Service Overview & Usage Terms

My Astro Finance provides a metaphysical exploration of personal archetypes using birth data. By synthesizing three historical divination systems—BaZi (Chinese Four Pillars), Numerology, and Western Natal Charts—the application offers a thematic perspective on wealth and resource management concepts.

Metaphysical Archetype Analysis ("Financial DNA")

The application explores potential personality traits related to resource management. Utilizing the traditional BaZi "10 Gods" system, it categorizes personality archetypes into symbolic profiles, such as:

• Direct Wealth: Symbolic of stable, career-oriented predispositions.
• Indirect Wealth: Symbolic of entrepreneurial or risk-tolerant predispositions.
• Eating God / Hurting Officer: Symbolic of creative or skills-based expression.

Additionally, the "Day Master" strength analysis provides a metaphorical assessment of one's capacity to manage stress and resources. This is a character analysis tool and not a measurement of actual bank balance or creditworthiness.

Pattern Recognition ("Wealth Configuration")

Users are presented with classical configuration patterns derived from historical texts. For example, the "Eating God generates Wealth" pattern is interpreted as a potential inclination towards monetizing personal skills, while "Much Wealth, Weak Body" is interpreted as a suggestion to focus on self-development before expansion. Ratings provided (e.g., "Excellent" to "Poor") are strictly based on astrological compatibility rules and do not reflect real-world economic conditions.

Cyclical Timing Indicators

The application calculates "Luck Pillars" based on birth data to identify symbolic 10-year cycles. These periods are labeled according to metaphysical elements (e.g., "Wealth period," "Resource period"). These labels refer to energetic themes described in ancient texts and are not guarantees of market timing, stock performance, or economic climates. Users should not use these timing indicators to time the stock market or make speculative investments.

Symbolic Probability Analysis

The "Unexpected Wealth" feature aggregates symbolic indicators from BaZi stars, Numerology master numbers, and planetary placements (such as Uranus). References to "windfalls," "lottery," or "gambling" are strictly for entertainment purposes related to luck archetypes. Astro Finance does not encourage gambling; the odds of winning games of chance remain mathematically fixed regardless of astrological indicators.

The "Actionable Roadmap" offers generalized life coaching suggestions based on the user's chart configuration. These suggestions are metaphorical and broad in nature:

• A suggestion to "focus on teaching" is derived from the "Eating God" star.
• A suggestion to "build foundations" is a general strategy for "Weak Day Masters."

These suggestions do not constitute a personalized financial plan. They do not take into account your current financial status, debts, assets, or local economic laws.

My Astro Finance employs a "Cross-System Validation" technique, highlighting themes that appear consistently across BaZi, Numerology, and Western Astrology. While this synthesis aims to provide a robust metaphysical profile, consistency across divination systems does not equate to scientific validation or empirical fact. The service provides a traditional cultural perspective on wealth, distinct from modern economic theory.

When you use My Astro Finance, the application analyzes your birth data and generates a comprehensive report containing the following elements:

5.1 Your Financial DNA Analysis

The app identifies your unique money-making archetype pattern using the traditional BaZi 10 Gods system. You'll discover whether your chart suggests inclinations toward:

• Stable Employment (Direct Wealth): Traditional career paths with consistent income streams.
• Entrepreneurial Ventures (Indirect Wealth): Business ownership, investments, and variable income opportunities.
• Skills-Based Income (Eating God): Teaching, consulting, creative services, and expertise monetization.
• Innovation-Driven Earnings (Hurting Officer): Cutting-edge ventures, disruptive ideas, and unconventional approaches.

The report includes your Day Master strength analysis—a metaphorical assessment of your capacity to handle opportunities. This is a personality assessment, not financial capability analysis.

5.2 Your Wealth Configuration Pattern

You receive identification of which classical wealth patterns appear in your chart, such as:

• "Eating God → Wealth" Configuration: Suggests a pattern where skills directly convert to income.
• "Much Wealth, Weak Body" Pattern: Indicates a need to focus on personal development before pursuing expansion.
• Other Traditional Patterns: Various configurations from classical BaZi texts with historical interpretations.

