Terms & Conditions

1. What the Service is

HeavyPocket.ai is a personal net worth and record-keeping tool. It lets you manually enter and organize information about accounts, assets, and liabilities across asset classes including stocks & ETFs, retirement accounts, crypto, real estate, private companies, and more; computes an aggregated net worth on read; fetches once-daily market price and dividend data for supported symbols from a third-party market data provider; offers a compounding projector and a historical market-cycle backtesting tool built on simplified, hypothetical assumptions; and offers optional AI-assisted commentary and Q&A features that use an API key you supply to your own OpenAI, Anthropic, or Grok (xAI) account.

The Service does not connect to, authenticate with, or retrieve data from any bank, brokerage, or financial institution. Every figure in the app comes from data you entered yourself or from the once-daily third-party price lookups described above. You agree not to enter sensitive account identifiers — bank or brokerage account numbers, routing numbers, Social Security or other government ID numbers, or payment card numbers — into any field, including free-text notes and description fields.

2. Eligibility & accounts

You must be at least 18 years old and capable of forming a binding contract to use the Service. You are responsible for the accuracy of the information you provide, for keeping your login credentials confidential, and for all activity that occurs under your account. Notify us promptly at legal@magnamente.com if you suspect unauthorized use of your account.

3. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law;
• Attempt to gain unauthorized access to any account, system, or network related to the Service;
• Reverse engineer, decompile, or attempt to extract the source code of the Service, except where applicable law expressly permits it;
• Scrape, crawl, or use automated means to access the Service outside of the documented MCP API with a token issued to you;
• Interfere with or disrupt the integrity or performance of the Service, including its AI features or price-fetching infrastructure;
• Misrepresent your identity or impersonate any person or entity;
• Upload or enter unlawful, infringing, or malicious content.

We may suspend or terminate access for any account that violates this section.

4. Subscriptions & billing

The Service offers a free plan and a paid plan (currently $5/month) that unlocks optional AI features and MCP API access, billed and processed through our payment processor. Paid subscriptions renew automatically each billing period until cancelled. You may cancel at any time from Settings → Billing; cancellation takes effect at the end of the current billing period and you retain paid features until then. Fees are non-refundable except where required by applicable law. We may change subscription pricing prospectively with reasonable notice; changes do not apply to a billing period you already paid for.

5. Your data

You retain all rights to the data you enter into the Service. You grant us a limited license to host, process, and display that data solely to provide the Service to you. We do not sell your data and do not share it with third parties for their own purposes without your consent — see our Privacy Policy for the full detail on what is collected and which service providers process it on our behalf. You may permanently delete your account and all associated data at any time from Settings → Profile; deletion is immediate and irreversible.

6. AI features

AI-assisted features are optional, gated to the paid plan, and require you to supply your own API key for OpenAI, Anthropic, or Grok (xAI). You are solely responsible for that key, for complying with your chosen provider’s own terms of service, and for any usage costs that provider bills you directly — HeavyPocket.ai does not bill, mark up, or resell AI usage. AI-generated output may be inaccurate or incomplete, is not reviewed by us before being shown to you, and is never investment, tax, or legal advice.

7. Intellectual property

The Service, including its software, design, and branding, is owned by MagnaMente LLC and protected by intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable right to use the Service for its intended personal purpose. No other rights are granted.

8. Disclaimers & no warranty

The Service is not a licensed financial advisor, broker-dealer, tax preparer, or law firm, and nothing in the Service constitutes investment, tax, or legal advice. See our Disclaimers page for full detail on the limits of net worth figures, price data, the compounding projector, the historical backtesting tool, and AI features. THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PRICE DATA OR CALCULATION WILL BE ACCURATE.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MAGNAMENTE LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR FINANCIAL OPPORTUNITY, ARISING FROM YOUR USE OF THE SERVICE OR ANY DECISION MADE IN RELIANCE ON IT — INCLUDING DECISIONS INFORMED BY THE COMPOUNDING PROJECTOR, THE HISTORICAL BACKTESTING TOOL, OR AI-GENERATED OUTPUT. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) $100. Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you.

10. Indemnification

You agree to indemnify and hold MagnaMente LLC harmless from any claim, loss, or expense (including reasonable attorneys’ fees) arising from your violation of these Terms, misuse of the Service, or violation of any law or third-party right.

11. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, on reasonable notice for any other reason, or immediately where necessary to protect the Service or other users. Provisions that by their nature should survive termination — including Sections 7 through 10 and 13 — will survive.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will bump the version number above and take effect once posted; continued use of the Service after a change takes effect constitutes acceptance. Your original acceptance — recorded with the version number and a timestamp at registration — is preserved regardless of later updates.

13. Governing law & disputes

These Terms are governed by the laws of the State of Illinois, USA, without regard to its conflict-of-laws principles. Before filing any claim, you agree to first contact us at legal@magnamente.com so we can attempt to resolve the dispute informally. Any dispute not resolved informally will be subject to the exclusive jurisdiction of the state and federal courts located in Illinois, and you consent to personal jurisdiction there.

14. General

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with the Disclaimers and Privacy Policy, are the entire agreement between you and MagnaMente LLC regarding the Service.

15. Contact

Questions about these Terms can be sent to legal@magnamente.com.