Terms of Service

1. Acceptance of These Terms

By downloading, installing, registering for, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to both you and that organization.

Section 18 (Governing Law and Dispute Resolution) contains a binding arbitration provision and a class-action waiver that affect your legal rights. Please read it carefully.

2. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements and that the information you provide is accurate and complete. The Service is intended for use in jurisdictions where it is lawful; you are responsible for compliance with local laws.

3. The Service

ClearViewCash is a personal-finance tool that helps you view your linked account balances, subtract linked credit-card balances to show an effective available balance, track bills, income, budgets, and goals, project future cash flow, and run informational scenarios. The Service may be offered across free and paid tiers with differing features and account limits.

Not a bank; not financial advice.

ClearViewCash is not a bank, money transmitter, broker-dealer, investment adviser, tax adviser, or financial planner, and we do not hold, move, or have access to your money. The Service is provided for informational and personal-budgeting purposes only and does not constitute financial, investment, legal, accounting, or tax advice. You are solely responsible for your financial decisions. Always verify balances and transactions directly with your financial institution before acting on them.

4. Accounts and Registration

To use most features you must create an account. You agree to provide accurate information, keep it current, and keep your credentials confidential. You are responsible for all activity that occurs under your account. Notify us immediately at support@clearviewcash.com if you suspect unauthorized use. We may suspend or terminate accounts that contain false information or that are used in violation of these Terms.

5. Spaces and Shared Data

The Service lets you create "Spaces" and invite other people to collaborate. If you create or administer a Space, you are responsible for the members you invite and for the data you choose to share with them. Information you mark as shared may be visible to other members of that Space.

• You should invite only people you trust and share only data you intend others to see.
• Members may have different permissions; an administrator may add or remove members and content.
• We are not responsible for how other members use information you choose to share with them.
• Removing a member, or being removed, may not retroactively delete data they already viewed or exported.

6. Bank and Account Connections (Plaid)

To display your balances and transactions, the Service uses Plaid Inc. ("Plaid") to connect to your financial institutions on a read-only basis. When you link an account, you authorize us and Plaid to access and retrieve information from that account on your behalf. We do not receive or store your bank login credentials.

Your use of Plaid is also governed by Plaid's end-user services agreement and privacy policy. Account data is obtained from third parties and may be delayed, incomplete, or inaccurate; we do not guarantee its accuracy or availability and are not responsible for the acts or omissions of your financial institutions or of Plaid. You may disconnect a linked account at any time from within the Service.

7. Subscriptions, Billing, and Free Trials

Certain features require a paid subscription. Pricing, tiers, account limits, and trial lengths are described in the Service at the point of purchase. By starting a subscription or trial, you authorize the applicable payment processor to charge the recurring fees described until you cancel.

How you are billed.

• On Apple iOS, subscriptions are sold as in-app purchases through the Apple App Store and are processed by Apple (managed via RevenueCat). Billing, renewals, and refunds for those purchases are subject to Apple's terms and policies.
• On the web and Android, subscriptions are processed by Stripe, our third-party payment processor. We do not store full payment-card numbers.

Free trials and auto-renewal.

Free trials may require a valid payment method up front. Unless you cancel before the trial ends, the trial automatically converts to a paid subscription and your payment method is charged. Subscriptions renew automatically for successive periods at the then-current price until cancelled. You can cancel at any time through the platform you subscribed on (App Store settings for iOS, or your account billing settings for web/Android); cancellation takes effect at the end of the current billing period.

Price changes, refunds, and downgrades.

We may change prices on a prospective basis; we will provide notice as required by law or platform rules, and continued use after a change takes effect constitutes acceptance. Except where required by law or the applicable platform's policy, payments are non-refundable and partial periods are not prorated. Apple App Store purchases are non-refundable from us; refund requests for those purchases must be made to Apple. If you downgrade or cancel, you may lose access to paid features and to data that exceeds the limits of your remaining tier.

8. AI and Scenario Features

The Service may offer artificial-intelligence and scenario ("what-if") features that generate projections, summaries, or suggestions, including features powered by third-party AI providers such as OpenAI. To provide these features, relevant inputs may be transmitted to and processed by those providers.

AI-generated output is informational only, may be inaccurate or incomplete, and does not constitute financial, investment, legal, or tax advice. You are responsible for independently verifying any output before relying on it. We make no warranty regarding the accuracy or suitability of AI output.

