TERMS & CONDITIONS FOR YPA-FINANCE
Effective Date: December 26, 2024
These Terms and Conditions apply to the YPA-Finance app (hereby referred to as "Application") for mobile devices, created by YPA-Group Inc (hereby referred to as "Service Provider") as a commercial service.
By downloading or utilizing the Application, you are automatically agreeing to the following terms. It is strongly advised that you thoroughly read and understand these terms prior to using the Application. Unauthorized copying, modification of the Application, any part of the Application, or our trademarks is strictly prohibited. Any attempts to extract the source code of the Application, translate the Application into other languages, or create derivative versions are not permitted. All trademarks, copyrights, database rights, and other intellectual property rights related to the Application remain the property of the Service Provider.
The Service Provider is dedicated to ensuring that the Application is as beneficial and efficient as possible. As such, they reserve the right to modify the Application or charge for their services at any time and for any reason. The Service Provider assures you that any charges for the Application or its services will be clearly communicated to you.
The Application stores and processes personal data that you have provided to the Service Provider to provide the Service. It is your responsibility to maintain the security of your phone and access to the Application. The Service Provider strongly advises against jailbreaking or rooting your phone, which involves removing software restrictions and limitations imposed by the official operating system of your device. Such actions could expose your phone to malware, viruses, malicious programs, compromise your phone's security features, and may result in the Application not functioning correctly or at all.
The Application utilizes reliable third-party services to provide specific functionalities, including integration with financial tools. These services have their own Terms and Conditions, which You are required to review before using them:
By using the Application, you acknowledge and accept that some functionalities depend on these third-party services, and their policies apply where relevant.
The Application provides analytical tools and recommendations, including a credit calculator, debt repayment planning tools, debt payment strategies, financial tracking features, and other financial tools and functionalities. All functionalities offered by the Application are for informational and recommendation purposes only. The Service Provider does not provide licensed financial advisory services, and no information provided through the Application should be considered as professional financial advice.
The Service Provider does not guarantee any financial outcomes or success in debt repayment, budget planning, or credit score management, as these depend on the individual actions of the User. The User assumes full responsibility for making any financial decisions based on the data provided. The Service Provider is not liable for any actions taken by You based on the analytics or recommendations provided. Furthermore, the Service Provider is not responsible for any direct or indirect losses that may result from the use of the provided data, analysis, or recommendations, including information supplied by third-party services such as Array and Plaid.
Please be aware that the Service Provider does not assume responsibility for certain aspects:
YpiQ is a virtual currency used within the Application to unlock additional features, including challenges, premium functions, personalized items, and other functionalities of the Application. YpiQ is not real currency and does not hold any real monetary value.
Users may purchase YpiQ using real currency through in-app purchases. The cost of YpiQ is displayed at the time of purchase and is subject to change by the Service Provider at any time without prior notice.
YpiQ may only be used within the functionalities of the Application and cannot be exchanged for real money, goods, or services outside of the Application. Before using YpiQ for purchasing paid features, the User must confirm the transaction.
All purchases of YpiQ are final and non-refundable, except as required by applicable law or in cases of technical errors related to the operation of the Application. Users may contact customer support to address such cases.
The use of YpiQ to unlock paid features is for entertainment and educational purposes only. The Service Provider does not guarantee any specific results from the use of these features. All expenses associated with the use of YpiQ must be confirmed by the User prior to completion.
YpiQ cannot be transferred, exchanged, or sold to other users. The purchase of YpiQ does not grant ownership rights to any real assets or monetary compensation. The Service Provider reserves the right to modify the functionality or cost of YpiQ without prior notice.
The Service Provider reserves the right to amend the terms relating to YpiQ with prior notice to users through the Application or other accessible means.
Our Service is available only to users who are at least 18 years old. By using the Service, you confirm and warrant that you meet this age requirement. If you are not 18 years of age or older, you are prohibited from accessing or using the Service. If it is discovered that you are under 18, we may terminate your account and delete any associated data without prior notice.
Our Application supports interfaces and content in multiple languages for user convenience. All translations are provided for informational purposes only and are based on the original English text. While we strive to ensure the accuracy of translations, there may be linguistic inaccuracies or discrepancies with the original meaning. The Service Provider assumes no responsibility for any errors or omissions in translations, nor for any consequences resulting from their use. If you identify inaccuracies or inconsistencies, please contact us via email (see Section 9 of this document).
The Service Provider may wish to update the application at some point. The application is currently available as per the requirements for the operating system (and for any additional systems they decide to extend the availability of the application to) may change, and you will need to download the updates if you want to continue using the application. The Service Provider does not guarantee that it will always update the application so that it is relevant to you and/or compatible with the particular operating system version installed on your device. However, you agree to always accept updates to the application when offered to you. The Service Provider may also wish to cease providing the application and may terminate its use at any time without providing termination notice to you. Unless they inform you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must cease using the application, and (if necessary) delete it from your device.
The Service Provider may periodically update their Terms and Conditions. Therefore, you are advised to review this page regularly for any changes. The Service Provider will notify you of any changes by posting the new Terms and Conditions on this page.
If you have any questions or suggestions about these Terms and Conditions, please contact the Service Provider. Email: contact@ypa-finance.com