Terms of Service

1. Overview

Invotree is a financial platform designed to help users gain clarity over their wealth by aggregating, analyzing, and visualizing financial data across multiple asset classes.

Invotree provides tools, insights, and simulations to support better financial decision-making. However, Invotree does not provide financial, investment, tax, or legal advice.

Your use of the platform is at your own discretion and risk.

2. Eligibility

To use Invotree, you must:

• Be at least 18 years old
• Have the legal capacity to enter into binding agreements under applicable laws
• Provide accurate and complete information when creating an account

By using Invotree, you represent and warrant that you meet these requirements.

You are responsible for ensuring that your use of Invotree complies with all applicable laws and regulations in your jurisdiction.

3. Account Responsibilities

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

By using Invotree, you agree that:

• All information you provide is accurate and up to date
• You will not share your login credentials with others
• You are responsible for all activities that occur under your account

Invotree is not liable for any loss or damage arising from unauthorized access due to your failure to secure your account.

4. Financial Disclaimer

Invotree is not a financial advisor.

All content, tools, simulations, and insights provided on the platform are for informational and educational purposes only.

We do not:

• Provide personalized investment recommendations
• Guarantee financial outcomes or returns
• Replace professional financial, tax, or legal advice

You should always conduct your own research or consult a qualified professional before making financial decisions.

5. Data & Privacy

Invotree is built with security and privacy in mind.

• We use read-only integrations where possible to access your financial data
• We do not execute transactions on your behalf
• Your data is used to provide analytics, insights, and platform functionality

We do not sell your personal financial data.

For more details, please refer to our Privacy Policy.

6. Third-Party Integrations

Invotree may connect with third-party services such as banks, brokers, or data providers.

By using these integrations, you acknowledge that:

• Data accuracy depends on third-party sources
• Service availability may be affected by external providers
• Invotree is not responsible for disruptions, delays, or inaccuracies caused by third parties

Use of third-party services is subject to their respective terms and conditions.

7. Subscription & Billing

Invotree offers both free and premium features.

• Free access provides core tools and basic features
• Premium plans unlock advanced analytics, simulations, and planning features

If you subscribe to a paid plan:

• Fees are billed on a recurring basis (monthly or annually)
• You may cancel your subscription at any time
• Access to premium features continues until the end of the billing cycle

All fees are non-refundable unless otherwise stated.

8. Limitation of Liability

Invotree is provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, Invotree is not liable for:

• Any financial losses or decisions made based on platform insights
• Data inaccuracies or delays
• Service interruptions or technical issues

You acknowledge that all financial decisions carry risk, and Invotree is a tool - not a guarantee of outcomes.

9. Termination

You may stop using Invotree at any time.

We reserve the right to suspend or terminate access if:

• You violate these Terms
• There is suspected misuse, fraud, or abuse of the platform

Upon termination, your access to the platform may be revoked immediately.

10. Updates to Terms

We may update these Terms from time to time to reflect changes in our services, regulations, or business operations.

When we make significant changes:

• We will update the "Last updated" date
• We may notify you through the platform or via email

Continued use of Invotree after updates constitutes acceptance of the revised Terms.

11. Contact Us

If you have any questions about these Terms, you can reach us at:

Email: support@invotree.asia