Terms of Service

1. Introduction and Acceptance of Terms

Welcome to Aureus.

These Terms of Service ("Terms") govern your access to and use of the Aureus website, applications, software, artificial intelligence features, financial tools, educational content, and all related products and services (collectively, the "Services") provided by Aureus Money, LLC ("Aureus," "we," "our," or "us").

By creating an account, accessing, or using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference.

If you do not agree to these Terms, you may not access or use the Services.

1.1 Updates to These Terms

Aureus may revise these Terms from time to time to reflect changes in our Services, applicable laws, business practices, or security requirements.

When changes are made, the "Last Updated" date at the beginning of these Terms will be revised.

If we make material changes, Aureus may provide additional notice through the Services, by email, or by other reasonable means as required by applicable law.

Your continued use of the Services after revised Terms become effective constitutes your acceptance of the updated Terms, except where applicable law requires additional consent.

1.2 Privacy Policy

Your use of the Services is also governed by the Aureus Privacy Policy.

The Privacy Policy explains how Aureus collects, uses, stores, protects, and discloses personal information.

If any conflict exists between these Terms and the Privacy Policy regarding the processing of personal information, the Privacy Policy shall govern with respect to those privacy matters.

1.3 Additional Terms

Certain features or services offered by Aureus may be subject to additional terms, disclosures, or agreements.

Where additional terms apply, they are incorporated into these Terms by reference and become part of your agreement with Aureus with respect to the applicable feature or service.

If there is a conflict between these Terms and any feature-specific agreement, the feature-specific agreement shall govern solely with respect to that feature.

1.4 Electronic Communications

By using the Services, you consent to receive communications from Aureus electronically, including by email, in-app notifications, or through the Services.

These communications may include:

Account notifications.
Security alerts.
Service announcements.
Legal notices.
Billing information.
Product updates.
Customer support communications.

You agree that electronic communications satisfy any legal requirement that communications be provided in writing, except where applicable law requires otherwise.

1.5 Entire Agreement

These Terms, together with the Privacy Policy and any additional agreements expressly incorporated by reference, constitute the complete agreement between you and Aureus regarding your use of the Services and supersede all prior or contemporaneous understandings relating to the subject matter of these Terms.

2. Eligibility and User Accounts

To use the Services, you must create and maintain a valid Aureus account.

By creating an account or using the Services, you represent and warrant that you satisfy the eligibility requirements set forth in this Section.

2.1 Eligibility

You may use the Services only if you:

Are at least 18 years of age or the age of majority in your jurisdiction, whichever is greater.
Have the legal capacity to enter into a binding contract.
Are not prohibited from using the Services under applicable law.
Will use the Services only for lawful purposes and in accordance with these Terms.

The Services are intended for individual consumers seeking to better understand and manage their personal finances unless Aureus expressly provides business or enterprise services.

2.2 Account Registration

To access certain features of the Services, you must create an account and provide accurate, complete, and current information.

You agree to:

Provide truthful and accurate registration information.
Promptly update your information if it changes.
Maintain only one personal account unless otherwise authorized by Aureus.
Use only an email address that you are authorized to control.

Aureus reserves the right to reject, suspend, or terminate accounts that contain false, misleading, or incomplete information.

2.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to:

Maintain a strong, unique password.
Protect your authentication credentials.
Enable multi-factor authentication where available.
Log out of shared or public devices after each session.
Notify Aureus immediately if you believe your account has been compromised or accessed without authorization.

Aureus is not responsible for losses resulting from your failure to protect your account credentials or comply with reasonable security practices.

2.4 Account Ownership

The account you create is personal to you.

You may not:

Sell your account.
Transfer your account to another person.
Share your login credentials.
Allow another individual to access the Services through your account without Aureus's authorization.

Aureus reserves the right to suspend or terminate accounts that violate these restrictions.

2.5 Identity Verification

Aureus may, but is not obligated to, request additional information to verify your identity or confirm the accuracy of account information.

Failure to provide requested information may limit your ability to access certain features or continue using the Services.

2.6 Unauthorized Access

If Aureus reasonably believes that an account has been compromised, is being used fraudulently, or presents a security risk to the Services or other users, Aureus may:

Restrict access to the account.
Require credential resets.
Suspend certain platform features.
Temporarily disable the account.
Terminate the account where appropriate.

Where reasonably practicable, Aureus will attempt to notify affected users before or promptly after taking such action.

2.7 User Responsibilities

You are responsible for all activity conducted through your account, whether authorized by you or resulting from your failure to safeguard your credentials.

You agree not to:

Misrepresent your identity.
Impersonate another individual or organization.
Attempt to gain unauthorized access to another user's account.
Circumvent authentication or security controls.
Use automated methods to create accounts without Aureus's authorization.

2.8 Account Termination by User

You may close your account at any time by following the account closure process provided within the Services or by contacting Aureus.

Termination of your account does not automatically delete information that Aureus is required or permitted to retain under applicable law, our Privacy Policy, or legitimate business purposes.

2.9 Survival of Obligations

Termination or closure of an account does not affect any rights or obligations that, by their nature, should survive termination, including provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, payment obligations, and applicable legal compliance.

3. Description of the Services

Aureus provides a technology platform designed to help users better understand, organize, and manage their personal financial information.

The Services are intended to assist users by aggregating financial information, providing educational resources, generating financial analytics, and offering tools that support informed financial decision-making.

The Services are intended to enhance financial awareness and organization. Final financial decisions remain the sole responsibility of the user.

3.1 Core Services

Depending on the features available and your subscription level, the Services may include:

Financial account aggregation.
Transaction history and categorization.
Budgeting tools.
Cash flow analysis.
Net worth tracking.
Financial health scoring.
Goal tracking.
Investment portfolio monitoring.
Educational financial content.
Artificial intelligence-powered financial assistance.
Financial dashboards, reports, and visualizations.

Additional features may be introduced from time to time as Aureus continues to develop and improve the Services.

3.2 Financial Account Connectivity

Certain features of the Services require users to connect financial accounts through authorized third-party service providers.

Aureus does not directly access or collect your online banking usernames or passwords.

Financial information is obtained only after you authorize the connection through supported third-party providers, such as Plaid.

The availability, accuracy, and timeliness of financial information depend upon the connected financial institution and third-party providers.

3.3 Educational Purpose

The Services are designed to promote financial literacy, improve financial organization, and provide users with educational information regarding personal finance.

