Terms of Service

These Terms of Service ("Terms") govern your use of Helmo, operated by Helmo AI. By creating an account or using the service, you agree to these Terms. If you do not agree, do not use Helmo.

1. The Service

Helmo is a personal financial management platform that provides budgeting tools, spending analysis, savings goal tracking, scenario simulation, and AI-powered financial insights. The service is currently in beta and is provided "as is".

2. Eligibility

You must be at least 18 years old to use Helmo. By registering, you confirm that the information you provide is accurate and that you have the legal capacity to enter into these Terms.

During the beta phase, access is by invitation only. Sharing your invite or attempting to circumvent the beta gate is not permitted.

3. Your Account

• You are responsible for maintaining the confidentiality of your password.
• You must notify us immediately of any unauthorised access to your account.
• You may not share your account with others or create accounts on behalf of third parties.
• We reserve the right to suspend or terminate accounts that violate these Terms.

4. Acceptable Use

You agree not to:

• Use Helmo for any unlawful purpose or in violation of any applicable law.
• Attempt to reverse-engineer, decompile, or extract source code from the platform.
• Introduce malware, viruses, or any harmful code.
• Scrape, crawl, or systematically extract data from the service.
• Impersonate any person or entity or misrepresent your affiliation.

5. Financial Information Disclaimer

Helmo does not provide regulated financial advice. The insights, projections, and suggestions generated by Helmo are for informational and educational purposes only. They are not a substitute for advice from a qualified financial advisor. Always consult a professional before making significant financial decisions.

Helmo makes no guarantees about the accuracy of projections or the outcomes of financial decisions made based on information provided by the platform.

6. Intellectual Property

All content, design, code, and trademarks on Helmo are the property of Helmo AI and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

You retain ownership of the financial data you enter into Helmo. By using the service, you grant us a limited licence to process that data solely to provide the service to you.

7. Beta Service

Helmo is currently in beta. This means the service may be incomplete, contain bugs, or change significantly. We may modify, suspend, or discontinue features at any time without notice. Beta users may be asked to provide feedback to help improve the product.

8. Limitation of Liability

To the maximum extent permitted by law, Helmo AI shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to financial losses, data loss, or loss of profits.

9. Termination

You may delete your account at any time from the account settings. We may terminate or suspend your access immediately if you breach these Terms. Upon termination, your right to use the service ceases and we will delete your data in accordance with our Privacy Policy.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email or an in-app notice at least 14 days before they take effect. Continued use after the effective date constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by Italian law. Any disputes shall be subject to the exclusive jurisdiction of the courts of Italy.

12. Contact

For questions about these Terms, contact us at legal@helmofinance.com.