1. Acceptance of Terms. By accessing or using VAULT ("Service"), operated by Vault Wealth IQ ("Company"), you agree to these Terms. If you do not agree, do not use the Service.

2. Description of Service. VAULT is a personal financial tracking and visualization tool. It aggregates user-provided financial data and displays insights. VAULT does not hold, transfer, or manage any funds. VAULT is not a bank, broker-dealer, investment advisor, financial planner, or credit counselor.

3. Not Financial Advice. All information, recommendations, projections, and calculations provided by VAULT, including those labeled as "AI Advisor" recommendations, are for informational and educational purposes only. They do not constitute financial, investment, tax, or legal advice. You should consult a qualified professional before making any financial decisions.

4. User Responsibilities. You are responsible for the accuracy of data you provide. You agree not to use the Service for any unlawful purpose, attempt to gain unauthorized access, or reverse-engineer any part of the Service.

5. Data Accuracy Disclaimer. Financial data displayed may be delayed, estimated, or rounded. Balances, interest calculations, payoff dates, and projections are approximations based on user-supplied data and mathematical models. Always verify figures with your financial institutions.

6. Account Security. You are responsible for maintaining the security of your login credentials. Notify us immediately of any unauthorized use of your account.

7. Intellectual Property. All content, design, code, and branding of VAULT are the intellectual property of Vault Wealth IQ. You may not copy, distribute, or create derivative works without written permission.

8. Limitation of Liability. VAULT is provided "as is" without warranties of any kind. The Company shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Service, including but not limited to financial losses resulting from reliance on information provided.

9. Termination. We may suspend or terminate your account at any time for violation of these Terms. You may delete your account at any time through the Settings panel.

10. Modifications. We reserve the right to modify these Terms at any time. Continued use after changes constitutes acceptance.

11. Governing Law. These Terms are governed by the laws of the State of California, without regard to conflict of law provisions.

12. Contact. Questions about these Terms may be directed to legal@vaultwealthiq.com.

1. Data We Collect. When you use VAULT, we collect: (a) account information you provide during registration (name, email); (b) financial data you manually enter or import (balances, transactions, account names); (c) usage data (pages viewed, features used); (d) device and browser information.

2. How We Use Your Data. Your data is used solely to: (a) display your financial dashboard and insights; (b) generate personalized recommendations; (c) improve the Service; (d) communicate with you about your account. We do not sell, rent, or trade your personal or financial data to third parties.

3. Data Storage. Session data is stored locally in your browser (localStorage). Financial data displayed in the dashboard is processed client-side and is not transmitted to or stored on external servers unless you explicitly choose to sync.

4. Third-Party Services. VAULT uses Google Fonts for typography, which may transmit your IP address to Google. No other third-party analytics, tracking, or advertising services are used.

5. Cookies & Local Storage. VAULT uses browser localStorage to maintain your session (login state, display name). No marketing cookies or tracking pixels are used. Google Fonts may set functional cookies.

6. Your Rights (GDPR/CCPA). You have the right to: (a) access your personal data; (b) correct inaccurate data; (c) request deletion of your data; (d) export your data in a portable format; (e) opt out of data collection. To exercise these rights, contact privacy@vaultwealthiq.com.

7. Data Retention. We retain your data only as long as your account is active. Upon account deletion, all associated data is permanently removed within 30 days.

8. Security Measures. We use SSL/TLS encryption for data in transit. Access to your dashboard requires authentication. We do not store passwords in plaintext.

9. Children's Privacy. VAULT is not intended for users under 18 years of age. We do not knowingly collect data from minors.

10. Changes to This Policy. We may update this Privacy Policy periodically. We will notify you of material changes via email or in-app notification.

11. Contact. For privacy-related inquiries: privacy@vaultwealthiq.com.