Terms of Service

Effective Date: July 5, 2025

These Terms of Service ("Terms") govern your use of PFStack.com ("Service") operated by Flavedo Inc. ("Company," "we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using PFStack, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Service.

2. Description of Service

PFStack is a social platform that allows users to create profiles showcasing their personal finance tools, follow other users, and discover financial products and services. Our Service enables users to share their "finance stack" including credit cards, bank accounts, investment platforms, and other financial tools.

3. User Accounts and Eligibility

• You must be at least 13 years old to use our Service
• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the security of your account credentials
• You may not create multiple accounts or use automated systems to create accounts
• We reserve the right to suspend or terminate accounts that violate these Terms

4. User Content and Conduct

Content Ownership

You retain ownership of content you post on PFStack. By posting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute your content in connection with operating our Service.

Prohibited Conduct

You agree not to:

• Post false, misleading, or fraudulent information
• Harass, abuse, or harm other users
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Use automated systems to access our Service
• Attempt to gain unauthorized access to user accounts or systems
• Post spam, malware, or malicious content
• Impersonate others or create fake profiles

5. Financial Information Disclaimer

IMPORTANT: PFStack does not provide financial advice. All content shared on our platform represents personal experiences and opinions of individual users. You should not rely on user-generated content as financial advice. Always consult with qualified financial professionals before making financial decisions. We are not responsible for any financial losses resulting from information shared on our platform.

6. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. By using our Service, you consent to the collection and use of information as outlined in our Privacy Policy.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Flavedo Inc. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Limitation of Liability

IN NO EVENT SHALL FLAVEDO INC., ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Flavedo Inc. is incorporated, without regard to conflict of law principles.

12. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website. Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at: