Terms of Service

Welcome to Curl Budget. These Terms of Service ("Terms") govern your access to and use of the Curl Budget LLC ("Curl Budget") mobile applications, web application, and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, do not use the Service.

1. Acceptance of Terms

By creating an account, downloading the app, or using any part of the Service, you:

• Confirm you are at least 18 years of age (or the age of majority in your jurisdiction)
• Agree to comply with these Terms and all applicable laws
• Have the authority to enter into these Terms
• Consent to the collection and use of your information as described in our Privacy Policy

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Curl Budget is a personal finance management application that helps you:

• Import and organize financial transactions from connected bank accounts
• Categorize spending and create custom budgets
• Track spending patterns and receive insights
• Collaborate with others through shared workspaces
• Export and analyze your financial data
• Model retirement scenarios using simulation-based projections

3. Account Registration and Security

3.1 Account Creation

To use Curl Budget, you must:

• Provide a valid email address
• Complete the authentication process via magic link
• Accept these Terms and our Privacy Policy

3.2 Account Security

You are responsible for:

• Maintaining the security of your email account used for authentication
• All activities that occur under your account
• Notifying us immediately of any unauthorized access at security
• Not sharing magic links or authentication credentials with others

3.3 Account Termination

You may close your account at any time through the app settings. We may suspend or terminate your account if:

• You violate these Terms
• Your account is used for illegal activities
• Required by law or regulatory authority
• Your account has been inactive for an extended period

Upon termination, your data will be handled according to our Privacy Policy and Data Retention Policy. You may request immediate deletion of your data.

4. Bank Account Connections via Plaid

4.1 Plaid Integration

Curl Budget uses Plaid to connect to your financial institutions. When you connect a bank account:

• You authorize Plaid to access your bank account data on your behalf
• Plaid's own Terms of Service and Privacy Policy apply in addition to ours
• You grant Curl Budget permission to retrieve your transaction data through Plaid
• You understand that Curl Budget does not store your bank login credentials

4.2 Authorization and Consent

By connecting a bank account, you:

• Authorize Curl Budget to retrieve and store your transaction data
• Consent to ongoing data synchronization while the connection is active
• Understand you can revoke access at any time by disconnecting the account
• Acknowledge that disconnecting may limit Service functionality

4.3 Your Responsibilities

You are responsible for:

• Ensuring the accuracy of bank connections and transaction data
• Reviewing imported transactions for errors or duplicates
• Maintaining valid credentials with your financial institution
• Complying with your bank's terms of service

4.4 Service Limitations

We cannot guarantee:

• Uninterrupted connection to all financial institutions
• Availability of real-time transaction data
• Accuracy of data provided by Plaid or financial institutions
• Support for all banks and credit unions

5. AI-Powered Features (Optional)

5.1 AI Transaction Categorization

Curl Budget offers optional AI-powered transaction categorization. This feature:

• Requires explicit opt-in consent
• Sends anonymized transaction data to third-party AI providers (OpenAI, Anthropic)
• Can be disabled at any time in Settings
• Is subject to the AI provider's terms of service and privacy policy

5.2 AI Limitations

AI categorization suggestions:

• Are provided for convenience and may contain errors
• Should be reviewed and corrected as needed
• Do not constitute financial advice or recommendations
• May improve over time but are not guaranteed to be accurate

5.3 Your Control

You may:

• Opt-in or opt-out of AI categorization at any time
• Override any AI-suggested categories
• Use rule-based categorization instead of AI

6. User Conduct and Prohibited Uses

6.1 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms.

6.2 Prohibited Activities

You may NOT:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Service or servers
• Use automated tools (bots, scrapers) to access the Service without permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Upload malicious code, viruses, or harmful software
• Impersonate another person or entity
• Harass, abuse, or harm other users
• Collect or store personal information about other users without consent
• Use the Service to spam, phish, or conduct fraudulent activities
• Resell or commercialize the Service without authorization

6.3 Consequences of Violations

Violations may result in:

• Immediate account suspension or termination
• Legal action and cooperation with law enforcement
• Liability for damages caused by violations

7. Data Ownership and Usage Rights

7.1 Your Data

You retain ownership of all data you provide to Curl Budget, including:

• Transaction data (imported or manually entered)
• Categories, budgets, and tags you create
• Notes and custom fields
• Workspace configurations

7.2 License to Use Your Data

By using the Service, you grant Curl Budget a limited, non-exclusive license to:

• Store, process, and display your data to provide the Service
• Create aggregated, anonymized analytics to improve the Service
• Back up your data for disaster recovery

This license terminates when you delete your account, subject to retention periods described in our Privacy Policy.

7.3 Aggregated Data

We may use aggregated, anonymized data (not personally identifiable) for:

• Service improvement and feature development
• Industry research and insights
• Marketing and promotional purposes

7.4 Data Portability

You may export your data at any time in machine-readable formats (JSON, CSV) through the app.

