We respect your privacy and are committed to safeguarding your personal information.
This Privacy Policy explains what data we collect, how we use it, and the choices you have regarding your information.

By using our website or services, you consent to the practices outlined here.

Terms and Conditions

1. Acceptance of Terms

By using Chatpilot (the "Service"), you (the "User") agree to these Terms and Conditions ("Terms") set forth by Optima. These Terms govern your use of the website, mobile application, and all services provided by authority of Chatpilot.

2. Eligibility

You must be at least 18 years old to use our platform.
By agreeing to these Terms, you represent that you are of legal age and capable of entering into a legally binding agreement.

3. Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information during the registration process.

• Maintain the security of your password and account.

• Notify us immediately of any unauthorized use of your account or security breach.

4. Service Description

Chatpilot provides users with tools to manage their personal and business finances, including but not limited to:

• Income and expense tracking

• Bill payments

• Financial reports

• Budget planning

• Savings

• Remittance

Our services are provided “as-is,” and we make no guarantees as to the accuracy, completeness, or suitability of any data generated by our platform.

5. Subscription and Payment

To access certain features, a subscription is required.

a. Subscription Plans

We offer different subscription plans with varying levels of access and features.
Your subscription begins when you create an account and select a payment plan.
You can view details and pricing for all subscription options [here].

b. Billing

Payments are processed automatically on a monthly or annual basis, depending on your selected plan.
You are responsible for:

• Keeping your payment details up to date

• Ensuring sufficient funds are available to cover fees

c. Refunds

Refunds are handled case-by-case. Generally, we do not offer refunds for partially used subscription periods.
Please contact our support team for more information.

6. Free Trials

We may offer a free trial of certain features or subscription plans for a limited time.
At the end of the trial period:

• You will be automatically charged for the selected plan

• Unless you cancel before the trial ends

You will be clearly notified of the trial terms upon sign-up.