Terms of Service

Last updated: August 23, 2026

1. Acceptance of Terms

By accessing or using KinVest (the “Service”), you agree to be bound by these Terms of Service and our End User License Agreement (EULA). If you do not agree, do not use the Service. The Service is offered to you strictly as a pre-alpha evaluation release.

2. Nature of the Service — Pre-Alpha Test Environment

The Service is a work in progress provided solely for testing and evaluation. You acknowledge and agree that:

• Features may be added, changed, suspended, or removed at any time without notice.
• Accounts, balances, family trees, transactions, and all other data are test data and may be modified, reset, or permanently deleted at any time without notice or liability.
• The Service may contain bugs, errors, or interruptions, and may be unavailable at times.
• Any references to banking, cards, deposits, balances, credits, or investments describe simulated functionality in a sandbox environment.

3. Not a Bank — No Real Money Movement

KinVest is not a bank, depository institution, money transmitter, broker-dealer, investment adviser, or lender. During pre-alpha, no real deposits are accepted, no real funds are held or transferred, and no real payment cards are issued. Any card, account, balance, or transaction shown in the Service is simulated. Do not attempt to use the Service to store or move real money.

4. No Financial, Legal, or Tax Advice

Content in the Service — including financial-literacy materials, forecasts, comparisons, and debt resources — is for general informational and educational purposes only. It is not financial, investment, legal, or tax advice, and it does not consider your personal circumstances. Consult a qualified professional before making financial decisions.

5. Forecasts, Projections, and Risk Disclosure

The Wealth Forecast Simulator and any other projection, comparison, or benchmark shown in the Service are hypothetical illustrations only. They are based on simplified assumptions, do not predict future results, and must not be relied upon when making real financial decisions.

All investing involves risk, including possible loss of principal. If real-money features are ever introduced after pre-alpha, balances held through the Service would not be bank deposits and would not be covered by FDIC or SIPC insurance unless expressly stated at that time. Past performance never guarantees future results.

6. Test Data Only — Do Not Submit Real Information

You must not submit real Social Security numbers, real bank account or card numbers, real government ID documents, or other real sensitive personal information. Any fields requesting such details exist for interface testing only; where a value is required, use the provided demo placeholders. If you have entered real information, contact us so it can be deleted. We expressly disclaim liability for consequences arising from information you were instructed not to provide.

7. Acceptable Use

You agree not to use the Service to:

• Violate any law or regulation, or infringe anyone else’s rights.
• Post or exchange anything fraudulent, deceptive, harassing, defamatory, hateful, obscene, or harmful.
• List, offer, or seek prohibited items or services through Barter — including weapons, drugs, alcohol, tobacco, adult content, stolen goods, counterfeit items, regulated financial products, or anything illegal where you or the other party lives.
• Impersonate another person, misrepresent a family relationship, or create accounts to manipulate votes, credits, or governance outcomes.
• Attempt to breach security, probe or scrape the Service, interfere with other accounts, or reverse-engineer the platform.
• Use the Service for money laundering, sanctions evasion, or moving value on behalf of third parties.

We may remove content, suspend accounts, or terminate family circles that violate these rules, at our sole discretion and without notice.

8. Barter Exchange and Taxes

The Barter feature lets family members exchange goods and services using simulated credits in a sandbox. Barter credits have no cash value, are not redeemable for money, and cannot be transferred outside the Service.

If real barter or trade activity ever occurs through or because of the Service, you are solely responsible for your own tax reporting. You should be aware that tax authorities — including the IRS in the United States — generally treat the fair market value of goods and services received through barter as taxable income, and formal barter exchanges can trigger information-reporting obligations (such as Form 1099-B). KinVest does not provide tax advice and does not report your activity to any tax authority during pre-alpha.

9. User Content and Copyright

You retain ownership of content you submit (such as profile details, avatars, and barter listings), but you grant KinVest a non-exclusive, royalty-free license to host, display, and process that content as needed to operate the Service. You represent that you have the right to submit everything you upload.

If you believe content on the Service infringes your copyright, contact us through the support channels listed in the app with a description of the work, where it appears, and your contact information, and we will review and remove it where appropriate. Repeat infringers may have their accounts terminated.

10. Your Responsibilities

• You are responsible for activity under your account and for keeping your credentials confidential.
• You will not misuse the Service, attempt to breach its security, or use it for any unlawful purpose.
• You will not rely on the Service for any actual financial recordkeeping or decision-making.

11. Intellectual Property & Software License

The Service, including its design, code, architecture, and content, is owned by KinVest and protected by applicable laws. Software access is governed by our End User License Agreement (EULA), which grants a limited, revocable, non-transferable, non-sublicensable right to use the Service for evaluation during pre-alpha. No other license, express or implied, is granted.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, NO GUARANTEE IS MADE THAT ANY DATA YOU ENTER WILL BE PRESERVED, AVAILABLE, OR FREE OF ERROR.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KINVEST AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE — INCLUDING ANY DATA RESET OR DELETION DURING THIS PRE-ALPHA STAGE. IN ALL CASES, AGGREGATE LIABILITY SHALL NOT EXCEED FIFTY U.S. DOLLARS ($50).

14. Indemnification

You agree to indemnify and hold harmless KinVest and its operators from any claims, damages, or expenses arising from your use of the Service, your violation of these Terms, your barter dealings with other members, or your submission of information you were instructed not to provide.

15. Termination

We may suspend or terminate access to the Service at any time, with or without cause or notice, including ending the pre-alpha program entirely.

16. Changes to These Terms

We may update these Terms at any time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

17. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in New York County, New York.

18. Contact

Questions about these Terms, copyright notices, or requests to delete information you mistakenly submitted, can be sent to the KinVest team through the support channels listed in the app.