Terms of Use

Last updated: April 4, 2026

Please read these Terms of Use carefully before accessing or using any part of the wofucai platform or services. By accessing or using the service, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, you must not use the service.

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and wofucai ("we," "us," or "our") governing your access to and use of the website located at wofucai.com and all associated services, features, content, and functionality (collectively, the "Service"). Your continued use of the Service following any updates to these terms constitutes acceptance of the revised terms.

2. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this age requirement and that you have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these terms.

3. Description of Service

wofucai provides an AI-powered financial planning platform that enables users to access personalised financial guidance, planning tools, and specialist consultation delivered remotely. The Service is designed to support individual financial planning goals through direct interaction with qualified specialists and intelligent automated tools.

The Service is informational and planning-oriented in nature. Nothing provided through the Service constitutes regulated financial advice, investment advice, tax advice, or legal advice unless explicitly stated in a separate written engagement agreement with a qualified professional.

4. Account Registration

4.1 Account Creation

To access certain features of the Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated at all times.

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at help@wofucai.com if you suspect any unauthorised access to or use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.

4.3 Account Termination

We reserve the right to suspend or terminate your account at our discretion if we determine that you have violated these terms, engaged in fraudulent activity, or otherwise misused the Service.

5. Permitted Use

You agree to use the Service only for lawful purposes and in accordance with these Terms of Use. You agree not to:

6. Intellectual Property

6.1 Ownership

All content, materials, software, algorithms, data models, trademarks, logos, and other intellectual property made available through the Service are owned by or licensed to wofucai and are protected by applicable intellectual property laws. Nothing in these terms transfers any ownership rights to you.

6.2 Limited Licence

Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial financial planning purposes. This licence does not include the right to reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any part of the Service.

6.3 User Content

Any information, data, or content you submit to the Service remains your property. By submitting content, you grant wofucai a limited licence to use, process, and store that content solely for the purpose of providing and improving the Service. We will handle your content in accordance with our Privacy Policy.

7. AI-Generated Content and Financial Planning Tools

The Service incorporates artificial intelligence and automated tools to generate financial planning recommendations, projections, and analysis. You acknowledge and agree that:

8. Fees and Payment

Access to certain features of the Service may require payment of fees. Where applicable, fees will be clearly disclosed prior to purchase. You agree to pay all applicable fees in accordance with the pricing and payment terms presented at the time of your subscription or purchase. All fees are non-refundable unless otherwise stated in a separate refund policy or required by applicable law. We reserve the right to modify our fees upon reasonable notice.

9. Third-Party Links and Services

The Service may contain links to third-party websites, tools, or services. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk and subject to their respective terms and conditions.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. By using the Service, you consent to the collection, use, and processing of your information as described in the Privacy Policy.

11. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, wofucai disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free from harmful components. We do not warrant that any results obtained from the use of the Service will be accurate, reliable, or complete.

12. Limitation of Liability

To the fullest extent permitted by applicable law, wofucai and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or financial losses, arising out of or in connection with your use of or inability to use the Service.

In no event shall our total aggregate liability to you for all claims arising out of or relating to the Service exceed the amount you paid to us in the twelve months preceding the claim, or one hundred euros (€100), whichever is greater.

13. Indemnification

You agree to indemnify, defend, and hold harmless wofucai and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to your use of the Service, your violation of these Terms of Use, or your violation of any rights of a third party.

14. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

15. Modifications to These Terms

We may update these Terms of Use from time to time. When we do, we will revise the "Last updated" date at the top of this page. If changes are material, we will provide notice through the Service or by other reasonable means. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised terms.

16. Termination

Either party may terminate the agreement formed by these Terms of Use at any time. You may terminate by discontinuing use of the Service and closing your account. We may terminate or suspend your access immediately, without prior notice or liability, for any reason, including if you breach these terms. Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

17. Governing Law and Disputes

These Terms of Use and any disputes arising out of or relating to them or the Service shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles. Any disputes that cannot be resolved informally shall be submitted to the competent courts of the jurisdiction in which wofucai operates.

Before initiating any formal dispute proceedings, you agree to first contact us at help@wofucai.com to attempt to resolve the matter informally. We will make reasonable efforts to resolve disputes through good-faith negotiation.

18. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and wofucai with respect to the Service and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral.

20. Contact Us

If you have any questions, concerns, or requests regarding these Terms of Use, please contact us using the details below: