Terms of Use

1. Acceptable Use

By using Helios Finance (“the Service”), you agree to use it only for its intended purpose: managing and viewing your personal financial data through a web-based dashboard. You agree to comply with all applicable local, state, national, and international laws and regulations.

2. Prohibited Conduct

You agree NOT to engage in any of the following activities. Any violation constitutes a material breach of these Terms and may result in immediate termination, civil liability, and/or criminal prosecution:

2.1 Unauthorized Access & Hacking

• Attempting to gain unauthorized access to the Service, other user accounts, computer systems, or networks connected to the Service through hacking, password mining, brute force, social engineering, or any other means.
• Exploiting any vulnerability, bug, or security flaw in the Service, whether known or unknown, without prior written authorization from Helios Finance.
• Bypassing, circumventing, or attempting to defeat any authentication, authorization, encryption, or security measures implemented by the Service.
• Using stolen, forged, or unauthorized credentials to access the Service.
• Accessing or attempting to access any non-public API endpoints, admin interfaces, database systems, or infrastructure components.

2.2 Denial of Service (DoS/DDoS) Attacks

• Flooding, overwhelming, or overloading our servers, networks, or infrastructure with excessive requests, traffic, or data (whether through distributed denial-of-service attacks or otherwise).
• Using automated tools, botnets, or scripts to generate artificial traffic or load against the Service.
• Intentionally degrading, disrupting, or interfering with the performance or availability of the Service for any user.

2.3 Scraping & Data Harvesting

• Using bots, crawlers, scrapers, spiders, or any automated means to access, collect, extract, or download data from the Service.
• Systematically retrieving data from the Service to create a collection, compilation, database, or directory — whether for commercial or non-commercial purposes.
• Reverse engineering, decompiling, disassembling, or attempting to derive the source code of the Service or its APIs.
• Copying, reproducing, or redistributing any part of the Service without prior written permission.

2.4 Abuse, Fraud & Misuse

• Creating multiple accounts, fake accounts, or accounts using false or misleading information.
• Impersonating any person or entity, or falsely claiming an affiliation with any person or entity.
• Using the Service for any fraudulent, deceptive, or illegal purpose.
• Transmitting viruses, malware, ransomware, trojans, worms, or any other malicious code through or to the Service.
• Interfering with or disrupting the integrity of other users' data.
• Using the Service to launder money, finance terrorism, evade taxes, or facilitate any other criminal activity.

2.5 API & Rate Limit Abuse

• Making excessive API calls that exceed reasonable usage patterns for a single user.
• Circumventing rate limits, throttling mechanisms, or access controls.
• Sharing API access, authentication tokens, or session cookies with third parties.

3. Your Responsibilities

You are solely responsible for:

• Maintaining the confidentiality and security of your account credentials (email, password, session tokens).
• All activity that occurs under your account, whether or not authorized by you.
• Ensuring your device and browser are secure and free from malware.
• Promptly notifying us at security@helios-finance.com if you suspect unauthorized access to your account.
• Your own financial decisions. The Service is a visualization tool, not a financial advisor (see our Terms of Service).

4. Data Mismanagement Disclaimer

Helios Finance is not responsible for any consequences arising from your mismanagement of data displayed in the Service.

This includes, but is not limited to:

• Sharing screenshots, exports, or other representations of your financial data with unauthorized parties.
• Leaving your account logged in on shared or public computers.
• Using the Service over unsecured networks without a VPN.
• Failing to log out of your account when not in use.
• Entering incorrect manual data (transactions, holdings, etc.) that leads to inaccurate reporting.
• Relying on cached or stale data without refreshing.

5. Enforcement & Consequences

We reserve the right to investigate and take appropriate action against anyone who, in our sole discretion, violates these Terms. Actions may include:

• Warning — For minor or first-time violations.
• Temporary suspension — Restricting access for a specified period while an investigation is conducted.
• Permanent termination — Immediate and irreversible deletion of your account and all associated data.
• Legal action — Pursuing civil litigation for damages, injunctive relief, or other equitable remedies.
• Law enforcement referral — Reporting criminal activity (hacking, DDoS, fraud) to appropriate federal, state, or local law enforcement authorities, including the FBI, FTC, or relevant cybercrime units.

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Helios Finance and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without prior written consent.

7. Monitoring & Logging

We reserve the right to monitor usage patterns, API calls, and system activity to detect abuse, enforce these Terms, and maintain the security and integrity of the Service. Logged data may include:

• IP addresses and geolocation data.
• API request frequency and patterns.
• Authentication events (logins, logouts, failed attempts).
• User-agent strings and device information.

This monitoring data is used solely for security and operational purposes and is handled in accordance with our Privacy Policy.

8. Responsible Disclosure

If you discover a security vulnerability in the Service, we request that you report it responsibly to security@helios-finance.com rather than exploiting it. We commit to:

• Acknowledging your report within 48 hours.
• Working in good faith to resolve the issue promptly.
• Not pursuing legal action against individuals who report vulnerabilities in good faith and comply with responsible disclosure principles.

9. Changes to Terms of Use

We may update these Terms of Use at any time. Material changes will be communicated by posting the revised terms on this page and updating the “Last updated” date. Continued use of the Service after changes constitutes acceptance.

10. Contact

For questions about these Terms of Use, to report abuse, or for security concerns:

• General: legal@helios-finance.com
• Security: security@helios-finance.com
• Website: helios-finance.com