Each pattern receives a quality rating (Excellent, Good, Average, Fair, or Poor) based on traditional astrological compatibility rules, along with detailed interpretations explaining the symbolic meaning. These ratings are cultural/traditional assessments, not credit scores or financial health indicators.

5.3 Current Timing & Future Windows Analysis

The application calculates your 10-year Luck Pillars and identifies:

• Which period you're currently in (based on your birth date and current date)
• The elemental nature of each upcoming period (Wealth, Output, Resource, etc.)
• Symbolic themes for each decade (optimal times for financial initiatives, skill development, or education investments)
• A timeline showing when different energetic themes may be present

Important: These timing indicators describe metaphysical cycles from ancient traditions. They are not economic forecasts, market predictions, or investment timing advice. Do not make financial decisions based solely on these cycles.

5.4 Unexpected Wealth Probability Analysis

The report includes a symbolic "windfall probability" calculation using 20+ indicators across all three systems:

• BaZi Special Stars: Such as Dragon-Phoenix (龙凤呈祥) and other traditional wealth stars
• Numerology Master Numbers: 11, 22, 33, and other significant number patterns
• Natal Chart Placements: Uranus, Jupiter, and other planetary positions related to luck themes

The analysis provides entertainment-focused information about:

• Symbolically "favorable" dates (for entertainment purposes only)
• Gambling risk assessment based on chart patterns (reminder: gambling odds are fixed regardless of astrology)
• Travel-related windfall indicators from traditional interpretations
• Whether wealth themes appear through work-related or luck-related sectors in your chart

Critical Disclaimer: This section is purely for entertainment and cultural exploration. Do not gamble, make speculative investments, or financial decisions based on these indicators. The mathematical odds of games of chance remain unchanged regardless of astrological configurations.

5.5 Actionable Roadmap & Recommendations

Instead of vague predictions, you receive a structured action plan organized into three timeframes:

• Immediate Steps: Suggestions aligned with your current elemental period and chart configuration
• Short-Term Strategies (1-3 years): Thematic guidance based on upcoming Luck Pillars
• Long-Term Recommendations (5-10 years): Patterns and themes for future planning consideration

These are general life coaching themes, not personalized financial advice. They do not consider your actual financial situation, risk tolerance, existing obligations, or local regulations. Always consult licensed professionals for actual financial planning.

5.6 Cross-System Validation Report

Because My Astro Finance synthesizes three different divination systems (BaZi, Numerology, and Western Astrology), your report includes:

• A comparison chart showing which themes appear across multiple systems
• Highlighted areas where all three systems suggest similar patterns
• Individual system reports so you can see each perspective separately
• A confidence indicator showing alignment strength across systems

When multiple ancient systems suggest similar themes, this is presented as "cosmic confirmation" within the context of traditional metaphysical study. This does not constitute scientific validation or empirical evidence. It represents consistency within traditional cultural frameworks only.

5.7 Summary: What You Walk Away With

After using My Astro Finance, you receive:

• Identification of your money-making archetype strengths (from traditional metaphysical perspective)
• Your wealth configuration pattern with quality rating (based on classical astrological rules)
• Optimal timing themes for different life areas (symbolic 10-year cycles)
• Windfall probability assessment (for entertainment purposes only)
• A prioritized action plan with immediate, short-term, and long-term suggestions (general life coaching themes)
• Cross-system validation showing consistent patterns across three divination methods

All of this is grounded in centuries-old traditional methodologies from BaZi, Numerology, and Western Astrology—presented as cultural and metaphysical exploration, not oversimplified pop astrology or professional financial guidance.

To be absolutely clear, My Astro Finance does NOT provide:

• ✗ Professional financial advice or investment recommendations
• ✗ Tax guidance or accounting services
• ✗ Legal or regulatory compliance advice
• ✗ Credit counseling or debt management services
• ✗ Securities analysis or stock picking
• ✗ Guaranteed outcomes or financial predictions
• ✗ Scientifically validated or empirically proven information
• ✗ Personalized financial plans based on your actual financial situation

My Astro Finance is a cultural and metaphysical exploration tool based on ancient divination systems. It provides traditional interpretations and thematic guidance for entertainment and self-reflection purposes only.

