Sweet.

Terms and Conditions

Introduction

Welcome to Sweet, a platform designed to help solopreneurs manage their finances. Please note that the information provided by Sweet is for educational purposes only and does not constitute financial advice. We are not licensed to provide financial advice. By using our mobile application, you agree to comply with and be bound by the following Terms and Conditions below.

Acceptance of Terms

By using the Sweet App, you acknowledge that you have read, understood, and agreed to be bound by this Agreement, our Privacy Policy, and any other relevant policies or guidelines. If you do not agree with any part of this Agreement, you should refrain from using the App.

Data Privacy and Security

Data Collection: Sweet collects and processes financial data, including transaction histories, income data, and other relevant financial information from connected bank accounts, payment platforms (e.g., Square, Venmo, Zelle), and other income sources.

Data Usage: The data is used solely for the purpose of providing insights related to tax deductions, income allocation, savings, investments, and financial management.

Data Protection: We prioritize the security of your data. Sweet implements advanced security measures, including encryption and secure storage, to protect your personal and financial information from unauthorized access, disclosure, or misuse.

Data Sharing: Sweet does not share your financial data with third parties without your explicit consent, except when necessary to provide the services (e.g., working with CPAs for tax filing) or as required by law.

Use of AI, CFPs, and CPAs

AI-Driven Insights: Sweet uses AI to analyze your financial data and provide real-time educational insights and recommendations. These include identifying potential tax deductions, suggesting savings strategies, and managing income from various sources.

Certified Financial Planners (CFPs) and Certified Public Accountants (CPAs): While Sweet itself does not provide financial advice, we have licensed CFPs and CPAs available to assist you with moving money, investing, and managing your taxes. These professionals can help you take action on the recommendations provided by Sweet.

Tax Filing: During tax season, Sweet may work with CPAs to assist with auto-filing taxes. While Sweet’s AI helps organize and label transactions, CPAs are responsible for the final filing process.

User Responsibilities

Accuracy of Information: You are responsible for ensuring the accuracy and completeness of the financial information you provide to Sweet. This includes connecting the correct bank accounts and other payment platforms.

Compliance with Laws: You agree to comply with all applicable laws and regulations, including tax laws, when using the Sweet app.

Account Security: You are responsible for maintaining the security of your Sweet account. Do not share your login credentials with others, and notify us immediately if you suspect unauthorized access to your account.

Holds and Limitations

Under certain circumstances, in order to protect Sweet and the security and integrity of the network that uses the Sweet services, Sweet may, in its sole discretion, take account-level or transaction-level actions. A hold may be placed on your Sweet account.

Our decision about holds and limitations may be based on confidential criteria that are essential to our management of risk and the protection of Sweet, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your Sweet account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you.

Limitations may be placed on your Sweet account to help protect Sweet and Sweet users when we notice restricted activities or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your Sweet account open.

Indemnification and Limitation of Liability

Indemnification

You must indemnify Sweet for actions related to your Sweet account. You agree to defend, indemnify and hold Sweet harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the Sweet services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your Sweet account or access our websites, software, systems.

Limitation of Liability

No Financial Advice: Sweet provides educational information. We are not licensed financial advisors, and the insights provided by the app, whether generated by AI or through the assistance of CFPs or CPAs, are for informational purposes only. We cannot be held liable for any financial decisions or actions you take based on the information provided by Sweet.

No Guarantee of Results: While Sweet aims to help users maximize tax deductions and improve financial management, we do not guarantee specific results or outcomes. Users are responsible for verifying any deductions, savings, or investments recommended by Sweet with the help of our licensed financial professionals we provide access to.

No Liability for Financial Losses: Sweet is not liable for any financial losses or damages arising from the use of the app, including but not limited to errors in tax deductions, income allocation, or savings and investment recommendations.

Sweet's liability is limited with respect to your Sweet account. In no event shall Sweet be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our websites, software, systems (including any networks and servers used to provide any of the Sweet services) operated by us or on our behalf, any of the Sweet services, or this user agreement (however arising, including negligence), unless and to the extent prohibited by law.

Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. In addition, to the extent permitted by applicable law, Sweet is not liable, and you agree not to hold Sweet responsible, for any damages or losses (including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly from:

  1. your use of, or inability to use, our websites, software, systems (including any networks and servers used to provide any of the Sweet services) operated by us or on our behalf, or any of the Sweet services;

  2. delays or disruptions in our websites, software, systems (including any networks and servers used to provide any of the Sweet services) operated by us or on our behalf and any of the Sweet services;

  3. viruses or other malicious software obtained by accessing our websites, software, systems (including any networks and servers used to provide any of the Sweet services) operated by us or on our behalf or any of the Sweet services or any website or service linked to our websites, software or any of the Sweet services;

  4. glitches, bugs, errors, or inaccuracies of any kind in our websites, software, systems (including any networks and servers used to provide any of the Sweet services) operated by us or on our behalf or any of the Sweet services or in the information and graphics obtained from them;

  5. the content, actions, or inactions of third parties;

  6. a suspension or other action taken with respect to your Sweet account.

Intellectual Property

Ownership: Sweet retains all rights, title, and interest in the app, including all software, algorithms, and content. You are granted a limited, non-exclusive license to use the app in accordance with these Terms and Conditions.

Restrictions: You may not modify, reverse-engineer, or reproduce any part of the Sweet app without our explicit consent.

Termination

Suspension or Termination: We reserve the right to suspend or terminate your account at any time for violations of these Terms and Conditions or for any other reason deemed necessary to protect the integrity of the platform.

Data Retention: Upon termination, Sweet may retain your financial data as required by law or for legitimate business purposes. However, we will no longer process your data unless required for legal reasons.

Modifications to the Terms

Sweet reserves the right to modify these Terms and Conditions at any time. Changes will be communicated through the app or via email. Continued use of the app after modifications constitutes acceptance of the updated Terms.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the State of Delaware. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts in Delaware.

Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at info@verysweet.co