Effective Date: February 9, 2026
Last Updated: February 9, 2026
These Terms of Service ("Terms") govern your access to and use of the Bacos AI service ("Service") provided by Aibillity LLC ("Bacos," "we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms.
By creating an account, accessing, or using the Service, you affirm that you:
If you do not agree to these Terms, do not use the Service.
Bacos is an AI-powered financial intelligence platform that:
Bacos is not a financial advisor, bank, or licensed investment advisor. Our Service provides information and tools, not professional financial advice.
You must create an account to use certain features. You agree to:
You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to maintain account security.
When linking financial accounts through Plaid, you authorize us to access your financial data for the purposes described in our Privacy Policy. You represent that you have the authority to link these accounts and grant us access.
You agree not to:
We reserve the right to suspend or terminate your account for violations of these Terms.
The Service, including all content, features, and functionality, is owned by Aibillity LLC and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.
You retain ownership of your financial data. By using the Service, you grant us a limited license to access, process, and analyze your data to provide the Service. We may use aggregated, anonymized data for research and service improvement.
If you provide feedback or suggestions, you grant us the right to use them without compensation or attribution.
Certain features require a paid subscription. Pricing is available on our website and may change with notice. We offer various subscription plans with different features and pricing tiers.
Subscriptions are billed in advance on a recurring basis (monthly or annually). By subscribing, you authorize us to charge your payment method automatically until you cancel.
You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. We do not offer refunds for partial billing periods, except as required by law.
If you sign up for a free trial, we may require payment information upfront. You will be charged when the trial ends unless you cancel before then.
THE SERVICE PROVIDES INFORMATION, NOT FINANCIAL, LEGAL, OR TAX ADVICE. WE ARE NOT LICENSED FINANCIAL ADVISORS, ACCOUNTANTS, OR ATTORNEYS. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONALS BEFORE MAKING FINANCIAL DECISIONS.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
Our AI-generated insights are based on algorithms and data analysis. They may contain errors, inaccuracies, or omissions. We do not guarantee the accuracy or suitability of AI-generated content for your specific situation.
We rely on third-party services (e.g., Plaid) for account linking and data retrieval. We are not responsible for third-party service failures, errors, or security issues.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, AIBILLITY LLC SHALL NOT BE LIABLE FOR:
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.
Some jurisdictions do not allow certain liability limitations, so some of these limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Aibillity LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) any financial decisions you make based on the Service.
We implement industry-standard security measures to protect your data. However, we cannot guarantee absolute security. You acknowledge that:
Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.
You may terminate your account at any time by contacting us or using account settings. Upon termination, your access to the Service will cease, and we may delete your data in accordance with our Privacy Policy.
We may suspend or terminate your account at any time, with or without notice, for:
Upon termination, all rights and licenses granted to you will cease immediately. Sections that by their nature should survive termination (including indemnification, limitation of liability, and dispute resolution) will remain in effect.
We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation.
We may update these Terms from time to time. We will notify you of material changes by email or through the Service. Your continued use after changes take effect constitutes acceptance. If you do not agree to changes, you must stop using the Service.
By using the Service, you consent to receive electronic communications from us, including:
These communications may be delivered via email, in-app notifications, or other electronic means.
Before filing a claim, you agree to contact us at [email protected] to attempt to resolve the dispute informally. We will attempt to resolve disputes within 60 days.
IF INFORMAL RESOLUTION FAILS, YOU AGREE THAT ANY DISPUTE ARISING FROM THESE TERMS OR THE SERVICE WILL BE RESOLVED THROUGH BINDING ARBITRATION, NOT COURT LITIGATION.
Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be held in the jurisdiction where you reside or another mutually agreed location.
YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION.
This arbitration clause does not apply to disputes that may be brought in small claims court or claims for injunctive relief related to intellectual property rights.
You may opt out of arbitration by sending written notice to [email protected] within 30 days of accepting these Terms.
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the state or federal courts located in Delaware.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Aibillity LLC regarding the Service.
If any provision is found to be unenforceable, the remaining provisions will remain in full effect.
Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
You may not assign or transfer these Terms or your account without our written consent. We may assign our rights and obligations without restriction.
We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control.
For questions about these Terms, please contact us:
Acknowledgment
BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.