You expressly acknowledge, understand, and agree that:

1. You are using the Service entirely at your own risk and discretion;
2. You are solely and exclusively responsible for all financial decisions, investments, expenditures, and economic actions you undertake;
3. You will NOT rely on, use, or consider information from My Astro Finance as a substitute for professional financial advice from licensed and qualified advisors;
4. You understand that astrological, numerological, and metaphysical systems have no scientifically proven correlation with financial outcomes, market performance, or economic success;
5. Any actions you take based on information from the Service are taken voluntarily, knowingly, and with full understanding that such actions may result in financial loss;
6. Before making ANY significant financial decision, you will consult with appropriately licensed professionals including but not limited to: certified financial planners (CFP), registered investment advisors (RIA), certified public accountants (CPA), tax attorneys, estate planning attorneys, and other relevant experts;
7. You have been explicitly warned NOT to engage in gambling, speculative trading, risky investments, or any financial behavior based on astrological or numerological indicators.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY:

1. DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
2. LOSS OF PROFITS, REVENUE, BUSINESS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES;
3. FINANCIAL LOSSES OF ANY KIND, INCLUDING BUT NOT LIMITED TO: INVESTMENT LOSSES, TRADING LOSSES, GAMBLING LOSSES, BUSINESS LOSSES, OPPORTUNITY COSTS, OR DIMINUTION OF ASSET VALUE;
4. DAMAGES RESULTING FROM: (a) YOUR USE OR INABILITY TO USE THE SERVICE; (b) ANY RELIANCE ON CONTENT PROVIDED BY THE SERVICE; (c) ANY ERRORS, OMISSIONS, INACCURACIES, OR INTERRUPTIONS IN SERVICE; (d) UNAUTHORIZED ACCESS TO YOUR DATA; OR (e) ANY OTHER MATTER RELATING TO THE SERVICE;
5. DAMAGES ARISING FROM THIRD-PARTY CONDUCT, WEBSITES, SERVICES, OR CONTENT;
6. ANY CLAIMS BY THIRD PARTIES RESULTING FROM YOUR USE OF THE SERVICE.

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH ANY CLAIM IS BASED (WHETHER CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF THE SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

IN JURISDICTIONS THAT DO NOT ALLOW THE COMPLETE EXCLUSION OF LIABILITY, THE SERVICE PROVIDERS' LIABILITY IS LIMITED TO THE MINIMUM EXTENT PERMITTED BY LAW. IN ANY CASE, THE TOTAL AGGREGATE LIABILITY OF THE SERVICE PROVIDERS FOR ANY AND ALL CLAIMS RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO USE THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED UNITED STATES DOLLARS ($100 USD), WHICHEVER IS LESS.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE SERVICE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT;
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, OR USEFULNESS OF ANY INFORMATION PROVIDED;
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS;
• WARRANTIES REGARDING THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE;
• ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

THE SERVICE PROVIDERS MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE VALIDITY, ACCURACY, OR EFFICACY OF ASTROLOGICAL, NUMEROLOGICAL, OR METAPHYSICAL INTERPRETATIONS. YOU ACKNOWLEDGE THAT SUCH SYSTEMS LACK SCIENTIFIC VALIDATION AND ARE NOT RECOGNIZED BY THE SCIENTIFIC, FINANCIAL, OR MEDICAL COMMUNITIES AS RELIABLE PREDICTIVE OR ANALYTICAL TOOLS.

You agree to indemnify, defend, and hold harmless the Service Providers from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees and court costs) arising from or relating to:

1. Your use of or access to the Service;
2. Your violation of these Terms or any applicable law or regulation;
3. Your violation of any rights of any third party;
4. Any financial decisions or actions you take based on information from the Service;
5. Any content or information you submit, post, or transmit through the Service;
6. Any negligent or wrongful conduct by you or anyone using your account.

This indemnification obligation shall survive termination of your use of the Service and shall continue in perpetuity.

