Terms of Service - Pluto Coach

Important Notice

Pluto Coach provides financial planning tools and educational content for informational purposes only. We are not a licensed financial advisor, investment advisor, or tax professional. All information provided is general in nature and should not be considered as personalized financial advice.

1. Acceptance of Terms

By accessing or using Pluto Coach's services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Service

Pluto Coach is a financial planning platform that provides:

Tools for tracking income, expenses, assets, and liabilities
Financial goal planning and progress tracking
Educational content about personal finance
Financial projections and calculations
AI-powered financial guidance (Wisdom plan)

3. User Responsibilities

As a user of our services, you agree to:

Provide accurate and complete information
Keep your account credentials secure and confidential
Use the service only for lawful purposes
Not attempt to gain unauthorized access to our systems
Not share your account with others
Comply with all applicable laws and regulations

4. Financial Advice Disclaimer

No Financial Advice

Pluto Coach does not provide personalized financial advice, investment recommendations, or tax advice. All content, tools, and calculations are for educational and informational purposes only. You should consult with qualified financial professionals before making any financial decisions.

5. Subscription and Payment

Our services are offered on a subscription basis:

Foundation Plan: ₹299 per month
Wisdom Plan: ₹699 per month
Free Trial: 14-day free trial for new users
Billing: Monthly billing, charged in advance
Cancellation: You may cancel your subscription at any time

6. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

7. Intellectual Property

All content, features, and functionality of Pluto Coach are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Pluto Coach shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of our services.

9. Service Availability

We strive to provide reliable service, but we cannot guarantee uninterrupted access. We may temporarily suspend or modify our services for maintenance, updates, or other reasons. We will provide reasonable notice when possible.

10. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason at our discretion. You may terminate your account at any time by contacting us or using the account deletion feature.

11. Governing Law

These terms are governed by the laws of India. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts in India.

12. Changes to Terms

We may update these terms from time to time. We will notify you of any material changes by email or through our platform. Your continued use of our services after such changes constitutes acceptance of the new terms.

13. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]

Support: [email protected]