Terms of Service

Effective date: February 6, 2026 · Last updated: March 6, 2026

These Terms of Service ("Terms") govern your access to and use of the Abundera website at abundera.ai and any related services (collectively, the "Service") operated by Abundera, Inc. ("Abundera", "we", "us", or "our"), a company registered in the State of Nevada.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Service Description

Abundera is a financial advocacy platform currently in pre-launch development. The Service currently consists of:

• An informational website describing the planned product
• A waitlist for early access

Abundera does not currently provide financial advice, execute trades, manage accounts, or provide any financial services. All product descriptions on the website describe planned future functionality.

2. Waitlist & Early Access

By joining our waitlist, you provide your email address to receive updates about Abundera's development and launch. Waitlist membership does not guarantee early access. We reserve the right to select participants at our sole discretion.

Early access, when offered, will be governed by a separate agreement that participants must accept before accessing the product.

3. Not Financial, Medical, or Legal Advice

Nothing on this website constitutes financial, investment, tax, medical, or legal advice. All content, including AI-generated projections and insights, is for informational and illustrative purposes only. Product descriptions, agent examples, and notification mockups on the website represent planned functionality and should not be relied upon for financial, health, or legal decisions.

Abundera is not registered as an investment adviser with the SEC or any state securities regulator. Abundera is not a healthcare provider, HIPAA covered entity, or medical professional. When the product launches, appropriate regulatory registrations will be obtained as required by law.

Health-related data processed by Abundera (healthcare costs, insurance premiums, medical expenses) is treated as financial data for planning purposes. Always consult qualified healthcare professionals for medical decisions and licensed financial advisors for investment decisions.

4. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you meet this requirement. During registration, you will be required to explicitly confirm that you are 18 years of age or older. Providing false age verification is grounds for immediate account termination.

5. AI-Generated Content & Agent Actions

The Abundera platform uses artificial intelligence, including large language models and autonomous AI agents, to analyze your data and generate insights. By using the Service, you acknowledge and agree that:

• AI outputs may be inaccurate. AI-generated analysis, projections, recommendations, and insights may contain errors, omissions, outdated information, or hallucinated data. You must independently verify all AI-generated outputs before making financial, health, or legal decisions.
• Not professional advice. AI agent outputs do not constitute fiduciary, financial, investment, tax, medical, or legal advice, regardless of how specific or personalized they appear. Abundera's AI agents are data analysis tools, not licensed professionals.
• No guarantee of completeness. AI agents may not identify all relevant factors, risks, or opportunities in your financial, health, or tax situation. Absence of a flag or recommendation does not mean absence of risk.
• Autonomous actions require your authorization. AI agents will not execute financial transactions, modify external accounts, or take actions with real-world consequences without your explicit authorization. Notification and alert actions (email, SMS, in-app) may be triggered automatically based on your configured preferences.
• You are responsible for your decisions. Abundera is not liable for any decision you make, or fail to make, based on AI-generated analysis or agent recommendations.

6. Your Data

You retain ownership of all data you import, create, or provide to the Service. This includes financial data imported via Plaid, health-related information you enter, documents you upload, and any other personal data.

• You grant Abundera a limited, non-exclusive license to process your data solely to deliver the Service to you.
• AI-generated insights, analyses, and recommendations derived from your data are yours. You may export them at any time via Settings > Data Export.
• Abundera may use anonymized, aggregated data (from which no individual can be identified) to improve the Service. Your data is never used to train AI models that serve other users.
• This license terminates when you close your account, subject to the data retention periods described in these Terms and our Privacy Policy.

7. Intellectual Property

All content on the Service, including text, graphics, logos, design, and software, is the property of Abundera, Inc. and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any content without our prior written consent.

8. User Conduct

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to probe, scan, or test the vulnerability of the Service
• Submit false information to the waitlist
• Interfere with or disrupt the Service or its infrastructure
• Use automated means to access or scrape the Service without permission

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure. We make no representations about the accuracy or completeness of any content on the Service.

10. Limitation of Liability

To the maximum extent permitted by law, Abundera, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or related to your use of the Service.

Our total liability for any claim arising from these Terms or the Service shall not exceed $100 USD.

11. Indemnification

You agree to indemnify and hold harmless Abundera, Inc. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the Service or violation of these Terms.

12. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by updating the "Last updated" date at the top of this page. Continued use of the Service after changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles.

15. Dispute Resolution & Arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

You and Abundera agree to resolve any disputes arising out of or relating to these Terms or the Service through binding individual arbitration, rather than in court, except as described below.

• Arbitration rules. Arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be held in Clark County, Nevada, or at another mutually agreed location, or conducted virtually if both parties agree.
• Individual basis only. You and Abundera agree that disputes will be resolved on an individual basis. Neither party may bring claims as a plaintiff or class member in any class action, collective action, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding.
• Small claims exception. Either party may bring an individual action in small claims court in Clark County, Nevada (or your county of residence) if the claim qualifies.
• Opt-out right. You may opt out of this arbitration agreement by sending written notice to legal@abundera.ai within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out. If you opt out, you may pursue claims in court subject to Section 14 (Governing Law).
• Severability. If the class action waiver is found unenforceable, the entire arbitration agreement will be void. If any other provision of this section is found unenforceable, that provision will be severed and the remaining provisions will remain in effect.

16. Termination

We may suspend or terminate your access to the Service at any time, for any reason, without notice. You may stop using the Service at any time. To remove your email from our waitlist, contact us at the address below.

17. Subscription and Billing

Access to the Abundera platform requires a paid subscription. We offer four tiers: Core ($49/mo), Plus ($79/mo), Pro ($129/mo), and Vault ($349/mo). Enterprise pricing is available upon request.

• Billing is processed monthly or annually via Stripe. You authorize recurring charges when you subscribe.
• Subscriptions auto-renew at the end of each billing period unless cancelled before the renewal date.
• We may adjust pricing with at least 30 days written notice to existing subscribers. Price changes take effect at the start of the next billing cycle following the notice period.
• All prices are listed in USD. Applicable taxes may apply based on your jurisdiction.

18. 30-Day Satisfaction Guarantee

New subscribers may request a full refund within 30 days of their initial subscription purchase.

• Refund requests can be submitted via Settings > Billing in the Abundera dashboard or by contacting billing@abundera.ai.
• Refunds are processed automatically to the original payment method, typically within 5–10 business days.
• Upon refund, financial account connections (Plaid) are immediately disconnected. Your data is retained in a read-only state for 30 days to allow export, then permanently deleted.
• The 30-day guarantee applies only to the first subscription period. No partial refunds are available after the guarantee period has elapsed.
• The guarantee applies once per account. Re-subscribing after a refund does not restart the guarantee window.

19. Cancellation and Data Retention

You may cancel your subscription at any time via Settings > Billing in the Abundera dashboard or through the Stripe Customer Portal.

• Cancellation takes effect at the end of your current billing period. You retain full access until that date.
• After your subscription ends, your account enters a read-only state for 90 days. During this period, you may view and export your data but cannot use active features (agents, alerts, new connections).
• After the 90-day retention period, all account data is permanently and automatically deleted from our systems, including financial data, health data, and personal information.
• Vault tier: Upon permanent deletion, your entire dedicated database instance is dropped. No recovery is possible after this point.
• You may export your data at any time during an active subscription or the read-only period via Settings > Data Export.

19a. Account Closure

You may request account closure at any time via Settings > Close Account. Account closure follows this process:

• A 30-day grace period begins during which you may cancel the closure and reactivate your account.
• During the grace period, your subscription is cancelled and financial connections are disconnected.
• After the 30-day grace period, automated deletion permanently removes all account data, including financial records, health data, authentication credentials, API keys, and session data.
• Financial records required for tax compliance (IRS 7-year requirement) are retained in an anonymized format.
• Deletion is irreversible. We recommend exporting your data before initiating account closure.

20. Plan Changes

• Upgrades take effect immediately. You are charged a prorated amount for the remainder of your current billing cycle at the new tier's rate.
• Downgrades take effect at the start of your next billing cycle. You retain access to higher-tier features until the current period ends.
• If a downgrade reduces the number of allowed linked accounts, excess accounts enter read-only mode (they are not disconnected). You choose which accounts to keep active.
• Enterprise plan changes are handled directly with your account representative.

21. Contact

For questions about these Terms, contact us at:

Abundera, Inc.
200 W Sahara Ave, Unit 3301
Las Vegas, NV 89102
legal@abundera.ai