Terms of Service

Reachfi LLC

Last Updated: May 20, 2024

INTRODUCTION

Thank you for choosing to visit Reachfi LLC, herein referred to as "Company", "We", "Us", or "Our". The following Terms and Conditions ("Terms") delineate the governing framework for your access, interaction, and use of all features, functionalities, services, content, and offerings presented, facilitated, or offered through our official website, sub-domains, affiliated platforms, and mobile applications (collectively, "the Platform").

Our Platform is designed to provide you with an in-depth understanding of our offerings and operations, and to facilitate your interaction, account creation, and engagement with us. By accessing, browsing, registering, or engaging in any form of interaction or transaction on or through our Platform, you willingly and expressly acknowledge, accept, and agree to be bound, without limitation or qualification, by these Terms. Furthermore, you confirm that you possess the legal authority to enter into this agreement, and that you will abide by all of its stipulations.

It is imperative that you read and comprehend these Terms in their entirety before proceeding. If, for any reason, you disagree with or cannot comply with these Terms, we urge you to refrain from using our Platform. Continued use of our Platform signifies your informed consent, agreement, and compliance with these Terms and any future revisions thereof.

In addition to these Terms, you are also bound by our Privacy Policy, which explains our practices concerning the collection, use, and sharing of your personal information. By agreeing to these Terms, you also consent to the data practices stated in our Privacy Policy.

We reserve the right to modify, amend, replace, or terminate these Terms at any point in time, at our sole discretion. It remains your responsibility to periodically review these Terms for any updates or changes. Your continued use of our Platform post any modifications signifies your acceptance of the amended Terms.

ACCOUNT CREATION

To participate in the features, functionalities, and services offered through our Platform, users are required to create an account. Account creation is a straightforward process that enables you to access our Platform's full range of services and capabilities. The following stipulations govern the account creation process:

• Email and Password Registration: Users opting to create an account via email must provide a valid email address and create a password. The email address you provide will be used as your primary method of communication and for account recovery purposes. Your password must be kept confidential and should not be shared with others. We recommend using a strong, unique password to enhance the security of your account.
• Account Responsibility: You are solely responsible for all activities that occur under your account, whether or not you have authorized such activities or actions. Should any unauthorized use of your account or security breach occur, it is your responsibility to inform us immediately.
• Accuracy of Information: It is imperative that the information you provide during the account creation process is accurate, current, and complete. Inaccurate, incomplete, or obsolete information may result in the immediate suspension or termination of your account.
• Verification: We reserve the right to verify the information provided during the account creation process. This may include, but is not limited to, email verification and social media authentication. Failure to comply with verification requests may result in delays in account creation or the denial of access to the Platform.
• Authentication: For added security, we use Multi-Factor Authentication (MFA) to protect your account. Users are required to set up MFA using email verification or a personal MFA application such as Google Authenticator or Microsoft Authenticator. When logging in, you will be required to enter a code sent to your registered email address or a code generated by your MFA app.

By creating an account, you agree to comply with these provisions and affirm that the information provided is true, accurate, and complete. The security and privacy of your account information are of utmost importance to us, as detailed in our Privacy Policy.

ACCOUNT DELETION

Scope: You may delete your account at any time. To delete your account, please follow these steps:

• Log into your account.
• Navigate to the account settings section.
• Select the option to delete your account.

Follow the on-screen instructions to confirm the deletion.

Upon deleting your account, all your personal information and data associated with your account will be permanently removed from our servers. Please note that this process is irreversible, and once your account is deleted, we will not be able to retrieve any of your data.

We reserve the right to retain certain information for legal or administrative purposes, including any residual copies made as part of our routine backup processes. Any such retained data will continue to be subject to the terms of our Privacy Policy.

SUBSCRIPTIONS

Trial Period: We offer a 7-day trial period for new users to evaluate our Platform and services. During this trial period, you will have access to all features available to paid subscribers. At the conclusion of the 7-day trial period, your access to the Platform will end, and you will need to choose a subscription plan to continue using the Platform.

Subscription Plans: After the trial period, you have the option to continue using our Platform by subscribing to one of our paid plans. We offer both monthly and annual subscription plans to suit your needs.

• Monthly Plan: Subscribers will be billed on a monthly basis. The monthly subscription fee will be charged to your provided payment method at the beginning of each billing cycle.
• Annual Plan: Subscribers will be billed on an annual basis. The annual subscription fee will be charged to your provided payment method at the beginning of each billing cycle. Choosing an annual plan may offer cost savings compared to the monthly plan.

