Terms & Conditions
Last updated: March 26, 2026
1. Acceptance of Terms
By accessing or using any services provided by 104 Ventures ("Company," "we," "us," or "our"), including our products Finessi and Grovvo.ai, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
2. Description of Services
104 Ventures operates the following products:
- Finessi — A gamified personal finance application available on iOS and Android that helps users track spending, manage savings, and develop healthy financial habits.
- Grovvo.ai — An AI-powered social media management platform that automates content creation, scheduling, and publishing for businesses and individuals.
3. User Accounts
To access certain features of our products, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
4. Acceptable Use
You agree not to use our services to:
- Violate any applicable local, state, national, or international law or regulation.
- Transmit any material that is unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable.
- Interfere with or disrupt the services or servers or networks connected to the services.
- Attempt to gain unauthorized access to any portion of the services or any other systems or networks.
- Use the services for any commercial purpose not expressly permitted by us.
5. Intellectual Property
All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, audio, video, software, and code, are the exclusive property of 104 Ventures and are protected by United States and international copyright, trademark, and other intellectual property laws.
6. User Content
By submitting content through our services (including but not limited to social media content created via Grovvo.ai), you retain ownership of your content. You grant 104 Ventures a non-exclusive, worldwide, royalty-free license to use, store, and process your content solely as necessary to provide and improve our services.
7. Disclaimer of Warranties
Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the services will be uninterrupted, error-free, or free of viruses or other harmful components.
Financial Disclaimer (Finessi): Finessi is a financial tracking and budgeting tool. It does not provide financial, investment, tax, or legal advice. Users should consult qualified professionals for financial decisions.
8. Limitation of Liability
To the fullest extent permitted by applicable law, 104 Ventures shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.
9. Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use the services will immediately cease.
10. Changes to Terms
We reserve the right to modify these terms at any time. We will notify users of material changes by posting the updated terms on our website with a new "Last Updated" date. Your continued use of the services after changes constitutes acceptance of the revised terms.
11. Governing Law
These terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
12. Contact Information
If you have any questions about these Terms and Conditions, please contact us at:
Email: contact@104vc.com