Educational content may include articles, lessons, calculators, visualizations, financial metrics, and AI-generated explanations intended to help users better understand financial concepts.

Educational content is provided for informational purposes only and should not be interpreted as professional financial, legal, tax, accounting, or investment advice.

3.4 Financial Health Score

Aureus may generate one or more proprietary financial health metrics or scores based on information available through the Services.

These scores are intended solely to provide users with educational insight into various aspects of their personal financial condition.

Unless expressly stated otherwise by Aureus, these scores:

Are proprietary to Aureus.
Are informational only.
Are not credit scores.
Are not consumer reports.
Are not lending decisions.
Are not investment recommendations.
Are not guarantees of future financial outcomes.

Users remain responsible for evaluating their own financial circumstances and making independent financial decisions.

3.5 Artificial Intelligence Features

Certain features of the Services may incorporate artificial intelligence technologies to assist users in understanding financial information and interacting with the platform.

Artificial intelligence may be used to:

Explain financial concepts.
Summarize financial information.
Answer user questions.
Provide educational guidance.
Generate personalized financial insights based on user-authorized information.

Artificial intelligence responses are generated algorithmically and may occasionally contain inaccuracies, omissions, or outdated information.

Users should independently verify important information before relying upon AI-generated content.

Additional terms governing artificial intelligence features are set forth elsewhere in these Terms.

3.6 Availability of the Services

Aureus continually develops and improves the Services.

Accordingly, Aureus reserves the right to:

Modify features.
Add new functionality.
Remove features.
Suspend portions of the Services.
Discontinue features.
Perform maintenance.
Release updates.

Aureus will use commercially reasonable efforts to minimize service interruptions but does not guarantee uninterrupted or error-free operation.

3.7 Beta Features

From time to time, Aureus may offer experimental, preview, beta, or early-access features.

Beta features:

May contain defects or inaccuracies.
May change without notice.
May be discontinued at any time.
May not perform as expected.

Users electing to use beta features do so at their own discretion.

3.8 No Guarantee of Financial Outcomes

While Aureus is designed to help users better understand and manage their finances, Aureus does not guarantee:

Financial improvement.
Debt reduction.
Investment performance.
Budget success.
Goal achievement.
Increased savings.
Future financial results.

The effectiveness of the Services depends upon numerous factors outside Aureus's control, including user decisions, market conditions, economic circumstances, and the accuracy of information provided by users and third-party data sources.

4. Financial Data Connectivity and Third-Party Financial Providers

Certain features of the Services require access to financial information maintained by third-party financial institutions.

To provide these features, Aureus integrates with authorized third-party financial data providers, including Plaid Technologies, Inc. ("Plaid"), to securely retrieve financial information that you authorize us to access.

Your use of financial account connectivity features is subject to this Section in addition to any applicable agreements between you, your financial institution, and third-party providers.

4.1 Authorization to Access Financial Information

By connecting a financial account through the Services, you expressly authorize Aureus and its authorized financial data providers to access, retrieve, transmit, and process financial information from your designated financial institution solely for the purpose of providing the Services.

You represent and warrant that:

You are the owner of the financial account or otherwise have legal authority to authorize access.
The information you provide is accurate.
Your authorization does not violate any agreement with your financial institution or applicable law.

You may revoke this authorization at any time by disconnecting the applicable financial account through the Services, subject to applicable data retention requirements described in our Privacy Policy.

4.2 Third-Party Financial Data Providers

Financial account connectivity is provided through independent third-party providers.

These providers may include Plaid and other financial connectivity services that Aureus may support in the future.

Your use of these services may also be governed by the providers' own terms, privacy policies, and applicable agreements.

Aureus is not responsible for the independent acts, omissions, security practices, or policies of third-party providers.

4.3 Financial Institution Availability

The availability of financial data depends upon your financial institution and third-party connectivity providers.

Accordingly, Aureus does not guarantee:

Continuous connectivity.
Successful account linking.
Availability of every financial institution.
Timely synchronization.
Accuracy or completeness of information received from third parties.
Availability of historical financial data.

Temporary interruptions may occur due to maintenance, technical failures, security measures, institutional policies, or circumstances beyond Aureus's reasonable control.

4.4 Accuracy of Financial Information

Aureus displays financial information received from financial institutions and authorized third-party providers.

Although Aureus seeks to present information accurately, Aureus does not independently verify every transaction, balance, investment holding, liability, or other financial record received from third-party sources.

Users remain responsible for reviewing their financial information and promptly reporting discrepancies to the applicable financial institution.

Official records maintained by your financial institution govern in the event of any discrepancy.

4.5 User Responsibilities

You are responsible for:

Maintaining valid access to your financial institutions.
Keeping connected account information current.
Reviewing imported financial information for accuracy.
Disconnecting financial institutions you no longer wish to share with Aureus.
Complying with the terms of your financial institution.

You acknowledge that Aureus cannot modify, correct, or control records maintained by your financial institution.

4.6 Revocation of Access

You may revoke Aureus's access to a connected financial institution at any time by disconnecting the account through the Services.

Following revocation:

Aureus will cease retrieving new financial information from the disconnected account.
Previously imported information may remain within the Services in accordance with our Privacy Policy, legal obligations, backup procedures, and legitimate business purposes.
Certain historical reports or analyses generated before disconnection may continue to be available unless deleted in accordance with applicable law.

4.7 No Custody of Assets

Aureus does not hold customer funds, securities, digital assets, or other financial assets.

Aureus does not initiate transfers of funds, execute securities transactions, provide custody services, or act as a financial institution.

All financial assets remain under the control of the applicable financial institution, broker, custodian, or other authorized provider.

4.8 Suspension of Connectivity

Aureus may temporarily suspend or permanently discontinue connectivity with any financial institution or third-party provider if necessary to:

Protect the security of the Services.
Comply with legal or regulatory requirements.
Address technical issues.
Respond to provider limitations or contractual obligations.
Prevent fraud or unauthorized activity.

Where reasonably practicable, Aureus will provide notice of material service interruptions affecting connected financial accounts.

5. Artificial Intelligence Features

Certain features of the Services incorporate artificial intelligence ("AI") technologies to assist users in understanding financial information, navigating the Services, and accessing educational financial content.

The AI features are designed to supplement—not replace—independent judgment and informed decision-making.

Users remain solely responsible for evaluating all information and making their own financial decisions.

5.1 Purpose of AI Features

AI features are intended to help users:

Understand financial concepts.
Interpret financial information.
Navigate the Services.
Summarize financial data.
Learn personal finance principles.
Receive educational explanations.
Better understand the Aureus Financial Health Score.
Identify opportunities for improved financial organization.

AI features are intended solely as educational and informational tools.

5.2 No Autonomous Decision Making

The AI provided through the Services does not:

Make financial decisions on your behalf.
Execute transactions.
Buy or sell investments.
Transfer money.
Open or close financial accounts.
Apply for financial products.
Enter into contracts on your behalf.
Communicate with financial institutions on your behalf.

All actions affecting your financial accounts must be initiated and authorized by you or through separately authorized services.

5.3 AI Limitations

Artificial intelligence systems generate responses algorithmically based upon available information and may occasionally produce:

Inaccurate information.
Incomplete information.
Outdated information.
Ambiguous responses.
Unexpected results.

Accordingly, users should independently verify important information before relying upon AI-generated content.

5.4 User Responsibility

You remain solely responsible for:

Evaluating AI-generated information.
Verifying financial information.
Consulting qualified professionals where appropriate.
Making your own financial decisions.
Determining whether AI-generated information is appropriate for your circumstances.

Your use of AI-generated information is entirely at your own discretion and risk.

5.5 No Fiduciary Relationship

The availability or use of AI features does not create:

A fiduciary relationship.
An investment advisory relationship.
A broker-client relationship.
A legal advisor-client relationship.
An accountant-client relationship.
Any other professional advisory relationship.

The AI functions solely as an informational feature of the Services.

5.6 AI Data Processing

To provide AI functionality, Aureus may process information that you submit to AI features, including information derived from your authorized financial data.

Where practical, Aureus minimizes the amount of information shared with AI service providers and limits processing to the information reasonably necessary to generate the requested response.

Users should avoid submitting unnecessary sensitive information through AI interactions.

Information processed through AI features remains subject to the Aureus Privacy Policy.

5.7 Availability of AI Features

AI features may:

Change over time.
Produce varying responses.
Be modified or discontinued.
Be temporarily unavailable due to maintenance, technical issues, or third-party service interruptions.

Aureus does not guarantee uninterrupted availability of AI functionality.

5.8 Feedback and Model Improvement

Aureus may use user feedback regarding AI-generated responses to improve the quality, accuracy, safety, and reliability of the Services.

Where practical, Aureus seeks to use aggregated, anonymized, or de-identified information for product improvement.

Aureus does not use user financial information to train publicly available artificial intelligence models.

5.9 Reservation of Control

Aureus reserves the right to:

Limit AI functionality.
Restrict certain prompts.
Refuse requests that violate applicable law or these Terms.
Implement safety controls.
Modify AI behavior.
Disable AI features for security, operational, or legal reasons.

These safeguards are intended to protect users, maintain platform integrity, and promote responsible use of AI technologies.

6. No Professional Financial, Investment, Tax, Legal, or Accounting Advice

The Services are intended solely to provide educational information, financial organization tools, analytics, and general financial wellness resources.

Nothing provided through the Services, including financial information, educational content, financial health scores, calculators, reports, dashboards, alerts, visualizations, AI-generated responses, or other materials, constitutes professional advice.

Users remain solely responsible for evaluating their own financial circumstances and making their own financial decisions.

6.1 No Financial Advice

Aureus is not a registered investment adviser, broker-dealer, financial planner, financial institution, lender, credit repair organization, or fiduciary.

Nothing contained within the Services should be interpreted as:

Financial advice.
Investment advice.
Retirement planning advice.
Wealth management services.
Portfolio management.
Asset allocation recommendations.
Credit counseling.
Debt management services.
Insurance advice.

The Services are intended solely to provide educational information and analytical tools that assist users in understanding their personal finances.

6.2 No Investment Recommendations

The Services do not recommend that users:

Purchase securities.
Sell securities.
Hold securities.
Trade financial instruments.
Buy or sell digital assets.
Time financial markets.
Select specific investments.

Any references to investments, investment strategies, market performance, historical returns, diversification, or portfolio concepts are provided solely for educational purposes.

Past performance does not guarantee future results.

Investing involves risk, including the possible loss of principal.

6.3 No Tax Advice

Information provided through the Services does not constitute tax advice.

Tax laws vary by jurisdiction and individual circumstances.

Users should consult a qualified tax professional regarding tax-related matters.

6.4 No Legal Advice

The Services do not provide legal advice or establish an attorney-client relationship.

Users should consult qualified legal counsel regarding legal matters affecting their individual circumstances.

6.5 No Accounting Advice

The Services do not provide accounting, bookkeeping, auditing, or certified public accounting services.

Users should consult qualified accounting professionals regarding accounting matters.

6.6 Educational Purpose

The Services are intended to improve financial literacy and assist users in organizing and understanding their financial information.

Educational content is designed to explain financial concepts and promote informed decision-making.

Educational content should not be interpreted as individualized professional advice.

6.7 No Fiduciary Relationship

Your use of the Services does not create a fiduciary relationship between you and Aureus.

Aureus does not undertake a duty to act in your best financial interest and does not assume responsibility for managing your financial affairs.

You remain solely responsible for all financial decisions and outcomes.

6.8 User Responsibility

You acknowledge and agree that:

You are solely responsible for your financial decisions.
You are responsible for verifying important financial information.
You should consult qualified professionals when appropriate.
You assume all risks associated with decisions made using information available through the Services.
Aureus is not responsible for financial outcomes resulting from your decisions.

6.9 No Guarantee of Results

Aureus does not guarantee that use of the Services will result in:

Improved financial health.
Increased savings.
Reduced debt.
Improved creditworthiness.
Investment gains.
Retirement readiness.
Achievement of financial goals.
Any other financial outcome.

Financial outcomes depend upon numerous factors outside Aureus's control, including market conditions, economic circumstances, individual behavior, third-party information, and user decisions.

6.10 Professional Consultation Encouraged

Users should seek advice from appropriately qualified financial, legal, tax, accounting, or other professional advisors before making significant financial or legal decisions.

The Services are intended to complement—not replace—professional advice where such advice is appropriate.

7. User Responsibilities

Your use of the Services carries certain responsibilities. By accessing or using the Services, you agree to comply with these Terms and to use the Services in a lawful, responsible, and respectful manner.

