Terms of Use

1. Service Agreement

By using POQT, you agree to these Terms of Use. If you do not agree with any part of these terms, you may not use our service. POQT reserves the right to update these terms at any time.

2. Service Description

POQT is an AI-powered financial assistant that operates through WhatsApp, offering:

• Transaction logging via text, audio, images, and PDFs
• Automatic expense categorization and budget tracking
• Financial alerts and notifications
• Visual dashboards and reports
• Investment suggestions and financial tips

Important: Using POQT does not guarantee specific financial results. Your financial outcomes depend on individual factors and the accuracy of data you provide.

3. User License

POQT grants you a non-transferable, personal license to use the service. You may not:

• Modify, copy, or create derivative works
• Use the service for commercial purposes without authorization
• Reverse engineer or attempt to extract the source code
• Transfer your account to another person
• Use automated systems to access the service

4. Data Protection

We are committed to protecting your financial data. All information is encrypted and processed in compliance with applicable data protection laws. We will not share your personal or financial information with third parties without your explicit consent, except as required by law.

5. WhatsApp Requirements

To use POQT, you must maintain an active WhatsApp account with a valid phone number. You must comply with WhatsApp's terms of service. POQT is not affiliated with or endorsed by WhatsApp or Meta.

6. User Responsibilities

• Provide accurate and complete information
• Maintain the security of your account credentials
• Use the service in compliance with all applicable laws
• Report any unauthorized use of your account immediately

7. Limitation of Liability

POQT is provided 'as is' without warranties. We are not responsible for:

• Financial decisions you make based on the service
• Losses due to incorrect data you provide
• Service interruptions or technical issues
• Third-party service failures including WhatsApp

8. Investment Disclaimer

Any investment suggestions or financial recommendations provided by POQT are for informational purposes only and should not be considered professional financial advice. Always consult with qualified financial advisors before making investment decisions.

9. Service Modifications

POQT reserves the right to modify, suspend, or discontinue any aspect of the service at any time. We will notify users of significant changes through WhatsApp or email when possible.

10. Termination

Either party may terminate the service at any time. POQT may suspend or terminate accounts that violate these terms or remain inactive for extended periods. Upon termination, your right to use the service will cease immediately.

11. Governing Law

These terms are governed by and construed in accordance with the laws of the jurisdiction where POQT operates, without regard to conflict of law principles.

12. Contact Information

For questions about these Terms of Use, please contact us at:

[email protected]