Legal Information

By accessing or using Synix Financial, you acknowledge and agree that we may collect, process, store, and use certain information to provide, secure, improve, and personalize the service. This may include personal identifiers, contact information, device and browser information, account settings, usage behavior, analytics data, uploaded documents, and financial data if you connect accounts through supported third-party services.

Financial data may include account names, balances, transactions, institutions, account masks, payment categories, merchant names, income and expense activity, loan-related information, investment-related information, and other data provided by connected services or uploaded by you.

We may access, review, and use data stored or transmitted through the platform when reasonably necessary to operate the service, provide support, troubleshoot errors, detect abuse, prevent fraud, improve features, comply with legal obligations, protect users, or enforce our terms. Access is restricted to authorized personnel, systems, or service providers with a legitimate business need.

We do not sell your personal financial data. We do not use your bank login credentials because bank connections, when available, are handled through secure third-party providers such as Plaid. We may use aggregated, de-identified, or anonymized data to understand usage trends, improve products, benchmark performance, or develop new features.

We use reasonable administrative, technical, and organizational safeguards to protect user data. However, no system can be guaranteed to be fully secure, uninterrupted, or immune from unauthorized access, misuse, service failures, or malicious activity. You acknowledge that use of online services carries inherent risk.

Visitor Tracking and Analytics

Before account creation or sign-in, we may generate a unique, random tracking identifier in your browser’s local storage or through similar technologies. This identifier helps us understand site navigation, feature usage, performance, fraud risk, and security patterns. It does not intentionally contain your name, email, bank credentials, or financial account login information.

When you create an account or sign in, this identifier may be associated with your account for analytics, security, fraud prevention, debugging, and product improvement. You may clear or disable this identifier by clearing browser storage or adjusting privacy settings, but some features, analytics, fraud prevention, or security controls may be limited.

Your Privacy Choices

Depending on your location, you may have rights to request access, correction, deletion, portability, restriction, or objection to certain processing of your data. These rights may be subject to identity verification, legal exceptions, security needs, fraud prevention, accounting requirements, and retention obligations.

To request access, deletion, or correction of your data, contact us using the contact section below. We may retain certain information as required for legal compliance, dispute resolution, security logs, fraud prevention, backups, or enforcement of our agreements.

By accessing or using Synix Financial, you agree to be bound by these terms and all policies referenced on this page. If you do not agree, you must not access or use the platform.

You are responsible for ensuring that your use of the platform complies with all applicable laws, rules, regulations, and obligations. You must provide accurate information, keep your account secure, and promptly notify us of unauthorized access or suspicious activity.

User Rights

• Use the application features for their intended and lawful purpose.
• Access your data stored through the application, where available.
• Request deletion or correction of account data, subject to verification and lawful retention needs.
• Disconnect supported third-party integrations when available.

Prohibited Conduct

You agree not to, and will not attempt to:

• Copy, reproduce, modify, reverse engineer, decompile, scrape, or extract any part of the platform except as allowed by law.
• Bypass, disable, or interfere with authentication, authorization, rate limits, payment gates, security controls, or data integrity systems.
• Use bots, crawlers, automated scripts, load testing tools, or scrapers without written permission.
• Upload malware, malicious code, harmful files, stolen data, illegal content, or content that violates another party’s rights.
• Misrepresent your identity, impersonate another person, or create accounts for fraudulent purposes.
• Use the platform to make unlawful financial decisions, commit fraud, hide assets, evade debts, launder money, or violate sanctions.
• Resell, sublicense, commercialize, or provide unauthorized access to the platform or its components.

Account Security and Responsibility

We do not store your bank usernames or bank passwords. External account linking is handled through secure third-party providers where available. You are responsible for safeguarding your login credentials, devices, authentication methods, and account access.

You are responsible for activity under your account unless the activity was caused by our proven failure to apply reasonable security measures. We are not responsible for unauthorized access caused by shared devices, weak passwords, compromised email accounts, phishing, malware, credential reuse, or your disclosure of sensitive information.

Suspension and Termination

We may suspend, restrict, or terminate access if we believe your account violates these terms, creates risk, causes harm, violates law, abuses the platform, interferes with security, or threatens the rights of other users or Synix Financial.

Service Availability

We may modify, pause, discontinue, update, remove, or limit parts of the platform at any time. We do not guarantee uninterrupted availability, error-free operation, or compatibility with every device, browser, financial institution, or third-party service.

Synix Financial may provide budgeting insights, spending analysis, educational information, projections, summaries, AI-generated explanations, and general financial guidance. Unless separately agreed in writing, Synix Financial does not provide legal, tax, accounting, insurance, brokerage, or registered investment advisory services.

AI-generated responses and automated insights may be incomplete, inaccurate, outdated, or based on limited data. You should not rely solely on the platform to make financial, investment, legal, tax, lending, credit, or insurance decisions. Always review important decisions independently and consult qualified professionals when needed.

Past performance, estimates, scores, projections, budgets, forecasts, alerts, or recommendations do not guarantee future results. You remain solely responsible for your financial decisions and for verifying information before acting on it.

To the fullest extent permitted by law, Synix Financial and its owners, employees, contractors, affiliates, service providers, and partners will not be liable for indirect, incidental, special, consequential, punitive, exemplary, or lost-profit damages arising from your use of the platform.

This includes, without limitation, damages related to data loss, account access issues, financial decisions, inaccurate data, delayed syncing, third-party service outages, unauthorized access caused by user-side security failures, loss of business, or reliance on AI-generated content.

Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you. In that case, liability will be limited to the maximum extent permitted by applicable law.

Our platform may use cookies, local storage, session storage, pixels, logs, and similar technologies to operate the service, remember preferences, keep users signed in, measure performance, improve features, and protect against fraud or abuse.

We may use these technologies to:

• Keep you signed in and maintain secure sessions.
• Remember user settings, preferences, and device choices.
• Measure traffic, errors, performance, and usage patterns.
• Detect suspicious activity, abuse, or unauthorized access attempts.
• Improve product design, onboarding, and feature reliability.

We do not sell cookie data. You may block, clear, or limit cookies through your browser settings. Some features may not work properly if cookies or local storage are disabled.

We take data protection seriously and use multiple safeguards designed to reduce unauthorized access, misuse, loss, and service abuse. Security measures may include encryption in transit, access controls, monitoring, logging, dependency updates, vulnerability review, backups, least-privilege permissions, and incident response procedures.

• HTTPS/TLS encryption for data transmitted between browsers, apps, and servers.
• Authentication and authorization checks for protected resources.
• Limited internal access to user data based on business need.
• Monitoring for suspicious activity, abuse, and platform errors.
• Regular review of dependencies, system configuration, and security controls.
• Backups and recovery procedures where appropriate.

No security system is perfect. You agree that breaches, outages, vulnerabilities, third-party failures, phishing, malware, and other risks may still occur. We will work to respond appropriately to confirmed incidents that affect user privacy, security, or data integrity.

Synix Financial may rely on trusted third-party services for authentication, hosting, analytics, payments, bank connectivity, data storage, AI features, communication, monitoring, and infrastructure.

• Firebase / Google Cloud: authentication, database services, storage, hosting, infrastructure, and security features.
• Stripe: payment processing, billing, subscriptions, invoices, and fraud prevention.
• Plaid: secure connection to supported financial institutions and financial account data retrieval.
• OpenAI: natural language processing, AI-generated explanations, summaries, and intelligent assistant features.

Third-party services may collect, process, or store information according to their own terms and privacy policies. Synix Financial is not responsible for independent third-party platforms, outages, security practices, data handling, or policy changes.

© 2026 Synix Financial. All rights reserved. All content, design, copy, source code, branding, product concepts, user interface elements, logos, workflows, databases, and platform materials are owned by Synix Financial or its licensors unless otherwise stated.

You may not copy, reproduce, modify, distribute, display, publish, sell, sublicense, reverse engineer, or create derivative works from any part of the platform without prior written permission.

All third-party product names, company names, logos, brands, and trademarks are property of their respective owners. References to Firebase, Google Cloud, Stripe, Plaid, OpenAI, or other providers do not imply endorsement, sponsorship, partnership, or affiliation unless expressly stated in writing.

We may update, modify, or replace this legal page at any time. Updates may reflect changes in law, technology, third-party services, business operations, security practices, or product features.

Continued use of the platform after changes are posted means you accept the updated terms and policies. If a change materially affects your rights or obligations, we may provide additional notice where required by law.

For legal, privacy, security, or account-related questions, contact Synix Financial using your official support or legal email address.