Terms of Service

1. Our services

In Short: Money GPT is a personal-finance dashboard: it connects to your financial accounts and presents your balances, transactions, budgets, subscriptions, investments, and debts in one place. It is not a bank, and it never moves your money.

The Services let you securely link financial accounts and view the resulting data — including through optional integrations such as our ChatGPT app. Access to the Services is read-only with respect to your financial accounts: the Services cannot initiate payments, transfers, trades, or any other transaction on your accounts.

You must be at least 18 years old and capable of forming a binding contract to use the Services. The Services are not directed at children.

2. Your account

In Short: Keep your sign-in credentials secure and your information accurate. You are responsible for activity on your account.

You must provide accurate registration information and keep it up to date. You are responsible for maintaining the confidentiality of your sign-in credentials and for all activity that occurs under your account. Notify us promptly through our contact form if you suspect unauthorized access.

3. Bank connections and your data

In Short: You authorize us to retrieve your financial data through secure, read-only bank connections. We never see or store your banking credentials, and you can disconnect any bank at any time.

When you link a financial account, you authorize us and our financial data providers to access and retrieve information from that account on your behalf — such as balances, transactions, holdings, and liabilities — so we can provide the Services. Your banking username and password are entered directly with the connection provider or your institution and never touch our servers.

• Connections are read-only; nothing can move money.
• You can disconnect a bank at any time from within the app, which revokes our access to it.
• You represent that you own, or are authorized to connect, every account you link.

4. Not financial advice

In Short: Money GPT provides information, not financial, investment, tax, or legal advice.

The Services present information derived from your connected accounts for informational purposes only. Nothing in the Services constitutes financial, investment, tax, accounting, or legal advice, or a recommendation to buy, sell, or hold any asset. We are not a bank, broker-dealer, investment adviser, or fiduciary. Before making financial decisions, consult a qualified professional.

Financial data shown in the Services is provided by your institutions through our data providers and may be delayed, incomplete, or inaccurate. Always verify balances and transactions with your financial institution before relying on them.

5. ChatGPT and other integrations

In Short: Optional integrations are governed by their own providers’ terms, and responses generated by third-party AI systems are not ours.

If you connect the Services to a third-party product — for example, adding the Money GPT app in ChatGPT — your use of that product is governed by its provider’s own terms and privacy policy. When you authorize such a connection, we make your data available to that product on your behalf, and you can revoke the connection at any time from the third-party product’s settings.

Responses composed by third-party AI systems (such as ChatGPT) are generated by those systems, not by us. While our integration provides them with data from your connected accounts, we do not control and are not responsible for how those systems interpret or present it.

6. Acceptable use

In Short: Use the Services lawfully, through the interfaces we provide, and only with accounts you are authorized to access.

You agree not to:

• Use the Services in violation of any law, or connect financial accounts you are not authorized to access;
• Probe, scan, or test the vulnerability of the Services, bypass authentication or authorization checks, or access data belonging to another user;
• Scrape, harvest, or bulk-export data from the Services other than through features we provide, or use automated systems to access the Services except through interfaces we make available;
• Copy, modify, reverse engineer, or create derivative works of the Services except as permitted by law;
• Resell, sublicense, or share access to your account;
• Interfere with or disrupt the integrity or performance of the Services.

7. Intellectual property

In Short: We own the Services; you own your data. You give us the limited rights needed to run the Services for you.

The Services — including software, design, and branding — are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use in accordance with these Terms.

You retain all rights to your data. You grant us the limited rights needed to host, process, and display it in order to provide the Services. If you send us feedback, we may use it without obligation to you.

8. Privacy

How we collect, use, and protect your personal information is described in our Privacy Policy, which forms part of these Terms.

9. Termination

In Short: You can delete your account at any time. We may suspend or terminate accounts that violate these Terms.

You may stop using the Services and delete your account at any time from your account settings. Deleting your account permanently removes your data as described in our Privacy Policy, revokes your bank connections, and ends your access to the Services.

We may suspend or terminate your access to the Services if you materially breach these Terms, if required by law, or if we discontinue the Services. Sections that by their nature should survive termination — including Sections 4 and 10 through 14 — do survive.

10. Disclaimers

In Short: The Services are provided “as is,” without warranties of any kind.

To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure, or that the financial data presented will be accurate, complete, or current.

11. Limitation of liability

In Short: Our liability is limited to the maximum extent permitted by law.

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, or goodwill, arising out of or related to your use of the Services — including decisions you make based on information shown in the Services.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

12. Indemnification

You agree to indemnify and hold us harmless from claims, damages, and expenses (including reasonable legal fees) arising out of your violation of these Terms or your misuse of the Services.

13. Changes to the services or these terms

We may modify the Services over time, including adding, changing, or removing features. We may also update these Terms; if we make material changes, we will provide notice (for example, by email or in the app) before they take effect. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

14. Governing law

These Terms are governed by the laws of the jurisdiction in which we are established, without regard to conflict-of-law principles, except where the mandatory consumer-protection laws of your place of residence provide otherwise. Any disputes will be resolved in the courts of that jurisdiction unless applicable law requires a different venue.

15. How can you contact us?

If you have questions about these Terms, contact us through our contact form.