You remain solely responsible for your decisions, actions, and use of the Services.

7.1 Accurate Information

You agree to provide information that is accurate, complete, and current.

You are responsible for promptly updating your account information if it changes.

You agree not to:

Provide false or misleading information.
Impersonate another individual or organization.
Use another person's identity without authorization.
Create accounts using fraudulent information.

Aureus may suspend or terminate accounts containing materially inaccurate or fraudulent information.

7.2 Protection of Account Credentials

You are responsible for maintaining the confidentiality and security of your account credentials.

You agree to:

Use a strong, unique password.
Protect your authentication credentials.
Enable multi-factor authentication where available.
Notify Aureus immediately of suspected unauthorized access.
Log out of shared or public devices after each session.

You are responsible for activities conducted through your account unless prohibited by applicable law.

7.3 Responsible Use of Financial Information

You acknowledge that the financial information presented through the Services is intended to assist you in understanding your finances.

You remain solely responsible for:

Reviewing imported financial information.
Confirming the accuracy of account balances and transactions.
Verifying important financial information.
Monitoring your financial accounts.
Making your own financial decisions.

Official records maintained by your financial institution govern in the event of any discrepancy.

7.4 Compliance with Laws

You agree to use the Services only in compliance with all applicable laws, regulations, and contractual obligations.

You may not use the Services in connection with activities that are unlawful, fraudulent, deceptive, or intended to facilitate illegal conduct.

7.5 Appropriate Use of AI Features

When using AI-powered features, you agree that you will not:

Attempt to bypass safety mechanisms.
Attempt to manipulate or exploit AI system behavior.
Submit prompts intended to obtain unauthorized information.
Use AI features to facilitate unlawful activities.
Represent AI-generated responses as professional advice.

You acknowledge that AI responses should be independently evaluated before being relied upon.

7.6 Protection of Your Devices

You are responsible for maintaining the security of the devices you use to access the Services.

This includes taking reasonable measures to:

Keep software up to date.
Use reputable security software where appropriate.
Protect your devices from unauthorized access.
Secure your internet connections.

Aureus is not responsible for security incidents arising from compromised user devices.

7.7 Respect for the Services

You agree not to interfere with the operation, availability, or security of the Services.

You will not knowingly take actions that could:

Disrupt the Services.
Degrade system performance.
Circumvent security controls.
Interfere with other users' access.
Damage Aureus infrastructure.

7.8 Cooperation During Security Incidents

If Aureus reasonably believes that your account has been compromised or is involved in unauthorized activity, you agree to cooperate with reasonable requests necessary to investigate, secure, or restore your account.

This may include:

Verifying your identity.
Resetting authentication credentials.
Confirming account activity.
Following reasonable security instructions provided by Aureus.

7.9 Responsibility for Decisions

You acknowledge that:

You make your own financial decisions.
You are responsible for evaluating information provided through the Services.
You assume responsibility for actions taken based upon information available through the Services.
Aureus does not control your financial decisions or financial outcomes.

7.10 Compliance with Future Features

As Aureus introduces new features, you agree to use those features in accordance with these Terms, any feature-specific agreements, and all applicable laws and regulations.

Continued use of newly introduced features may be subject to additional disclosures or agreements where appropriate.

8. Acceptable Use

Aureus grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services solely for their intended purpose and in accordance with these Terms.

You agree to use the Services responsibly and refrain from any activity that could harm Aureus, its users, or the integrity, security, or availability of the Services.

8.1 Lawful Use

You may use the Services only for lawful purposes and in compliance with all applicable laws, regulations, and contractual obligations.

You may not use the Services to:

Commit or facilitate unlawful activity.
Engage in fraud or deceptive practices.
Violate the rights of others.
Circumvent legal or regulatory requirements.
Assist others in unlawful conduct.

8.2 Unauthorized Access

You may not:

Access accounts belonging to another person.
Attempt to bypass authentication or authorization mechanisms.
Circumvent security controls.
Use stolen or unauthorized credentials.
Attempt to elevate privileges.
Exploit vulnerabilities.
Probe, scan, or test the security of the Services without Aureus's prior written authorization.

8.3 Interference with the Services

You may not:

Disrupt the operation of the Services.
Interfere with another user's access.
Overload or impair system resources.
Launch denial-of-service or similar attacks.
Introduce malware, ransomware, viruses, worms, Trojan horses, or other malicious code.
Interfere with network communications or infrastructure.

8.4 Reverse Engineering and Security Circumvention

Except where expressly permitted by applicable law, you may not:

Reverse engineer the Services.
Decompile or disassemble software.
Attempt to discover source code.
Circumvent technological protection measures.
Remove security controls.
Defeat license enforcement mechanisms.

8.5 Automated Access

You may not use automated means to access the Services without Aureus's prior written authorization.

Prohibited activities include:

Unauthorized bots.
Scraping.
Automated account creation.
Credential stuffing.
Excessive automated requests.
Unauthorized API use.
Bulk data extraction.
Automated collection of user information.

Reasonable search engine indexing and other authorized automated activities are permitted where expressly approved by Aureus.

8.6 Misuse of Artificial Intelligence Features

You may not use AI features to:

Generate unlawful content.
Facilitate fraud.
Circumvent platform safety controls.
Attempt to reveal confidential system prompts.
Attempt to obtain confidential business information.
Generate malicious software.
Conduct social engineering attacks.
Produce content that infringes the rights of others.

You may not intentionally manipulate AI systems in a manner designed to compromise the security, integrity, or intended operation of the Services.

8.7 Financial Misuse

You may not use the Services to:

Commit financial fraud.
Misrepresent financial information.
Facilitate money laundering.
Support terrorist financing.
Engage in identity theft.
Mislead financial institutions.
Circumvent applicable financial regulations.

8.8 Intellectual Property Violations

You may not:

Copy the Services except as expressly permitted.
Remove copyright notices.
Misappropriate proprietary content.
Infringe upon the intellectual property rights of Aureus or third parties.
Use Aureus trademarks without authorization.

8.9 Abuse of Other Users

You may not:

Harass other users.
Threaten or intimidate others.
Impersonate another individual.
Attempt to obtain another user's credentials.
Collect personal information about other users without authorization.
Interfere with another user's use of the Services.

8.10 Security Reporting

If you discover a potential security vulnerability affecting the Services, Aureus encourages responsible disclosure through the designated security reporting channel.

