Terms of Service & Privacy Policy

1. Acceptance of Terms

By using Fiscor, you agree to abide by these Terms and applicable laws. If you do not agree, you must not use the Software.

2. Service Scope & Limitations

• Fiscor does not provide investment recommendations or brokerage services.
• Financial projections generated by the Software are for informational purposes only and should not be considered financial advice.

3. User Responsibilities

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate financial information to improve service accuracy.

4. Limitation of Liability

• Fiscor is not responsible for financial losses incurred due to reliance on its services.
• We do not guarantee the accuracy or completeness of financial data aggregated from third-party sources.

5. Indemnification

You agree to indemnify and hold Fiscor harmless from claims, damages, or liabilities arising from your use of the Software.

6. Dispute Resolution

• Disputes will be resolved through arbitration under California laws.
• Users waive the right to participate in class-action lawsuits.

7. Updates & Changes to Terms

Fiscor reserves the right to update these Terms at any time. Users will be notified of significant changes.

1. Categories of Personal Information We Collect

We collect the following categories of personal information:

• Identifiers: Name, email address, IP address, and device identifiers.
• Financial Information: Assets, liabilities, and other financial data input by the user.
• Internet Activity: Browsing history, device data, and interactions with our services.
• Geolocation Data: Approximate location based on IP address.

2. Sources of Personal Information

We collect data from:

• You directly when you create an account or provide financial data.
• Cookies and analytics tools that track user interactions.

3. How We Use Your Personal Information

We use your data for:

• Providing, improving, and personalizing our financial planning services.
• Detecting and preventing fraudulent activities.
• Complying with legal obligations and regulatory requirements.
• Marketing and customer support (you may opt out at any time).

4. Your CCPA Rights

Under CCPA, you have the right to:

• Know what personal information we collect about you.
• Access & Request a Copy of your data.
• Delete your personal information.
• Opt-out of the sale of your personal information (Note: Fiscor does not sell personal data).
• Non-Discrimination for exercising your rights.

5. Data Disclosure & Sharing

We may share data with service providers for operational needs but do not sell personal information. Categories of third parties we may disclose data to include:

• Cloud storage and security providers
• Regulatory authorities (if legally required)

6. Data Retention & Deletion Requests

We retain your data as long as necessary to provide services. You may request deletion by contacting us at support@myfiscor.com. If deletion is not possible due to legal obligations, we will inform you accordingly.

1. Information We Collect

We collect the following types of information to provide and improve our services:

• Personal Information: Name, email address, contact information, and account credentials.
• Financial Data: Assets, liabilities, and other financial data input by the user.
• Usage Data: Information about your interactions with the Software, including logs, device identifiers, and cookies.
• Security & Authentication Data: Multi-Factor Authentication (MFA) data to secure your account.

2. How We Use Your Data

We use the collected data to:

• Provide, maintain, and improve the Software.
• Generate financial insights and planning recommendations.
• Comply with legal and regulatory requirements.
• Communicate important updates and service changes.

3. User Rights & Data Control

You have the right to:

• Request access to your personal data.
• Request correction or deletion of your data.
• Opt-out of non-essential data processing (e.g., marketing emails).
• Exercise rights under CCPA (California Consumer Privacy Act)

4. Data Retention & Deletion

We retain user data as long as necessary for service delivery and legal compliance. You can request data deletion by contacting our support team at support@myfiscor.com.

5. Data Breach Notification Policy

In the event of a security breach, affected users will be notified within 72 hours as required by applicable laws.

6. Contact Us

For privacy-related inquiries, contact support@myfiscor.com.