9. Acceptable Use

You agree not to, and not to permit anyone else to:

• Use the Service for any unlawful, fraudulent, or unauthorized purpose, or in violation of any law or these Terms.
• Access or attempt to access accounts, data, or systems that you are not authorized to access.
• Reverse engineer, decompile, scrape, or attempt to extract source code, except as permitted by law.
• Interfere with, disrupt, overload, or circumvent the security or integrity of the Service.
• Upload malware, or transmit content that is infringing, defamatory, or otherwise unlawful.
• Resell, sublicense, or commercially exploit the Service without our prior written consent.

10. Your Content and License

You retain ownership of the information and content you submit to the Service ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display Your Content solely as necessary to operate, secure, improve, and provide the Service to you and to the members of your Spaces. You represent that you have the rights necessary to grant this license.

11. Intellectual Property

The Service, including its software, design, text, graphics, logos, and trademarks, is owned by RukTech Advancements LLC or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use. All rights not expressly granted are reserved.

12. Third-Party Services

The Service integrates with or relies on third-party services (for example, Plaid, Apple, Stripe, RevenueCat, OpenAI, and our hosting and infrastructure providers). Your use of those services may be subject to their own terms and privacy policies. We are not responsible for third-party services and do not endorse them. Links to third-party websites are provided for convenience only.

13. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY BALANCES, TRANSACTIONS, PROJECTIONS, OR OTHER INFORMATION WILL BE ACCURATE, COMPLETE, OR CURRENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL RUKTECH ADVANCEMENTS LLC, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

15. Indemnification

You agree to indemnify, defend, and hold harmless RukTech Advancements LLC and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, Your Content, your violation of these Terms, or your violation of any law or third-party right.

16. Termination

You may stop using the Service and delete your account at any time from within the Service. We may suspend or terminate your access at any time, with or without notice, if you violate these Terms, if required by law, or to protect the Service or other users. Upon termination, your right to use the Service ends. Deleting your account removes your data, revokes connected account links, and cancels any active subscription billed by us, subject to legal retention requirements. Sections that by their nature should survive termination will survive.

17. Changes to the Service and These Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by updating the effective date above or notifying you in the Service). Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

18. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Nebraska, United States, without regard to its conflict-of-laws rules. Subject to the arbitration provision below, you and we agree to the exclusive jurisdiction of the state and federal courts located in Nebraska for any dispute not subject to arbitration.

Informal resolution.

Before filing a claim, you agree to first contact us at support@clearviewcash.com and attempt to resolve the dispute informally for at least 30 days.

Binding arbitration; class-action waiver.

Except for claims that may be brought in small-claims court and claims for injunctive relief relating to intellectual property, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered under applicable arbitration rules, rather than in court. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Where applicable law does not permit arbitration or this waiver, this provision applies to the fullest extent permitted, and the remainder of these Terms remains in effect.

19. Apple App Store — Additional Terms

The following additional terms apply if you obtain the iOS application from the Apple App Store. They are required by Apple and supplement these Terms:

• These Terms are between you and RukTech Advancements LLC only, not with Apple Inc. ("Apple"). Apple is not responsible for the application or its content.
• Apple grants you a non-transferable license to use the application on any Apple-branded device you own or control, as permitted by the App Store Usage Rules.
• Apple has no obligation to provide maintenance or support for the application; any support questions should be directed to us at support@clearviewcash.com.
• To the extent permitted by law, Apple has no warranty obligation, and any claims relating to a failure to conform to any warranty are our responsibility, not Apple's.
• Apple is not responsible for addressing any claims by you or a third party relating to the application, including product-liability, regulatory, or consumer-protection claims, or claims that the application infringes intellectual-property rights.
• You represent that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government prohibited-party list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

20. Google Play — Additional Terms

If you obtain the Android application from Google Play, your use is also subject to the Google Play Terms of Service. These Terms are between you and RukTech Advancements LLC only, not with Google, and Google is not responsible for the application or its content.

21. Miscellaneous

These Terms, together with the Privacy Policy and any terms presented at the point of purchase, are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control.

22. Contact Us

Questions about these Terms? Contact RukTech Advancements LLC at support@clearviewcash.com, or by mail at [Business Mailing Address — to be completed].