Terms of Service

Last updated on 12/26/2024

Thank you for using Latwy! The following Terms of Service are currently in force and were last updated on the date at the top of this page.

When we say “Company”, “we”, “our”, or “us” in this document, we are referring to Amalgamated Hams LLC, doing business as Latwy. Amalgamated Hams LLC is registered in the state of Colorado. When we say “Services”, we mean the websites and web applications associated with Latwy. When we say “You” or “your”, we are referring to the people or organizations that have created an account with Latwy.

We may update these Terms of Service ("Terms") in the future. Whenever we make a significant change to our policies, we will refresh the date at the top of this page and attempt to notify account holders via email. Users will not be notified about minor changes.

When you use our Services, now or in the future, you are agreeing to the latest Terms. There may be times when we do not exercise or enforce a right or provision of the Terms; however, that does not mean we are waiving that right or provision.

If you violate any of the Terms, we may terminate your account.

YOU HEREBY ACKNOWLEDGE AND AGREE THAT LATWY IS NOT A BANK, NOR IS IT A FINANCIAL PLANNER, BROKER OR ASSET MANAGER. THE LATWY SITE AND SERVICES ARE MERELY TOOLS TO AUGMENT YOUR FINANCIAL PLANNING AND DECISION-MAKING. YOU ARE SOLELY RESPONSIBLE FOR YOUR SAVINGS, INVESTMENT AND SPENDING DECISIONS.

Linking Your Financial Accounts to Latwy Services. YOU ACKNOWLEDGE THAT LATWY'S SERVICES, IN PART, FACILITATE THE UPDATING OF YOUR FINANCIAL NOTION PAGES WITH YOUR UP TO DATE (“FINANCIAL DATA”) RETRIEVED FROM YOUR BANKS, CREDIT CARDS, BROKERAGES, LOANS, AND OTHER THIRD PARTY FINANCIAL SOURCES (“DATA SOURCES”). YOU ACKNOWLEDGE AND AGREE THAT LATWY MAY USE THE SERVICES OF DATA AGGREGATORS TO ACCESS YOUR FINANCIAL DATA ON YOUR BEHALF ON AN ON GOING BASIS FOR THE PURPOSE OF PROVIDING LATWY'S SERVICES TO YOU.

By using the Services, you authorize and direct Latwy, either directly or through Latwy's Data Aggregators, to access your financial accounts that you designate, with the account log-in credentials that you provide, to retrieve your Financial Data, and to access accounts requested by you. FOR THE SOLE PURPOSE OF PROVIDING THE SERVICES, you hereby grant Latwy, either directly or through Latwy's Data Aggregators, a limited power of attorney, and appoint Latwy, either directly or through Latwy’s Data Aggregators, as your attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN LATWY, EITHER DIRECTLY OR THROUGH LATWY’S DATA AGGREGATOR, ACCESSES, AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, LATWY IS ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Services are not endorsed or sponsored by any third party account providers accessible through the Services.

Account Terms

You are responsible for maintaining the security of your account and password. The Company cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

You may not use the Services for any purpose outlined in our Use Restrictions Policy detailed below.

You are responsible for all content posted to and activity that occurs under your account, including content posted by and activity of any users in your account.

You must be a human. Accounts registered by “bots” or other automated methods are not permitted.

Use Restrictions Policy

When you use the Service, you acknowledge that you may not:

Accounts found to be in violation of any of the above are subject to cancellation without prior notice.

Payment, Refunds, and Plan Changes

For paid Services that offer a free trial, we explain the length of trial when you sign up. You must provide a valid payment method for the trial period to begin. We won't charge your payment method until after the trial has concluded. If you cancel before the free trial has ended, you won't be charged and the free trial will end immediately.

All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities. Where required, we will collect those taxes on behalf of the taxing authority and remit those taxes to taxing authorities. Otherwise, you are responsible for payment of all taxes, levies, or duties.

We process refunds according to our refund policy.

Refund Policy

We offer a 30-day free trial to allow users to determine if the Service is a good fit. However, we understand that it's all too easy to forget to cancel a subscription. To request a refund, send an email to [email protected] within 30 days of making a payment.