8. Intellectual Property

8.1 Curl Budget Ownership

Curl Budget and its licensors own all rights to:

• The Service, including software, design, and features
• Trademarks, logos, and brand elements
• Documentation and content we create
• Algorithms, processes, and methodologies

8.2 Limited License to You

We grant you a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes in accordance with these Terms.

8.3 Restrictions

You may not:

• Copy, modify, or create derivative works of the Service
• Use our trademarks without written permission
• Remove copyright notices or proprietary markings

8.4 Feedback

You may, but have no obligation to, provide Curl Budget with feedback, suggestions, ideas, or comments relating to the Service ("Feedback"). You hereby assign all right, title, and interest in and to all Feedback to Curl Budget. Curl Budget may use, implement, and exploit all Feedback in any manner without restriction and without obligation to you, including without any obligation of confidentiality, attribution, accounting, compensation, or other duty to account.

9. Disclaimers and Limitations of Liability

9.1 No Financial Advice

9.1.1 Retirement Planning Projections

9.2 "AS IS" Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding accuracy, reliability, or availability of the Service
• Warranties that the Service will be uninterrupted, secure, or error-free
• Warranties regarding data from Plaid or financial institutions

9.3 Data Accuracy

We do not guarantee:

• Accuracy of transaction data imported from financial institutions
• Accuracy of AI categorization suggestions
• Accuracy of spending calculations or budget projections
• Correctness of any financial insights or analysis
• Accuracy of retirement projections, success probabilities, or savings estimates derived from simulation models

You are responsible for verifying the accuracy of all data and making independent financial decisions.

9.4 Third-Party Services

We are not responsible for:

• Plaid's services, availability, or data accuracy
• AI provider services, responses, or errors
• Your financial institution's systems or policies
• Third-party integrations or services

9.5 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CURL BUDGET AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Financial losses resulting from Service use or unavailability
• Damages resulting from unauthorized access to your account
• Damages resulting from reliance on Service data or features

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO CURL BUDGET IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100 IF NO FEES WERE PAID.

9.6 Jurisdictional Limitations

Some jurisdictions do not allow limitations on implied warranties or liability for incidental/consequential damages. In such jurisdictions, these limitations may not apply to you, and liability shall be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Curl Budget and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any law or third-party rights
• Your data or content submitted through the Service
• Disputes between you and other users

11. Service Availability and Modifications

11.1 Service Availability

We strive to provide reliable Service but do not guarantee:

• Uninterrupted or error-free operation
• Specific uptime percentages
• Availability during maintenance or emergencies

11.2 Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service
• Change features, functionality, or limits
• Implement usage limits or restrictions

We will provide reasonable notice of material changes when possible, but are not obligated to do so.

11.3 Maintenance

We may perform scheduled or emergency maintenance that temporarily interrupts Service. We will attempt to minimize disruption and provide notice when feasible.

12. Subscriptions and Payment Terms

12.1 Subscription Plans

Curl Budget offers subscription plans that provide full access to all features. Current plans include monthly and annual options. Pricing is displayed in the app and may vary by region.

12.2 Free Trial

New users may be eligible for a free trial period. During the trial, you have full access to all features. If you do not cancel before the trial ends, your subscription will automatically begin and you will be charged.

12.3 Subscription Purchases

Subscriptions are purchased and billed through one of the following channels, depending on how you signed up:

• Apple App Store (iOS). By subscribing, you also agree to Apple's Licensed Application End User License Agreement. Payment is charged to your Apple ID, and subscriptions are managed in your Apple ID Account Settings.
• Google Play Store (Android). Payment is charged to your Google Play account, and subscriptions are managed in your Google Play subscription settings.
• Web (curlbudget.com). Web purchases are processed by our payment provider on our behalf. Payment is charged to the payment method you provide at checkout. To manage or cancel a web subscription, contact us at support.

Regardless of channel:

• Subscriptions automatically renew at the end of each billing period unless canceled before renewal in accordance with the rules of the channel you signed up through
• Your account will be charged for renewal at or shortly before the end of the current period
• Any unused portion of a free trial period will be forfeited when you start a paid subscription

12.4 Subscription Access and Active Subscriber Status

An active subscription provides access to the Service's features as described in the app and on our website at the time of purchase. Features, usage limits, and functionality may change over time. We reserve the right to modify, add, or remove features at our discretion. Current feature availability is displayed within the app.

Active Subscriber. You are an "Active Subscriber" while your subscription is in good standing — that is, while billing is continuous through your platform (Apple App Store, Google Play Store, or other authorized channel), including any retry or grace period the platform applies to a failed renewal payment. A subscription that has been canceled, refunded, or has lapsed beyond the platform's grace period is no longer active. Resubscribing after a lapse begins a new subscription period.

