1. Platform Nature & No Financial Advice
Alsern is an informational software tool designed solely for personal budgeting, account organization, and financial record-keeping.
Alsern is not a bank, broker, depository institution, or licensed financial advisor. Content, metrics, safe-to-spend estimations, and AI responses generated by Alsern are for general informational purposes only and do not constitute financial, investment, legal, or tax advice.
You are solely responsible for verifying your financial decisions with licensed professionals before taking action.
2. Account Responsibility & Security
You must provide accurate account information and safeguard your login credentials and local device PIN.
All actions taken under your account are your sole responsibility. You agree to notify us immediately of any unauthorized access.
3. Data Ownership & Usage License
You retain full ownership of all personal financial data and records you input into Alsern.
You grant Alsern a strictly limited license to host, encrypt, and process your data solely to deliver the platform features to you and users you invite.
Alsern will never sell, rent, or broker your personal or financial data to third parties.
4. Automations & AI Guidance
Automated rules, scheduled transactions, and AI guidance execute strictly according to your settings.
You remain responsible for monitoring your accounts and verifying bank statements. Alsern is not liable for overdrafts, bank fees, or missed payments.
5. Limitation of Liability
Alsern is provided on an 'AS IS' and 'AS AVAILABLE' basis without warranties of any kind.
To the maximum extent permitted by applicable law, Alsern, its founders, and affiliates will not be liable for direct, indirect, incidental, punitive, or consequential damages resulting from your use of or inability to use the service.
6. Account Termination & Term Updates
You may export your data and close your account at any time.
We reserve the right to suspend or terminate accounts that violate system integrity or security.
Continued use of Alsern following updates to these terms constitutes binding acceptance of the updated terms.