You agree not to publicly disclose security vulnerabilities before Aureus has had a reasonable opportunity to investigate and address the issue.

Nothing in this Section prohibits disclosures protected by applicable law or good-faith security research conducted in compliance with Aureus's Vulnerability Disclosure Policy, if one is published.

8.11 Enforcement

Aureus reserves the right to investigate suspected violations of these Terms.

Where Aureus reasonably determines that a violation has occurred, Aureus may, in its sole discretion and to the extent permitted by applicable law:

Issue warnings.
Remove content.
Restrict access to features.
Suspend accounts.
Terminate accounts.
Report unlawful activity to appropriate authorities.
Pursue any other remedies available under applicable law or these Terms.

Nothing in this Section obligates Aureus to monitor user activity or enforce these Terms in any particular manner.

8.12 Reservation of Rights

Any use of the Services that is inconsistent with these Terms or that, in Aureus's reasonable judgment, threatens the security, integrity, availability, reputation, or lawful operation of the Services may result in immediate action, including suspension or termination of access.

Aureus reserves all rights and remedies available under applicable law with respect to violations of these Terms.

9. Intellectual Property

The Services, including all software, content, technology, designs, algorithms, visual elements, and other materials made available through the Services, are owned by Aureus or its licensors and are protected by applicable intellectual property laws.

Except as expressly permitted by these Terms, no rights are granted to you other than the limited license described below.

9.1 Ownership

Aureus retains all right, title, and interest in and to the Services, including all present and future intellectual property rights.

Protected materials include, but are not limited to:

Software and source code.
Object code.
Website and application design.
User interface and user experience designs.
Databases and database structures.
Financial models.
Proprietary scoring methodologies.
The Aureus Financial Health Score.
Artificial intelligence workflows.
Prompt engineering and system prompts.
Educational content.
Written materials.
Videos.
Graphics.
Infographics.
Documentation.
Trademarks.
Logos.
Service marks.
Trade dress.
Trade secrets.
Business processes.
Know-how.

Nothing in these Terms transfers ownership of any intellectual property to you.

9.2 Limited License

Subject to your compliance with these Terms, Aureus grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Services solely for your personal, non-commercial use.

This license does not permit you to:

Copy the Services except as expressly authorized.
Modify the Services.
Create derivative works.
Redistribute the Services.
Commercially exploit the Services.
Resell access to the Services.
Remove proprietary notices.

All rights not expressly granted are reserved by Aureus.

9.3 Aureus Financial Health Score

The Aureus Financial Health Score, including its methodology, formulas, weighting, calculations, presentation, and underlying models, constitutes proprietary intellectual property of Aureus.

The score is provided solely for your personal use in connection with the Services.

Except as expressly authorized by Aureus, you may not:

Reverse engineer the scoring methodology.
Reproduce the scoring model.
Create derivative scoring systems based upon the methodology.
Commercially exploit the scoring methodology.
Misrepresent the score as your own proprietary work.

Nothing in these Terms grants ownership of the scoring methodology or related intellectual property.

9.4 Artificial Intelligence Systems

The architecture, prompts, workflows, safety mechanisms, and implementation of Aureus's AI features constitute proprietary technology and confidential business information.

You may not attempt to:

Extract system prompts.
Reverse engineer AI workflows.
Circumvent AI safeguards.
Reproduce proprietary prompt engineering.
Develop competing products using confidential information obtained through the Services.

9.5 User Content

You retain ownership of the information and content that you submit to the Services.

By submitting content through the Services, you grant Aureus a worldwide, non-exclusive, royalty-free license to host, process, store, reproduce, transmit, display, and otherwise use such content solely as necessary to operate, maintain, secure, improve, and provide the Services.

This license terminates when your content is deleted from the Services, except to the extent retention is required for backup systems, legal compliance, dispute resolution, security, or other legitimate business purposes described in our Privacy Policy.

9.6 Feedback

If you voluntarily provide suggestions, comments, ideas, recommendations, enhancement requests, bug reports, or other feedback regarding the Services ("Feedback"), you grant Aureus a perpetual, irrevocable, worldwide, royalty-free, transferable, and sublicensable license to use, modify, incorporate, publish, commercialize, and otherwise exploit such Feedback without restriction or compensation.

You acknowledge that Aureus is under no obligation to implement any Feedback.

9.7 Trademarks

"Aureus," the Aureus logo, "Your Financial Copilot," and all related names, logos, product names, service names, slogans, and branding elements are trademarks or service marks of Aureus or its licensors.

You may not use Aureus's trademarks without prior written permission, except as permitted by applicable law.

9.8 Copyright

All content made available through the Services, including text, graphics, images, videos, educational materials, software, and documentation, is protected by copyright and other intellectual property laws.

Except as expressly permitted by these Terms or applicable law, you may not reproduce, distribute, publicly display, publicly perform, modify, or create derivative works from such content without Aureus's prior written consent.

9.9 Reservation of Rights

Except for the limited license expressly granted under these Terms, Aureus reserves all rights, title, and interests in and to the Services and all associated intellectual property.

No license or right shall be implied by estoppel or otherwise.

10. Subscription, Billing, and Payments

Certain features of the Services may require payment of subscription fees or other charges.

By purchasing a paid subscription or other paid feature, you agree to the pricing, billing terms, and payment conditions presented at the time of purchase.

10.1 Subscription Plans

Aureus may offer one or more subscription plans, including trial, monthly, annual, enterprise, family, or other paid plans. The Personal Finance Foundations course may be offered separately at no cost.

Features available under each plan may differ.

Aureus reserves the right to modify available plans, pricing, features, and eligibility requirements at any time, subject to applicable law.

10.2 Billing Authorization

By purchasing a paid subscription, you authorize Aureus and its designated payment processor to charge your selected payment method for:

Subscription fees.
Applicable taxes.
Recurring charges.
Approved add-on services.
Other charges that you expressly authorize.

You represent that you are authorized to use the payment method provided.

10.3 Automatic Renewal

Unless otherwise stated at the time of purchase, paid subscriptions automatically renew at the end of each billing period.

By purchasing a recurring subscription, you authorize Aureus to automatically charge your payment method at the beginning of each renewal period until your subscription is canceled.

You may cancel automatic renewal at any time through your account settings or by contacting Aureus.

Cancellation prevents future renewals but does not entitle you to a refund for the current billing period except where required by applicable law or expressly stated in Aureus's refund policy.

10.4 Free Trials

Aureus offers eligible new users a 7-day free trial of the platform and may offer other promotional access to certain Services.

Unless otherwise disclosed at the time of enrollment, your subscription may automatically convert to a paid subscription at the conclusion of the trial period.

You may cancel before the trial ends to avoid future charges.

Eligibility for free trials may be limited, and Aureus reserves the right to modify or discontinue promotional offers at any time.

10.5 Price Changes

Aureus may change subscription fees or pricing for future billing periods.

Where required by applicable law, users will receive advance notice of material pricing changes before such changes become effective.

Continued use of a paid subscription after a price change becomes effective constitutes acceptance of the updated pricing.

10.6 Payment Processing

Payments are processed through independent third-party payment providers.

Aureus does not store complete payment card information.

Your use of third-party payment services may also be governed by their applicable terms and privacy policies.

Aureus is not responsible for errors, delays, or interruptions caused by third-party payment providers.

10.7 Taxes

Unless otherwise stated, subscription fees do not include applicable taxes.

You are responsible for paying any sales, value-added, goods and services, or similar taxes imposed in connection with your purchase, except for taxes based on Aureus's income.

10.8 Refunds

Except where required by applicable law or expressly provided in a written refund policy, subscription fees and other payments are non-refundable.

Refund requests may be evaluated on a case-by-case basis at Aureus's sole discretion.

Nothing in this Section limits any non-waivable rights provided by applicable consumer protection laws.

10.9 Failed Payments

If a payment cannot be successfully processed, Aureus may:

Retry the payment.
Suspend access to paid features.
Suspend or restrict access to subscription features.
Restrict premium functionality.
Terminate the subscription for non-payment.

You remain responsible for all amounts lawfully owed to Aureus.

10.10 Promotional Offers

Promotional pricing, discounts, referral programs, coupons, introductory offers, and other incentives may be subject to additional terms and eligibility requirements.

Aureus reserves the right to modify or discontinue promotional programs at any time.

10.11 Account Cancellation

You may cancel your paid subscription at any time.

Cancellation terminates future recurring billing but does not automatically delete your Aureus account or personal information.

Account deletion is governed separately by the Aureus Privacy Policy.

Unless otherwise stated, access to paid features will continue until the end of the current billing period.

10.12 Suspension for Non-Payment

Aureus reserves the right to suspend or terminate access to paid Services for failure to pay applicable fees.

Such suspension does not relieve you of your obligation to pay outstanding amounts owed under these Terms.

10.13 No Financial Institution Relationship

Payments made to Aureus are solely for access to the Services.

Payment of subscription fees does not establish a banking relationship, investment account, fiduciary relationship, custodial relationship, or other regulated financial relationship between you and Aureus.

11. Third-Party Services

The Services may integrate with or rely upon third-party products, services, websites, platforms, software, or application programming interfaces ("Third-Party Services") to provide certain functionality.

Your use of features that rely on Third-Party Services may also be subject to the terms, conditions, and privacy policies of those providers.

11.1 Third-Party Integrations

Aureus may integrate with Third-Party Services for purposes including, but not limited to:

Financial account connectivity.
Identity verification.
Payment processing.
Artificial intelligence services.
Cloud hosting and infrastructure.
Authentication and security.
Email and communication services.
Analytics.
Customer support.
Error monitoring.
Other operational or technical functions.

Aureus may add, remove, or replace Third-Party Services at its discretion.

11.2 Financial Institutions

Financial information displayed through the Services is obtained, directly or indirectly, from financial institutions and authorized connectivity providers.

Aureus does not control financial institutions or the availability, accuracy, formatting, timing, or completeness of information provided by them.

Financial institutions may modify or discontinue access to customer information at any time, which may affect the availability or functionality of certain Services.

Official records maintained by your financial institution govern in the event of any discrepancy.

11.3 Independent Providers

Third-Party Services are operated independently of Aureus.

Except where otherwise required by applicable law, Aureus is not responsible for:

The acts or omissions of Third-Party Service providers.
The availability of Third-Party Services.
Service interruptions caused by Third-Party Services.
Changes made by Third-Party providers.
Security incidents occurring within Third-Party systems.
The accuracy of information supplied by Third-Party Services.

11.4 Third-Party Terms

Certain Third-Party Services may require you to accept separate agreements or comply with additional terms.

Your relationship with those providers is governed by the applicable agreements between you and the Third-Party provider.

Nothing in these Terms modifies or replaces those agreements.

11.5 External Links

The Services may contain links to external websites or resources operated by third parties.

These links are provided solely for convenience.

Aureus does not endorse, control, or assume responsibility for:

External websites.
Third-party products or services.
Third-party content.
Third-party privacy practices.
Third-party security practices.

Access to third-party websites is at your own risk.

11.6 Artificial Intelligence Providers

Certain AI-powered functionality may rely on independent artificial intelligence providers.

Aureus implements its own application logic, safety controls, and user experience around such technologies, but the underlying AI models may be operated by third parties.

Model availability, performance, and functionality may change over time.

11.7 Payment Providers

Payments are processed through independent payment service providers.

Aureus does not process or store complete payment card information.

Payment transactions may be subject to the terms and policies of the applicable payment processor.

11.8 Communications Providers

Delivery of emails, notifications, verification codes, and other communications may depend upon Third-Party Services.

Aureus does not guarantee successful or timely delivery where delays or failures result from Third-Party providers, telecommunications networks, internet service providers, or factors outside Aureus's reasonable control.

11.9 No Endorsement

Reference to, integration with, or use of any Third-Party Service does not constitute an endorsement, sponsorship, partnership, or recommendation by Aureus unless expressly stated otherwise.

11.10 Reservation of Rights

Aureus reserves the right to modify, suspend, replace, or discontinue integrations with any Third-Party Service at any time, with or without notice, where reasonably necessary to maintain the security, functionality, or operation of the Services.

12. Disclaimers of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, AUREUS DISCLAIMS ALL WARRANTIES, CONDITIONS, REPRESENTATIONS, AND GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, OR THOSE ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions, the above exclusions apply only to the extent permitted by applicable law.

12.1 Service Availability

Aureus does not warrant that the Services will:

Be uninterrupted.
Be continuously available.
Be free from delays.
Be free from errors.
Be free from defects.
Meet every user's expectations.
Operate without maintenance or downtime.

