Terms of Service

1. Acceptance of Terms

Welcome to Clearly ("Company," "we," "our," or "us"). By accessing or using the Clearly budgeting application, website, and related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and Clearly. By creating an account or using our Service, you represent that you have read, understood, and agree to be bound by these Terms.

2. Eligibility

To use Clearly, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into a binding agreement
• Not have been previously suspended or removed from our Service
• Not be prohibited from using our Service under applicable laws

By using Clearly, you represent and warrant that you meet all eligibility requirements.

3. Account Registration

To access certain features of the Service, you must create an account. You may register using:

• Email and password
• Google OAuth (Sign in with Google)
• Passkeys/WebAuthn for passwordless authentication

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password and authentication credentials secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or use of your account

We reserve the right to suspend or terminate accounts that contain false or misleading information, or that violate these Terms.

4. Description of Service

Clearly is a personal budgeting application designed to help you track expenses, manage daily spending allowances, set savings goals, and visualize your financial health. Our Service includes:

• Daily budget calculation and tracking
• Expense recording with "ripple" spreading over time
• Sidecar savings accumulation
• Planned purchase goal tracking
• Financial data visualization and reporting

Important Disclaimer: Clearly is a budgeting tool and does not provide financial, investment, tax, or legal advice. The Service is for informational and organizational purposes only. You should consult qualified professionals for financial advice.

5. User Data and Financial Information

You acknowledge that any financial information you enter into Clearly is provided voluntarily. We do not connect directly to your bank accounts or financial institutions unless explicitly stated and authorized by you.

You are responsible for the accuracy of all data you input. Clearly is not responsible for any decisions you make based on data entered into or calculations performed by the Service.

6. Acceptable Use Policy

When using Clearly, you agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or other users' accounts
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt the Service or servers
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated systems or bots to access the Service without permission
• Impersonate any person or entity
• Collect or store personal data about other users without consent

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Clearly and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use. This license does not include the right to:

• Modify or copy our materials
• Use any data mining, robots, or similar data gathering methods
• Attempt to decompile or reverse engineer any software
• Remove any copyright or proprietary notations
• Transfer the materials to another person or mirror on another server

8. User Content

Any data, information, or content you submit to the Service ("User Content") remains your property. By submitting User Content, you grant us a limited license to use, store, and process that content solely for the purpose of providing and improving the Service.

You represent that you own or have the necessary rights to all User Content you submit, and that such content does not violate any third-party rights.

9. Privacy

Your privacy is important to us. Our collection and use of personal information is governed by ourPrivacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our collection and use of data as described in the Privacy Policy.

10. Third-Party Services

The Service may contain links to or integrations with third-party websites, services, or applications. We are not responsible for the content, privacy policies, or practices of any third parties. Your interactions with third-party services are governed by their respective terms and policies.

11. Service Availability and Modifications

We strive to provide reliable service but do not guarantee uninterrupted access. We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Change features, functionality, or user interface
• Impose limits on certain features or restrict access
• Perform maintenance that may temporarily affect availability

We will make reasonable efforts to provide notice of significant changes, but are not obligated to do so.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

CLEARLY DOES NOT PROVIDE FINANCIAL ADVICE. ANY CALCULATIONS, PROJECTIONS, OR RECOMMENDATIONS PROVIDED BY THE SERVICE ARE FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON FOR FINANCIAL DECISIONS.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLEARLY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US, IF ANY, IN THE PAST TWELVE MONTHS FOR THE SERVICE.

14. Indemnification

You agree to defend, indemnify, and hold harmless Clearly and its officers, directors, employees, agents, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your User Content

15. Termination

You may terminate your account at any time by contacting us or using the account deletion feature in the app settings. Upon termination, your right to use the Service will immediately cease.

We may suspend or terminate your account and access to the Service at any time, with or without cause or notice, including for violation of these Terms. Upon termination, provisions that by their nature should survive will remain in effect.

16. Dispute Resolution

Informal Resolution: Before filing any formal legal action, you agree to first contact us at legal@clearly.money to attempt to resolve any dispute informally. We will attempt to resolve disputes within 30 days.

Arbitration: If informal resolution fails, any dispute arising from these Terms or the Service shall be resolved by binding arbitration, except for claims that qualify for small claims court. The arbitration shall be conducted in accordance with the rules of the American Arbitration Association.

Class Action Waiver: You agree that any dispute resolution will be conducted only on an individual basis and not as a class, consolidated, or representative action.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in Delaware.

18. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

19. Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Service, constitute the entire agreement between you and Clearly regarding the Service and supersede all prior agreements and understandings.

21. Contact Information

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

• Email: legal@clearly.money
• Support: support@clearly.money