Terms of Service

Last Updated: April 17, 2025

1. Acceptance of Terms

By accessing or using Vitalf Finance Solutions ("Vitalf", "we", "us", or "our") websites, applications, products, or services (collectively, the "Services"), you agree to comply with and be bound by these Terms of Service. If you do not agree with these terms, please do not use our Services.

2. Services Description

Vitalf provides financial products and services, including but not limited to:

  • CSV to OFX conversion products (like InfinitePay CSV to OFX Converter)
  • Portfolio tracking and management tools
  • Portfolio rebalancing solutions (Rebalancer)
  • Financial data visualization tools

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without prior notice.

3. User Accounts

Some Services may require you to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to:

  • Provide accurate and complete account information
  • Update your information promptly if there are any changes
  • Ensure the security of your account and password
  • Notify us immediately of any unauthorized use of your account

4. User Responsibilities

When using our Services, you agree not to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Attempt to gain unauthorized access to our systems or other user accounts
  • Use the Services for illegal or unauthorized purposes
  • Transmit any viruses, malware, or other harmful code
  • Interfere with or disrupt the integrity or performance of the Services

5. Subscription and Premium Services

Some of our Services, like the Rebalancer, are premium services that require payment. For these services:

  • Payment terms will be clearly displayed before purchase
  • Subscription fees are non-refundable unless otherwise stated
  • We may change subscription fees with 30 days' notice
  • You may cancel your subscription at any time

6. Free Services

We offer some free Services, such as the InfinitePay CSV to OFX Converter. These Services:

  • Are provided "as is" without warranties
  • May have usage limitations
  • May include third-party advertisements
  • May be converted to paid services in the future with notice

7. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of Vitalf LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services without our prior written consent.

8. Financial Data and Accuracy

Our Services provide tools for financial management, but:

  • We do not guarantee the accuracy of financial data or calculations
  • Our Services are not intended as financial advice
  • You are responsible for verifying all financial information
  • We are not liable for any financial decisions made based on our tools

9. Data Security

We prioritize the security of your data. Some of our tools, like the InfinitePay CSV to OFX Converter, process your financial data locally in your browser without transmitting it to our servers. For services that store data:

  • We implement reasonable security measures
  • We limit access to personal information
  • We use encryption when appropriate
  • We cannot guarantee absolute security

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

IN NO EVENT SHALL VITALF LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES.

12. Indemnification

You agree to indemnify, defend, and hold harmless Vitalf LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of your use of the Services or your violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where Vitalf LLC is established, without regard to its conflict of law provisions.

14. Changes to Terms

We may revise these Terms at any time by updating this page. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

15. Contact Us

If you have any questions about these Terms, please contact us through the information provided on our website.