Terms of Service

These Terms of Service ("Terms") govern your access to and use of EquityFlow, a financial management service operated by Knot Speed Labs LLC ("we," "us," or "our").

1. Acceptance of Terms

By accessing or using EquityFlow, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our service.

2. Description of Service

EquityFlow is a financial management platform that helps users:

• Track and manage HELOC accounts and other financial accounts
• Create budgets and forecast cash flow
• Develop debt payoff strategies
• Monitor bills and transactions
• Visualize financial data and progress

3. User Accounts

Account Creation

To use EquityFlow, you must create an account and provide accurate, complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

Eligibility

You must be at least 18 years old and legally able to enter into contracts to use EquityFlow.

4. Subscription and Payment

Free Trial

We offer a 30-day free trial. No credit card is required for the trial period. At the end of the trial, you will be automatically enrolled in a paid subscription unless you cancel.

Subscription Fees

Paid subscriptions are billed on a recurring basis (monthly or annually). You authorize us to charge your payment method on a recurring basis until you cancel.

Cancellation and Refunds

• You may cancel your subscription at any time
• Cancellations take effect at the end of the current billing period
• We offer a 30-day money-back guarantee from the start of your paid subscription
• No refunds for partial months or unused time

5. User Responsibilities

You agree to:

• Provide accurate financial information
• Use the service only for lawful purposes
• Not interfere with or disrupt the service
• Not attempt to gain unauthorized access to any part of the service
• Not use the service to transmit malicious code
• Comply with all applicable laws and regulations

6. Financial Information Disclaimer

IMPORTANT: EquityFlow is a financial management tool, not a financial advisor. We provide:

• Tools for tracking and visualizing your financial data
• Calculation and projection features
• Informational content and suggestions

We do not provide personalized financial advice, investment recommendations, or tax guidance. You should consult with qualified financial professionals before making financial decisions.

7. Intellectual Property

EquityFlow and all its content, features, and functionality are owned by Knot Speed Labs LLC and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

8. Privacy and Data

Your use of EquityFlow is also governed by our Privacy Policy. We are committed to protecting your financial data with bank-level security.

9. Disclaimers and Limitations of Liability

Service "As Is"

EquityFlow is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the service will be uninterrupted, error-free, or secure.

Limitation of Liability

To the maximum extent permitted by law, Knot Speed Labs LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the service.

10. Modifications to Service and Terms

We reserve the right to modify or discontinue the service at any time. We may also update these Terms from time to time. Continued use of the service after changes constitutes acceptance of the new Terms.

11. Termination

We may terminate or suspend your access to EquityFlow immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the service will immediately cease.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

13. Contact Information

If you have questions about these Terms, please contact us: