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Terms of Service

Effective date: July 21, 2026

1. Agreement to terms

These Terms of Service govern your use of Maica, provided by Maica, LLC. By creating an account or using the service, you agree to these terms. If you do not agree, do not use Maica.

2. Eligibility

You must be at least 18 years old and capable of entering a binding contract to use Maica. You are responsible for keeping your account credentials secure.

3. What Maica provides

Maica is a financial decision-coaching tool. We help you understand your cash flow, bills, goals, and spending so you can make more informed choices. Maica is not a bank, broker, accountant, investment advisor, or legal advisor. Any guidance is informational and does not constitute professional financial advice.

4. Your responsibilities

  • Provide accurate and complete information.
  • Maintain the security of your account.
  • Use Maica only for lawful purposes.
  • Review any important financial decisions with a qualified professional.

5. Account termination

You may stop using Maica at any time. We may suspend or terminate your account if you violate these terms or if required by law.

6. Intellectual property

Maica and its content are owned by Maica, LLC. You may not copy, modify, distribute, or reverse-engineer any part of the service without our permission.

7. Disclaimers

Maica is provided "as is" without warranties of any kind. We do not guarantee that the service will always be accurate, available, or error-free. You use Maica at your own risk.

8. Limitation of liability

To the fullest extent permitted by law, Maica, LLC will not be liable for indirect, incidental, or consequential damages arising from your use of the service.

9. Changes to these terms

We may update these Terms of Service from time to time. Continued use of Maica after changes means you accept the revised terms.

10. Governing law

These terms are governed by the laws of the jurisdiction where Maica, LLC is organized, without regard to conflict of law principles.

11. Contact us

Questions about these terms? Email us at hello@maicaapp.com.