The Service Providers make absolutely no guarantees, promises, or predictions regarding:

• Future financial success, wealth accumulation, income increases, or economic outcomes;
• Investment returns, market performance, or asset appreciation;
• Employment opportunities, career advancement, or business success;
• Lottery winnings, gambling success, or any form of windfall gains;
• The accuracy, timing, or occurrence of any events, opportunities, or circumstances;
• Compatibility between astrological indicators and real-world outcomes.

Past performance, historical patterns, or traditional interpretations DO NOT predict or guarantee future results. Any perceived correlations between astrological configurations and life events are coincidental and not causally related.

You expressly agree NOT to use the Service for any of the following purposes:

• Making significant financial decisions including but not limited to: purchasing securities, selling assets, taking loans, making investments, entering contracts, or changing employment;
• Timing market transactions, securities trading, cryptocurrency trading, forex trading, or commodity trading;
• Determining gambling activities, lottery purchases, or other games of chance;
• Replacing professional financial planning, tax planning, estate planning, or legal advice;
• Medical decisions or health-related choices;
• Providing advice or recommendations to third parties in any professional capacity;
• Any illegal, fraudulent, deceptive, or harmful purpose.

The Service may contain links to third-party websites, resources, or services that are not owned or controlled by the Service Providers. The Service Providers have no control over, and assume no responsibility for, the content, privacy policies, terms of use, or practices of any third-party websites or services. You acknowledge and agree that the Service Providers shall not be liable, directly or indirectly, for any damage or loss caused by or in connection with the use of any third-party content, goods, or services.

The Service Providers reserve the right, at their sole discretion, to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice, for any reason or no reason. The Service Providers may also modify these Terms at any time by posting revised terms. Your continued use of the Service following such modifications constitutes your acceptance of the modified terms. The Service Providers may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with applicable rules, rather than in court, except that you may assert claims in small claims court if your claims qualify. Judgment on the arbitration award may be entered in any court having jurisdiction.

CLASS ACTION WAIVER: YOU AND THE SERVICE PROVIDERS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. UNLESS BOTH YOU AND THE SERVICE PROVIDERS AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect. The failure of the Service Providers to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

These Terms, together with our Privacy Policy and any other legal notices or policies published by the Service Providers, constitute the entire agreement between you and the Service Providers concerning the Service and supersede all prior or contemporaneous agreements, representations, warranties, and understandings with respect to the Service.

The following specific disclaimers apply to all financial-related content in the Service:

• "Wealth Periods" and "Timing": References to favorable or unfavorable periods for financial activities are metaphorical interpretations of astrological cycles and have no correlation with actual economic cycles, market conditions, or investment opportunities.
• "Windfall Probability": Calculations regarding unexpected wealth, lottery luck, or gambling success are provided solely for entertainment. Actual probability of winning games of chance is determined by mathematics and remains constant regardless of astrological factors.
• "Financial DNA" and Archetypes: Descriptions of money-making patterns, wealth capacity, or financial personality are theoretical character assessments based on ancient philosophy, not evaluations of actual earning potential, creditworthiness, or financial capability.
• "Actionable Roadmap": Suggestions and recommendations are general life coaching themes based on traditional interpretations, not personalized financial plans tailored to your specific circumstances, goals, risk tolerance, or financial situation.
• Examples and Success Stories: Any references to successful individuals are illustrative examples only and do NOT suggest or imply that following astrological guidance will produce similar results.

This Service is not registered with, approved by, or endorsed by any governmental financial regulatory authority including but not limited to: the U.S. Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Internal Revenue Service (IRS), or any state securities regulators. The Service does not provide services that require registration or licensing under federal or state securities laws, investment advisor laws, insurance laws, or tax preparation laws.

BY USING THE SERVICE, YOU EXPLICITLY ACKNOWLEDGE THAT:

1. You have read and understood these Terms in their entirety;
2. You have had the opportunity to seek independent legal counsel regarding these Terms;
3. You understand the entertainment-only nature of the Service;
4. You will not rely on the Service for any professional advice;
5. You accept all risks associated with using the Service;
6. You agree to all limitations of liability and disclaimers;
7. You waive any and all claims against the Service Providers to the maximum extent permitted by law.

IF YOU ARE DISSATISFIED WITH ANY ASPECT OF THE SERVICE, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.