Cancellation and Termination

You are solely responsible for properly canceling your account. Within our Service, we provide a simple cancellation link. An email request to cancel your account is not automatically considered cancellation.

If you cancel your account before the end of your current billing period, you will retain access to the Service through the end of the billing period. At the end of the billing period, you will lose access to the Service and you won't be charged again. We do not offer prorated refunds.

Once your account is cancelled and your current billing period ends, your data will be inaccessible but will remain in our systems for some time. Your data may remain in backups or logs for an extended period. Once your data has been deleted from active systems, we cannot recover this information.

We have the right to suspend or terminate your account and refuse any and all current or future use of our Service for any reason at any time. Suspension means you and any other users on your account will not be able to access the account or any content in the account. Termination will furthermore result in the deletion of your account or your access to your account, and the forfeiture and relinquishment of all content in your account. We also reserve the right to refuse the use of the Service to anyone for any reason at any time. See our Use Restrictions Policy above.

Verbal, physical, written or other abuse (including threats of abuse or retribution) of a Company employee or officer will result in immediate account termination.

Modifications to the Service and Prices

We reserve the right at any time to modify or discontinue, temporarily or permanently, any part of our Service with or without notice.

Sometimes we change the pricing structure for our products. If we do so, we will give at least 30 days notice and will notify you via the email address on record. We may also post a notice about changes on our websites or the affected Services themselves.

Uptime, Security, and Privacy

Your use of the Service is at your sole risk. We provide the Service on an “as is” and “as available” basis. We do not offer service-level agreements for our Service, but we do take uptime seriously.

We reserve the right to temporarily disable your account if your usage significantly exceeds the average usage of other customers of the Services. Of course, we’ll reach out to the account owner before taking any action except in rare cases where the level of use may negatively impact the performance of the Service for other customers.

We take many measures to protect and secure your data through backups, redundancies, and encryption. We enforce encryption for data transmission from the public Internet.

When you use our Service, you entrust us with your data. We take that trust to heart. You agree that the Company may process your data as described in our Privacy Policy and for no other purpose.

We do not store your financial account or transaction data. This data passes through our systems as it's pushed to your Notion account, but we do not retain copies except for logging or debugging purposes.

We use third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run the Services. Here is a list of current processors that may process your information:

Accuracy and Completeness

The Service fetches financial account and transaction data and pushes it to Notion. We do not guarantee that this information will be complete or correct, and we are not responsible for the accuracy or completeness of such information.

We rely on Plaid to connect to financial accounts. The Company assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, or loss of user data.

Plaid connections to financial accounts sometimes stop working. In these cases, Latwy will notify Plaid and attempt to fix the problem. However, problematic financial account connections are out of Latwy's hands and are not grounds for a refund outside of the specified refund policy.

Copyright and Content Ownership

All content posted on the Service must comply with U.S. copyright law.

You give us a limited license to use the content posted by you in order to provide the Service to you, but we claim no ownership rights over those materials. All materials you submit to the Service remain yours.

The Company or its licensors own all right, title, and interest in and to the Service, including all intellectual property rights therein, and you obtain no ownership rights in the Services as a result of your use. You may not duplicate, copy, or reuse any portion of the HTML, CSS, JavaScript, or visual design elements without express written permission from the Company. You must request permission to use the Company’s logos or any Service logos for promotional purposes. We reserve the right to rescind any permissions if you violate these Terms.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services without the express written permission of the Company.

Features and Bugs

We design our Service with care. However, there is no such thing as a service that pleases everybody. We make no guarantees that our Service will meet your specific requirements or expectations.

We also test all of our features extensively before shipping them. As with any software, our Service inevitably has some bugs. We track the bugs reported to us and work through priority ones, especially any related to security or privacy. Not all reported bugs will get fixed and we don’t guarantee completely error-free Service.

Liability

We mention liability throughout these Terms but to put it all in one section:

You expressly understand and agree that the Company shall not be liable, in law or in equity, to you or to any third party for any direct, indirect, incidental, lost profits, special, consequential, punitive or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Services; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Services; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; (v) or any other matter relating to these Terms or the Services, whether as a breach of contract, tort (including negligence whether active or passive), or any other theory of liability.

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