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Terms of Service

Effective Date: May 26, 2026

1. Agreement to Terms

By accessing or using An-yen Wealth ("An-yen", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree, do not access or use our service.

2. Strict "No Financial Advice" Disclaimer

AN-YEN IS A PERSONAL EXPENSE AND BUDGET TRACKING TOOL ONLY. WE DO NOT PROVIDE INVESTMENT ADVICE, FINANCIAL ADVICE, LEGAL ADVICE, TAX ADVICE, OR ASSET MANAGEMENT SERVICES. ALL INFORMATION, DATA, ANALYTICS, AND CONVERSATIONAL AI RESPONSES ARE FOR GENERAL INFORMATIONAL AND BUDGET-PLANNING PURPOSES ONLY. YOU MUST CONSULT A QUALIFIED PROFESSIONALLY LICENSED FINANCIAL ADVISOR BEFORE MAKING ANY FINANCIAL DECISIONS.

3. User Accounts and Security

You must provide accurate and complete information when creating an account. You are solely responsible for maintaining the confidentiality of your credentials and for all activity under your account.

4. Limitation of Liability & Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE US LAW, IN NO EVENT SHALL AN-YEN, ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR WEALTH.

OUR MAXIMUM AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE SERVICES SHALL NOT EXCEED ONE HUNDRED US DOLLARS ($100.00 USD).

5. Fair Use and AI Interactions

Our services utilize advanced large language models for automated categorization and conversational chatting. You agree not to attempt prompt injection, reverse-engineering, server flooding, or scraping of the AI interfaces.

6. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the platform after updates constitutes binding acceptance.

© 2026 An-yen Wealth. All rights reserved.