Scheduled maintenance, emergency maintenance, internet outages, third-party failures, or circumstances beyond Aureus's reasonable control may affect availability.

12.2 Accuracy of Information

While Aureus strives to present accurate information, Aureus does not warrant that information displayed through the Services is always complete, current, accurate, or error-free.

Financial information may be delayed, unavailable, incomplete, or inaccurate due to:

Financial institution reporting.
Third-party providers.
Connectivity interruptions.
User-provided information.
Technical errors.
Data synchronization delays.

Users remain responsible for verifying important financial information before relying upon it.

12.3 Artificial Intelligence

Artificial intelligence features may generate responses that are incomplete, inaccurate, outdated, or otherwise imperfect.

AI-generated content should be treated as informational and educational only.

Users remain solely responsible for independently evaluating AI-generated information before relying upon it.

Aureus does not warrant the accuracy, completeness, reliability, or suitability of AI-generated content.

12.4 Educational Content

Educational articles, lessons, calculators, examples, illustrations, videos, graphics, and other educational materials are provided for general informational purposes only.

Educational materials may not reflect current laws, regulations, tax rules, market conditions, or individual circumstances.

Users should seek qualified professional advice where appropriate.

12.5 Financial Health Score

The Aureus Financial Health Score is a proprietary educational metric designed to assist users in understanding aspects of their financial health.

The Financial Health Score:

Is not a credit score.
Is not a consumer report.
Is not an investment rating.
Is not a lending decision.
Is not a guarantee of financial success.
Does not predict future financial outcomes.

No warranty is made regarding the accuracy, usefulness, or future predictive value of the Financial Health Score.

12.6 Third-Party Services

Aureus makes no warranty regarding:

Third-party providers.
Financial institutions.
Payment processors.
Artificial intelligence providers.
Internet service providers.
External websites.
Third-party applications.

Availability, performance, and functionality of Third-Party Services remain outside Aureus's reasonable control.

12.7 Security

Aureus implements commercially reasonable administrative, technical, and organizational safeguards designed to protect the Services and user information.

However, no method of transmitting or storing information electronically can be guaranteed to be completely secure.

Accordingly, Aureus does not warrant that the Services will be immune from cybersecurity incidents, unauthorized access, malicious attacks, or other security events.

Nothing in this Section limits any obligations expressly assumed by Aureus under applicable law.

12.8 Compatibility

Aureus does not warrant that the Services will operate with every:

Device.
Operating system.
Browser.
Financial institution.
Network configuration.
Third-party software.

Compatibility may change over time as technology evolves.

12.9 User Expectations

Aureus does not warrant that use of the Services will:

Improve your financial situation.
Increase savings.
Eliminate debt.
Improve creditworthiness.
Produce investment gains.
Prevent financial loss.
Achieve any particular financial objective.

Individual results depend upon numerous factors outside Aureus's reasonable control.

12.10 Applicable Law

Nothing in these Terms excludes or limits any warranty or consumer protection right that cannot lawfully be excluded under applicable law.

Where applicable law prohibits the exclusion of certain warranties, those warranties are limited to the minimum extent permitted by law.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE LIABILITY OF AUREUS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL BE LIMITED AS SET FORTH IN THIS SECTION.

Some jurisdictions do not permit certain limitations of liability. In those jurisdictions, the limitations below apply only to the extent permitted by applicable law.

13.1 Excluded Damages

To the fullest extent permitted by applicable law, Aureus shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages arising out of or relating to the Services, including, without limitation:

Lost profits.
Lost revenue.
Lost business opportunities.
Lost savings.
Loss of goodwill.
Loss of reputation.
Loss of anticipated benefits.
Loss of data.
Loss of use.
Business interruption.
Cost of substitute services.

This exclusion applies regardless of the legal theory asserted, including contract, tort (including negligence), strict liability, or otherwise, even if Aureus has been advised of the possibility of such damages.

13.2 Monetary Liability Cap

To the maximum extent permitted by applicable law, Aureus's total aggregate liability arising out of or relating to the Services shall not exceed the greater of:

The total amount you paid to Aureus for the Services during the twelve (12) months immediately preceding the event giving rise to the claim; or
One hundred U.S. dollars (US $100.00).

This limitation applies in the aggregate to all claims arising from the same or related events.

13.3 Financial Decisions

You acknowledge that you are solely responsible for your financial decisions.

Aureus shall not be liable for losses resulting from:

Investment decisions.
Savings decisions.
Budgeting decisions.
Debt repayment decisions.
Retirement planning decisions.
Tax decisions.
Financial planning decisions.
Reliance upon educational content.
Reliance upon AI-generated information.
Reliance upon the Aureus Financial Health Score.

Nothing in this Section limits liability that cannot lawfully be excluded.

13.4 Third-Party Services

Aureus shall not be liable for damages arising from:

Financial institutions.
Third-party connectivity providers.
Payment processors.
Artificial intelligence providers.
Cloud infrastructure providers.
Internet service providers.
Telecommunications failures.
External websites.
Other Third-Party Services beyond Aureus's reasonable control.

13.5 Data Accuracy and Availability

Aureus shall not be liable for damages arising from:

Delayed financial information.
Incomplete information.
Temporary outages.
Synchronization delays.
Data transmission failures.
Service interruptions.
Scheduled maintenance.
Emergency maintenance.

Users remain responsible for verifying important financial information with their financial institutions.

13.6 Security Incidents

While Aureus implements commercially reasonable safeguards designed to protect user information, Aureus shall not be liable for damages resulting from cybersecurity events that occur despite those reasonable safeguards, except where liability cannot lawfully be limited.

13.7 Force Majeure

Aureus shall not be liable for delays, interruptions, or failures to perform resulting from causes beyond its reasonable control, including:

Natural disasters.
Acts of government.
War.
Terrorism.
Civil unrest.
Labor disputes.
Internet outages.
Utility failures.
Cyberattacks by third parties.
Pandemics.
Failures of Third-Party Services.
Other events beyond Aureus's reasonable control.

13.8 Basis of the Bargain

You acknowledge that the disclaimers, exclusions, and limitations contained in these Terms form an essential basis of the agreement between you and Aureus.

The pricing, availability, and continued operation of the Services are based in part upon these limitations of liability.