12.5 Expired Subscriptions

If your subscription expires or is canceled, access to the Service will be restricted or terminated. Data retention and deletion are governed by our Privacy Policy.

12.6 Refunds

Refund requests are handled by the channel you subscribed through:

• Apple App Store: submit requests through Apple at reportaproblem.apple.com. Curl Budget does not process refunds directly for App Store purchases.
• Google Play Store: submit requests through Google Play. Curl Budget does not process refunds directly for Google Play purchases.
• Web: contact us at support to request a refund of a web purchase.

12.7 Price Changes and Subscriber Rate Lock

We may publish updated subscription prices at any time. New prices apply to new subscribers immediately and to renewing subscribers under the conditions described below.

Subscriber Rate Lock. If you are an Active Subscriber (as defined in Section 12.4), your subscription will continue to renew at the price you most recently agreed to for your current plan. We will not raise the renewal price on an Active Subscriber, even if our list prices change for new subscribers.

The Subscriber Rate Lock does not apply, and a renewal may be priced at the then-current rate, in any of the following circumstances:

• Your subscription lapses or is canceled and you later subscribe again. Resubscribing after a lapse is treated as a new subscription at then-current pricing.
• A failed renewal payment is not resolved within the grace period provided by your platform (for example, Apple's billing-retry window). Recovery within the grace period preserves your locked rate; recovery beyond the grace period is treated as a new subscription.
• You change your plan tier or billing cycle (for example, from monthly to annual, or to a different family plan). The new plan is priced at the then-current rate for that plan.

Plan Discontinuation. If we discontinue the plan you originally subscribed to, we will migrate you to the most-comparable available plan and will honor your existing locked rate where reasonably possible. If we are unable to honor your locked rate on the replacement plan, we will give you the option either to continue on the new plan at the new rate or receive a refund of the unused, prepaid portion of your then-current subscription term. We will provide notice before any such migration.

12.8 Promotional Pricing

Promotional pricing, discounts, introductory rates, or other special offers have no cash value, are non-transferable, and cannot be exchanged for credit or refund. If the Service is modified, suspended, or terminated, you are not entitled to compensation for any remaining promotional period or the difference between promotional and standard pricing. Promotional terms may be modified or discontinued at any time without notice.

13. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key points:

• We encrypt your data at rest and in transit
• We do not sell your personal information
• You have rights to access, correct, and delete your data
• We comply with CCPA, GDPR, and applicable privacy laws

Please review our Privacy Policy for complete details.

14. Dispute Resolution and Arbitration

14.1 Informal Resolution

Before initiating arbitration or legal action, you agree to first contact us at legal to attempt to resolve the dispute informally. We will attempt to resolve disputes within 30 days.

14.2 Binding Arbitration

If informal resolution fails, you agree that disputes will be resolved through binding arbitration rather than in court, except as noted below.

Arbitration terms:

• Administrator: American Arbitration Association (AAA) or JAMS
• Rules: AAA Consumer Arbitration Rules or JAMS Streamlined Arbitration Rules
• Location: Remote/online arbitration, or if in-person is required, King County, Washington
• Fees: We will pay arbitration fees for claims under $10,000
• Award: Arbitrator's decision is final and binding, with limited appeal rights

14.3 Exceptions to Arbitration

You may bring claims in small claims court if they qualify. Either party may seek injunctive relief in court for intellectual property disputes.

14.4 Opt-Out Right

You may opt out of arbitration by emailing legal within 30 days of first accepting these Terms. Your opt-out must include your name, email, and clear statement that you opt out of arbitration.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Washington, United States, without regard to conflict of law principles.

For disputes not subject to arbitration, you agree to exclusive jurisdiction and venue in the state and federal courts located in King County, Washington.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Curl Budget regarding the Service.

16.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in full effect, and the invalid provision will be modified to the minimum extent necessary to make it valid.

16.3 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or our right to enforce it later.

16.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.

16.5 Force Majeure

We are not liable for delays or failures in performance due to causes beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet/infrastructure failures.

16.6 Notices

We may provide notices to you via email, in-app messages, or by posting on our website. Notices to us must be sent to legal.

16.7 Export Controls

The Service may be subject to U.S. export control laws. You agree to comply with all applicable export and import laws and regulations.

16.8 Survival

Provisions that by their nature should survive termination (including ownership, disclaimers, limitations of liability, indemnification, and dispute resolution) will survive termination of these Terms.

17. Changes to These Terms

We may modify these Terms at any time. When we make material changes:

• We will notify you via email at least 30 days before changes take effect
• We will update the "Last Updated" date at the top of this document
• We will provide a summary of material changes

Your continued use of the Service after changes take effect constitutes acceptance of the new Terms. If you do not agree to the changes, you must stop using the Service and may delete your account.

For non-material changes (clarifications, corrections, formatting), we may update these Terms without separate notice.

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