Billing and Payment: Subscription fees are non-refundable except as specified in our refund policy. All charges are billed to the payment method you provide during the subscription process. By subscribing, you authorize us to charge the applicable subscription fees to your payment method on a recurring basis, either monthly or annually, depending on the plan you select.

Automatic Renewal: Subscriptions will automatically renew at the end of each billing cycle (monthly or annually) unless you cancel your subscription before the renewal date. The renewal charge will be the same as the original subscription fee unless we notify you in advance of any changes.

Cancellation: You may cancel your subscription at any time by accessing your account settings. If you cancel your subscription, the cancellation will take effect at the end of the current billing cycle, and you will not be charged for the subsequent billing period. You will continue to have access to the Platform until the end of your current billing period.

Privacy Policy

Reachfi LLC

Last Updated: May 28, 2024

INTRODUCTION

Welcome to Reachfi LLC ("we," "us," or "our"). This Privacy Policy governs the collection, use, and protection of information obtained from individuals ("users" or "you") who visit our access, interact, and use the features, functionalities, services, content, and offerings presented, facilitated, or offered through our official website, sub-domains, and affiliated platforms, (the "Platform"). This Privacy Policy outlines the types of information we collect, how we use and store that information, and your rights regarding your personal data. By accessing or using our Platform, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

We are committed to respecting your privacy and protecting your personal information. We understand the importance of maintaining the confidentiality and security of your data. This Privacy Policy explains our practices for handling your information and describes how we collect, process, store, and disclose your data. We comply with applicable privacy laws and regulations to ensure that your information is handled in a responsible and lawful manner.

Please review this Privacy Policy carefully. By using our Platform, you consent to the collection and use of your information as described herein. If you do not agree with the practices outlined in this Privacy Policy, please do not access or use our Platform.

By continuing to use our Platform, you signify your acceptance of this Privacy Policy and your consent to the collection, use, storage, and disclosure of your information in accordance with this Privacy Policy and applicable laws and regulations. If you have any questions or concerns about this Privacy Policy, please contact us using the information provided in the "Contact Us" section below.

We may modify or update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be effective upon posting of the updated Privacy Policy on our Platform. We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.

TYPES OF DATA WE COLLECT

In our commitment to providing a personalized and secure user experience, we collect and process various categories of data. This comprehensive approach ensures we can deliver, maintain, and enhance the functionalities of our Platform. The types of data we collect include:

• Personal Identification Information: This includes information you voluntarily provide when creating an account or for profile verification purposes on our Platform. It comprises details such as your name and email address.
• Income Information: Information regarding your sources of income, including salary, bonuses, and other income streams.
• Accounts and Investments: Details about your financial accounts, including bank accounts, investment portfolios, and other financial assets.
• Expenses: Information about your regular and irregular expenses to help us understand your financial habits and needs.
• Assumptions: Data such as your age, expected inflation rate, savings account information, and withdrawal order of accounts for financial planning purposes.
• Debt Information: Details about your current debts, including types of debt, amounts owed, and repayment schedules.
• Real Estate Information: Information about any real estate you own, including property values and mortgage details.
• Contributions: Data about your contributions to retirement accounts, savings plans, and other financial contributions.

We ensure that the collection, processing, and storage of your data are conducted with the highest regard for your privacy, in strict adherence to relevant data protection laws and regulations. Our primary goal is to maintain the confidentiality and integrity of your data while providing a personalized and secure user experience. Please be aware that by uploading images to our Platform, you acknowledge the potential risks associated with internet data transmission. We encourage you to only share images that you would be comfortable having in a public domain, despite our rigorous security measures.

HOW WE COLLECT DATA

Our Platform employs a multifaceted approach to data collection, ensuring comprehensive coverage that enhances user experience while upholding our commitment to data privacy and security. The methodologies employed in the acquisition of data are as follows:

• Direct User Submission: This is our primary method of data collection, occurring when you voluntarily provide information during the account creation process. This includes any information you share while interacting with our customer support or through feedback submissions.

Our data collection practices are designed to provide a comprehensive understanding of user needs and preferences, enabling us to deliver a more personalized and efficient service. We adhere to the highest standards of data protection and privacy, ensuring that all data collection methods are compliant with applicable laws and regulations.