Terms of Service

1. Acceptance of Terms

By accessing or using ClearWealth at app.clearwealth.app or clearwealth.app (the "Service"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service. You must be at least 18 years old to use ClearWealth.

2. Description of Service

ClearWealth is a personal finance application that helps users track debt payoff progress, manage budgets, set savings goals, and gain financial insights. The Service includes:

• Debt payoff planning with snowball and avalanche strategies
• Zero-based budget management with spending envelopes
• Bank account connectivity via Plaid for automatic transaction import
• AI-powered financial insights and advisor chat
• FIRE (Financial Independence, Retire Early) calculator
• Net worth tracking and financial health scoring
• Weekly financial summary email reports

3. Account Registration

To use most features of ClearWealth, you must create an account. You agree to:

• Provide accurate, complete, and current information during registration
• Maintain the security of your password and account credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities that occur under your account

We reserve the right to terminate accounts that violate these Terms or that have been inactive for an extended period.

4. Subscription and Billing

ClearWealth offers free and paid subscription plans. By subscribing to a paid plan:

• You authorize us to charge your payment method on a recurring basis (monthly or annually)
• Subscriptions automatically renew unless cancelled before the renewal date
• You can cancel your subscription at any time from the Billing page — cancellation takes effect at the end of the current billing period
• We do not provide refunds for partial billing periods
• Prices may change with 30 days notice — early subscribers who subscribed before a price change retain their original rate

All payments are processed by Stripe, Inc. By providing payment information, you also agree to Stripe's Terms of Service.

5. Bank Account Connectivity

ClearWealth uses Plaid Technologies, Inc. to enable bank account connectivity. By connecting your bank accounts:

• You authorize ClearWealth and Plaid to access your financial account information
• You agree to Plaid's End User Privacy Policy
• You grant us read-only access to your transaction history, balances, and account information
• We will never initiate transfers, payments, or any transactions on your behalf
• You can revoke bank access at any time from the Bank Sync settings page

6. AI Financial Advisor

ClearWealth includes an AI-powered financial advisor feature. Important limitations:

• The AI advisor provides general financial information and education only
• Nothing in the AI advisor constitutes professional financial, investment, legal, or tax advice
• You should consult a qualified financial advisor before making significant financial decisions
• AI responses may contain errors — always verify important financial information independently
• Your financial data is sent to Anthropic's API to generate responses — see our Privacy Policy for details

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Reverse engineer, decompile, or attempt to extract source code from the Service
• Use the Service to transmit malware, spam, or harmful code
• Share your account credentials with others or create accounts on behalf of others
• Use automated tools to scrape or extract data from the Service

8. Financial Disclaimer

ClearWealth is a financial tools application, not a licensed financial advisor, broker, or investment advisor. The calculations, projections, and insights provided by the Service are for informational and educational purposes only. We make no representations or warranties about the accuracy of financial calculations or projections. Past financial performance is not indicative of future results. Always consult a qualified financial professional before making significant financial decisions.

9. Intellectual Property

ClearWealth and all associated content, features, and functionality are owned by Cavan Ventures LLC and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our express written permission.

You retain ownership of any financial data you enter into the Service. By using the Service, you grant us a limited license to process and display your data solely to provide the Service to you.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CAVAN VENTURES LLC DISCLAIMS ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT SHALL CAVAN VENTURES LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify and hold harmless Cavan Ventures LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.

13. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms. You may delete your account at any time from the Settings page. Upon termination, your right to use the Service ceases immediately and your data will be deleted in accordance with our Privacy Policy.

14. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by email or by displaying a notice in the app at least 30 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Service shall be resolved in the state or federal courts located in Florida.

16. Contact Us

If you have questions about these Terms, please contact us:

• Email: support@clearwealth.app
• Company: Cavan Ventures LLC
• Website: clearwealth.app