Terms of Service — Moneyline

Welcome to Moneyline. These Terms of Service ("Terms") govern your use of the Moneyline website, application, and services (collectively, the "Service") operated by Moneyline ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using the Service, you confirm that you are at least 18 years old and agree to comply with these Terms. If you do not agree, you may not use the Service.

2. Description of Service

Moneyline is a personal finance platform that provides:

Net worth tracking and account aggregation
Investment portfolio analytics, performance metrics, and benchmarking
AI-powered document import for bank statements and trade confirmations
Budget tracking and expense management
Market data and security pricing information

Moneyline is an informational tool. We do not provide financial advice, investment recommendations, or brokerage services. You are solely responsible for your financial decisions.

3. Accounts and Authentication

You must provide a valid email address to create an account. We use passwordless authentication via magic links sent to your email. You are responsible for maintaining the security of your email account and for all activity that occurs under your Moneyline account.

You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss arising from unauthorized access to your account.

4. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose or in violation of any applicable law
Attempt to gain unauthorized access to the Service, other accounts, or any related systems
Reverse engineer, decompile, or disassemble any part of the Service
Use automated scripts, bots, or scrapers to access the Service without our written consent
Upload malicious content, including viruses, malware, or harmful code
Interfere with or disrupt the integrity or performance of the Service
Impersonate another person or entity

5. Financial Data and Accuracy

While we strive to display accurate financial data, Moneyline relies on third-party data providers (including Alpaca Markets for market data) and user-provided information. We do not guarantee the accuracy, completeness, or timeliness of any data displayed on the Service.

AI-powered document parsing (for bank statements and trade confirmations) may produce errors. You are responsible for reviewing and verifying all imported data.

6. Subscriptions and Billing

Moneyline offers free and paid subscription tiers. Paid subscriptions are billed monthly or annually as selected at purchase. By subscribing, you authorize us to charge your payment method on a recurring basis.

Free trial: The Pro plan includes a 14-day free trial. You will not be charged until the trial ends.
Cancellation: You may cancel at any time from your account settings. Cancellation takes effect at the end of the current billing period.
Refunds: We do not offer refunds for partial billing periods. If you cancel, you retain access until the end of your paid period.
Price changes: We may change subscription pricing with 30 days' notice. Continued use after a price change constitutes acceptance.

7. Intellectual Property

The Service, including its design, code, logos, and content, is owned by Moneyline and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our written consent.

Your financial data remains yours. By using the Service, you grant us a limited license to process, store, and display your data solely to provide the Service to you.

8. Third-Party Services

The Service integrates with third-party providers including Alpaca Markets (market data), Plaid (account connectivity), and Anthropic (AI document parsing). Your use of these integrations is subject to the respective third-party terms and privacy policies. We are not responsible for the availability or accuracy of third-party services.

9. Limitation of Liability

To the fullest extent permitted by law, Moneyline and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses arising from:

Your use of or inability to use the Service
Errors in financial data, calculations, or AI-generated content
Unauthorized access to your account or data
Any third-party conduct or content

Our total liability for any claim arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

10. 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, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.

11. Indemnification

You agree to indemnify and hold harmless Moneyline from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

12. Termination

We may suspend or terminate your account at any time for violation of these Terms or for any other reason at our discretion, with or without notice. Upon termination, your right to use the Service ceases immediately. You may export your data before termination via the account settings export feature.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are 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 disputes arising from these Terms shall be resolved in the courts of Delaware.

15. Contact

If you have questions about these Terms, please contact us at [email protected].