Terms of Use

Welcome to FinNudge.

These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and Solcrest Ventures LLC, the operator of FinNudge(“FinNudge,” “Company,” “we,” “us,” or “our”), regarding your access to and use of the FinNudge website, web application, mobile experiences, software, APIs, features, content, and related services (collectively, the “Services”).

By accessing, registering for, or using the Services, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must discontinue use immediately.

FinNudge provides digital personal finance tools and related educational services, including but not limited to:

• Budgeting and spending analysis
• Cash-flow forecasting
• Recurring expense tracking
• Savings goal planning
• Household finance collaboration and shared account visibility
• Circles: shared bills, expense splitting, and settlement recordkeeping
• Family allowance and spending-limit tools
• Category and transaction intelligence
• Financial alerts and behavioral nudges
• AI-powered financial education and insights

FinNudge is designed for personal financial organization and education only.

FinNudge is an informational and organizational tool. Features that allow you to split expenses, track shared bills, or record settlements among members of a Circle or Household are provided for recordkeeping purposes only. FinNudge does not hold, transmit, transfer, disburse, or process funds between you and any other person, does not act as a money transmitter, money services business, escrow agent, bank, or payment processor, and is not a party to any obligation between you and another individual.

Marking a shared expense as “settled” records that you and the other person consider it resolved. It does not move money and does not create, satisfy, or discharge any legal debt. You are solely responsible for making and receiving any actual payments through your own chosen means and for resolving any disputes regarding amounts owed. The only payments FinNudge processes are your own subscription charges, handled by our payment processor as described in the Billing Policy.

To use FinNudge, you represent and warrant that:

• You are at least 18 years old
• You have legal capacity to enter into these Terms
• Any information you provide is accurate, current, and complete
• You will maintain the accuracy of your account information
• If you use any feature that permits you to record information about a child, you are that child's parent or legal guardian, or are otherwise authorized to provide such information
• If you invite or add another person to a shared feature such as a Circle, you have that person's permission to provide their name and contact information to FinNudge for the purpose of that feature

You agree to indemnify FinNudge for claims arising from information you provide about any third party or child in breach of the representations above.

We reserve the right to suspend or terminate access if information is inaccurate or misleading.

You may be required to create an account to access certain Services.

You are responsible for:

• Maintaining confidentiality of login credentials
• All activity under your account
• Promptly notifying us of unauthorized access or security incidents

We may suspend or restrict access where fraud, abuse, or security concerns exist.

FinNudge may offer:

• Monthly subscriptions
• Annual subscriptions
• Promotional free trials, including a 7-day free trial

Subscriptions automatically renew unless canceled before renewal. Payments are processed through Stripe or authorized payment providers. By subscribing, you authorize us and our payment providers to charge your selected payment method.

Pricing may change in the future. If pricing changes, users will be notified before changes become effective.

You may cancel your subscription at any time through your account settings or by contacting support. Cancellation stops future billing but does not automatically entitle you to refunds for prior charges.

Refunds, if any, are provided solely at FinNudge's discretion on a case-by-case basis. Examples where refunds may be considered include:

• Duplicate billing
• Technical service failures
• Accidental purchases
• Billing errors

FinNudge may allow users to connect financial accounts through third-party providers including Plaid. By connecting accounts, you authorize us and our service providers to access and process financial account data as described in our Privacy Policy.

You acknowledge that:

• Financial data may be delayed, incomplete, unavailable, or inaccurate
• Banks and financial institutions may restrict access
• Third-party providers may experience outages or synchronization issues

FinNudge is not responsible for errors caused by banks, financial institutions, or third-party data providers.

FinNudge may provide AI-generated features, including:

• Budget coaching
• Spending insights
• Savings recommendations
• Cash-flow projections
• Financial simulations
• Educational financial explanations

These outputs are generated using automated systems and may be incomplete, delayed, incorrect, or based on limited historical data.