13.9 Non-Waivable Rights

Nothing in these Terms excludes or limits liability for:

Fraud or fraudulent misrepresentation.
Willful misconduct where such limitation is prohibited.
Gross negligence where such limitation is prohibited.
Death or personal injury caused by negligence where applicable law prohibits limitation.
Any liability that cannot be excluded or limited under applicable law.

If any portion of this Section is held unenforceable, the remaining portions shall remain in full force and effect.

14. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Aureus, its affiliates, officers, directors, employees, contractors, agents, licensors, successors, assigns, and service providers from and against any claims, demands, actions, proceedings, liabilities, damages, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or relating to:

Your use or misuse of the Services.
Your violation of these Terms.
Your violation of applicable law.
Your infringement or alleged infringement of the rights of another person or entity.
Content or information that you submit through the Services.
Your fraudulent, negligent, or intentional misconduct.
Your unauthorized use of another person's financial information or account.
Your violation of any agreement between you and a third party.

This obligation applies only to the extent the claim arises from your acts or omissions and is not caused by Aureus's own conduct where indemnification would be prohibited by applicable law.

14.1 Cooperation

If Aureus seeks indemnification under this Section, Aureus will provide you with reasonably prompt notice of the applicable claim, unless doing so would prejudice Aureus or be prohibited by law.

You agree to reasonably cooperate in the defense of such claims.

Aureus reserves the right to participate in the defense of any claim at its own expense.

14.2 Control of Defense

Where appropriate and permitted by applicable law, you may assume control of the defense of an indemnified claim using legal counsel reasonably acceptable to Aureus.

However, you may not settle any claim that:

Admits fault on behalf of Aureus.
Imposes obligations upon Aureus.
Restricts Aureus's business operations.
Requires Aureus to make payments.
Adversely affects Aureus's rights or reputation,

without Aureus's prior written consent, which shall not be unreasonably withheld, conditioned, or delayed.

14.3 Exclusions

You are not required to indemnify Aureus to the extent that a claim results from:

Aureus's own breach of these Terms.
Aureus's fraud.
Aureus's willful misconduct.
Aureus's gross negligence where such limitation is prohibited by law.
Any liability that cannot lawfully be shifted under applicable law.

14.4 Survival

Your indemnification obligations survive:

Termination of your account.
Cancellation of your subscription.
Discontinuation of the Services.
Expiration or termination of these Terms,

to the extent necessary to resolve claims arising from events occurring during your use of the Services.

15. Suspension and Termination

Aureus reserves the right to suspend, restrict, or terminate your access to the Services in accordance with this Section and applicable law.

15.1 Termination by You

You may stop using the Services at any time.

You may cancel your account in accordance with the procedures provided within the Services.

Termination of your account does not automatically entitle you to a refund except where required by applicable law or expressly stated in Aureus's refund policy.

15.2 Suspension or Termination by Aureus

Aureus may suspend or terminate your access to all or part of the Services if Aureus reasonably believes that:

You have violated these Terms.
Your account presents a security risk.
Fraudulent or unlawful activity has occurred.
Continued access may harm Aureus, other users, or Third-Party Services.
Required by law, regulation, or legal process.
Necessary to protect the security, integrity, or availability of the Services.

Where appropriate and practicable, Aureus may provide notice and an opportunity to resolve the issue before termination.

15.3 Effect of Termination

Upon termination:

Your right to access the Services ends.
Subscription fees already paid remain subject to Section 10.
Aureus may disable access to your account.
Data retention and deletion are governed by the Privacy Policy.
Provisions that by their nature survive termination shall remain in effect.

15.4 Survival

The following Sections survive termination to the extent applicable:

Intellectual Property
Disclaimers
Limitation of Liability
Indemnification
Governing Law
Dispute Resolution
Any other provisions intended to survive by their nature.

16. Governing Law and Dispute Resolution

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

16.1 Informal Resolution

Before initiating formal legal proceedings, you and Aureus agree to make a good-faith effort to resolve disputes informally.

Either party may provide written notice describing the dispute.

The parties agree to attempt informal resolution for at least thirty (30) days before initiating litigation or arbitration, unless immediate legal relief is necessary.

16.2 Venue

Unless otherwise required by applicable law or a valid arbitration agreement, any legal action arising from these Terms shall be brought in the state or federal courts located in Dallas County, Texas.

You consent to the personal jurisdiction of those courts.

16.3 Injunctive Relief

Nothing in these Terms prevents Aureus from seeking temporary, preliminary, or permanent injunctive or equitable relief to protect:

Intellectual property.
Confidential information.
Trade secrets.
Platform security.
User safety.

16.4 Class Action Waiver (If Applicable)

To the extent permitted by applicable law, claims must be brought on an individual basis and not as part of a class action, consolidated action, or representative proceeding.

If this waiver is held unenforceable, only this subsection shall be severed and the remainder of these Terms shall remain in effect.

Note: If Aureus later adopts mandatory arbitration, this section should be revised to integrate the arbitration provision and any applicable opt-out rights.

16.5 Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid provision shall be interpreted, where possible, to most closely reflect its original intent while remaining enforceable.

16.6 Waiver

Failure by Aureus to enforce any provision of these Terms shall not constitute a waiver of that provision or any other rights.

Any waiver must be in writing and signed by an authorized representative of Aureus.

16.7 Assignment

You may not assign or transfer your rights or obligations under these Terms without Aureus's prior written consent.

Aureus may assign these Terms in connection with a merger, acquisition, corporate reorganization, sale of assets, or by operation of law.

17. Changes to These Terms

Aureus may update these Terms from time to time to reflect changes in:

The Services.
Applicable law.
Security practices.
Business operations.
Regulatory requirements.
Product features.

Material changes will become effective after reasonable notice is provided through the Services, by email, or by other appropriate means where required by applicable law.

The "Last Updated" date at the beginning of these Terms will indicate when changes became effective.

Your continued use of the Services after the effective date of revised Terms constitutes your acceptance of the updated Terms.

If you do not agree to the revised Terms, you must discontinue use of the Services.

18. Contact Information

If you have questions regarding these Terms, you may contact Aureus using the information below.

General Support

support@aureusmoney.io

Privacy Requests

privacy@aureusmoney.io

Security Reports

security@aureusmoney.io

Legal Inquiries

legal@aureusmoney.io

Website

https://www.aureusmoney.io

Mailing Address

Aureus Money, LLC
United States
(Physical mailing address available upon request at the support email above.)

Aureus may update its contact information from time to time by posting revised information on the Services.