Terms of Service

Last updated July 4, 2026

These Terms of Service ("Terms") are an agreement between you and FiClue ("FiClue", "we", "us", or "our") governing your use of the FiClue app and related services (the "Service"). By downloading or using FiClue, you agree to these Terms. If you don't agree, please don't use the Service.

1. The Service

FiClue is a personal-finance tracking tool for information you enter yourself or import from your financial institutions through our integration with Plaid. It is provided for personal, non-commercial use to help you organize and visualize your own finances.

2. Your account

Some features require a FiClue account, created with an email address and password. You are responsible for keeping your credentials secure and for all activity that occurs under your account. Tell us promptly at support@ficlue.com if you believe your account has been compromised.

3. Bank connections

Connecting a bank account authorizes Plaid to retrieve your account and transaction data on your behalf, subject to Plaid's End User Privacy Policy. FiClue never sees or stores your banking credentials. The accuracy and availability of imported data depend on your financial institution and Plaid; you can disconnect a bank at any time from within the app.

4. Not financial advice

FiClue is a tracking and budgeting tool, not a financial advisor. The numbers, charts, and summaries it shows are based on the data you enter or import and are provided for informational purposes only. They do not constitute financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.

5. Your responsibilities

You're responsible for the accuracy of the data you enter manually. You agree to use the Service only for lawful purposes and in compliance with these Terms. You're responsible for maintaining the security of your device and of the account you use with the Service.

6. Purchases & subscriptions

FiClue offers an optional paid subscription ("FiClue Pro"). Purchases are processed by the Apple App Store and are subject to Apple's terms. Prices are shown before purchase. Subscriptions renew according to the terms presented at checkout and can be managed or cancelled in your App Store account settings. Refunds are handled per Apple's policies.

7. License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use FiClue for your personal use. You may not copy, modify, reverse-engineer, resell, or distribute the Service except as permitted by law.

8. Intellectual property

FiClue and its logos, design, and software are owned by us or our licensors and are protected by intellectual-property laws. These Terms don't transfer any ownership in the Service to you. The financial data you enter or import remains yours.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that calculations will meet your specific requirements. Imported transaction data depends on third-party sources; we do not warrant its accuracy or completeness.

10. Limitation of liability

To the maximum extent permitted by law, FiClue will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or savings, arising from your use of (or inability to use) the Service. Our total liability for any claim relating to the Service will not exceed the amount you paid us for it in the twelve months before the claim.

11. Termination

You may stop using the Service at any time by deleting the app, or by deleting your account and synced data from Settings. We may suspend or terminate access if you violate these Terms. Sections that by their nature should survive termination (such as disclaimers and limitations of liability) will survive.

12. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we'll update the date above and, where appropriate, notify you in the app. Continuing to use the Service after changes take effect means you accept the updated Terms.

13. Contact

Questions about these Terms? Reach us at support@ficlue.com.