FinNudge does not provide:

• Investment advice
• Tax advice
• Accounting advice
• Legal advice
• Credit advice
• Lending advice
• Insurance advice
• Fiduciary services

Users remain solely responsible for reviewing all information and making independent financial decisions. FinNudge makes no guarantee regarding savings outcomes, financial improvement, spending predictions, debt reduction, account accuracy, or future financial performance.

Users may provide private inputs including:

• Transaction notes and category labels
• Goal notes and household collaboration notes
• Questions submitted to AI features
• Product feedback

By submitting feedback, ideas, suggestions, or feature requests, you grant FinNudge a worldwide, perpetual, royalty-free right to use such feedback for product improvement.

We may also use feedback in anonymous, aggregated form for marketing and promotional purposes (for example, sharing that a percentage of users found a feature helpful, or quoting non-attributable sentiment in product materials). We will not associate your name, email address, or any personally identifiable information with any publicly shared feedback without your explicit written consent.

Private financial inputs (transaction notes, goal details, AI conversation history) are not feedback and remain governed by our Privacy Policy.

Users may not:

• Access accounts without authorization
• Reverse engineer or attempt to copy our Services
• Scrape, extract, or harvest user or financial data
• Use bots or scripts to overload or abuse the Services
• Attempt credential stuffing, phishing, or account compromise
• Use FinNudge for unlawful financial activity or fraud
• Misrepresent identity or financial information
• Circumvent security controls or rate limits

Violation may result in suspension, termination, or legal action.

AI-specific misuse. You may not use FinNudge AI features to request, generate, or facilitate unlawful, fraudulent, harmful, deceptive, or unauthorized activity, including attempts to evade taxes, hide assets, bypass security systems, access accounts without authorization, misrepresent financial information, extract our system prompts or instructions, or obtain regulated investment, tax, legal, credit, lending, insurance, or fiduciary advice. FinNudge may limit, suspend, or disable AI access or account access if we detect misuse, abuse, prompt-injection attempts, fraud-related requests, security attacks, or activity that creates risk to users, the Services, third-party providers, or FinNudge.

All content, software, algorithms, designs, workflows, branding, logos, interfaces, and proprietary technology associated with FinNudge are owned by Solcrest Ventures LLC or its licensors.

Users receive a limited, non-transferable, revocable license to use the Services for personal, non-commercial purposes only. No ownership rights are transferred.

We may modify, suspend, or discontinue parts of the Services at any time. We do not guarantee uninterrupted service, error-free operation, continuous access, or compatibility with all devices or financial institutions.

Services are provided “AS IS” and “AS AVAILABLE.”

To the fullest extent permitted by law, FinNudge disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy of financial insights, reliability of third-party integrations, and availability of connected financial institutions. Use of the Services is at your own risk.

To the fullest extent permitted by law, FinNudge, Solcrest Ventures LLC, its officers, employees, affiliates, contractors, and licensors shall not be liable for indirect, incidental, special, consequential, or punitive damages.

Our total liability for any claim shall be limited to the lesser of:

• The amount paid by you during the previous 6 months, or
• $100 USD

You agree to defend, indemnify, and hold harmless FinNudge from claims, losses, liabilities, damages, costs, and expenses arising from your use of the Services, your violation of these Terms, fraudulent or unlawful activity, or your misuse of financial data or third-party accounts.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules.

Before initiating formal proceedings, both parties agree to attempt informal resolution for 30 days. If unresolved, disputes shall be resolved by binding arbitration in Texas.

Users agree:

• No class actions
• No jury trials
• Arbitration on an individual basis only

FinNudge may pay arbitration fees if deemed excessive under applicable law.

We may update these Terms from time to time. Material changes may be communicated through:

• Email
• In-app notices
• Account notifications

Continued use after updates constitutes acceptance.

If you have questions regarding these Terms, contact:

• Company: Solcrest Ventures LLC (operator of FinNudge)
• Email: hello@finnudge.money
• Operating Office: Austin, Texas, United States
• Registered Entity: Delaware, United States