Terms of Service
Last Updated: January 22, 2025
Welcome to R4 Finance, a comprehensive personal finance management platform designed to help you track and manage your financial life, including accounts, investments, properties, and more.
Agreement to Terms
BY USING THE SERVICE OR BY CLICKING "I AGREE" YOU INDICATE YOUR ACCEPTANCE OF THESE TERMS AND YOUR AGREEMENT TO BE BOUND BY THESE TERMS, AS WELL AS ALL APPLICABLE LAWS AND REGULATIONS. YOU ARE NOT PERMITTED TO USE THE SERVICE IF YOU DO NOT AGREE TO THESE TERMS.
1. Use of the Service
A. Service Definition
The "Service" includes R4's website and mobile applications, and all content and services R4 makes available through them. The Service is a personal finance information management tool that allows you to:
- Track and organize your finances
- Aggregate financial account information from institutions you select
- Monitor investments and net worth
- Manage properties and debts
- Track multiple income sources
B. Service Restrictions
Your R4 account is personal to you. You may not use the Service for commercial purposes. To use the Service, you must have access to the Internet.
2. Privacy and Security
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information.
We implement industry-standard security measures to protect your data, including:
- Bank-level encryption for all financial data
- Secure authentication through trusted providers
- Regular security audits and updates
- Data protection compliance
- Automated session management
- Multi-factor authentication options
- Regular automated backups
- Strict access controls
3. User Responsibilities
As a user of R4 Finance, you agree to:
- Provide accurate and up-to-date information
- Maintain the security of your account credentials
- Report any unauthorized access or security concerns
- Use the service in compliance with applicable laws
- Not attempt to reverse engineer or compromise the platform
4. Data Management
Users retain full control over their data:
- Data export functionality available
- Account deletion option with complete data removal
- Regular automated backups for data protection
- Transparent data usage and storage policies
Questions or Concerns?
If you have any questions about these Terms, please contact us at: