terms, contact us at:

Fundaimental, Inc.
169 Madison Ave Ste #11316
New York, NY 10016
📧 [email protected]