Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Clario mobile application, website, and related services (collectively, the "Service"), operated by Clario ("we", "us", "our"). By creating an account, downloading the app, or using the Service in any way, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use the Service. We reserve the right to refuse service to anyone for any reason.

Clario is a personal finance management application that provides:

• The payday protocol: planning money for your bills when income arrives, and a daily safe-to-spend amount
• Manual tracking of income and expenses, and import of bank statement files
• Read-only bank connections where available (Plaid in the United States and Canada, with the United Kingdom and the European Union planned; Monobank in Ukraine)
• Spending analytics, monthly reports and savings goals ("Stash Jars"), including jars shared with other users
• An optional AI financial assistant (Clario AI) and AI-assisted features such as receipt scanning and voice input
• Category spending limits, debt tracking and trip budgets

Clario is a read-only financial tool. We do not move money, process payments, or act as a bank, financial advisor, or licensed financial institution. Clario provides informational tools only.

You must be at least 16 years of age to use Clario. By using the Service, you represent and warrant that you are at least 16 years old and have the legal capacity to enter into these Terms. If you are under 18, you confirm that your parent or legal guardian has reviewed and agrees to these Terms on your behalf.

When you create an account, you agree to:

• Provide accurate, current, and complete information during registration
• Keep your login credentials secure and confidential — you are responsible for all activity under your account
• Notify us immediately at support@clarioapp.net if you suspect unauthorized access to your account
• Not create multiple accounts, share your account, or transfer your account to another person

When you connect a bank account to Clario, you understand and agree that:

• You authorize Clario to access your bank account data (balances, transactions, account details) through our bank connection providers (Plaid in the US and Canada, Monobank in Ukraine)
• Your bank access tokens are encrypted at rest using AES-256-CBC encryption with an HMAC-SHA256 integrity check and are never stored in plain text
• Clario accesses your bank data in read-only mode — we cannot initiate transactions, transfers, or any changes to your bank accounts
• You may disconnect any bank account at any time through the app settings, which will revoke Clario's access to that account's data

Clario uses artificial intelligence (powered by OpenAI) to provide financial insights, answer questions, and analyze spending patterns. By using these features, you acknowledge that:

• AI-generated insights and advice are informational only and do not constitute financial, investment, tax, or legal advice. Always consult a qualified professional for financial decisions
• AI responses may occasionally be inaccurate, incomplete, or outdated. You should verify important information independently
• Only after you give consent in the app, the financial data your request needs (such as account balances, transactions and budget information) is sent to OpenAI's API to generate responses. OpenAI does not use API data to train its models. You can withdraw consent in Settings
• Clario AI usage limits depend on your plan (Free: 3 messages per month; Pro and Founder Lifetime: unlimited, subject to fair use)

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party rights
• Attempt to gain unauthorized access to our systems, other users' accounts, or bank APIs beyond your authorized scope
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of the Service
• Use automated scripts, bots, or scrapers to access the Service or extract data from it
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure

The Service, including its design, code, features, content, logos, and trademarks, is owned by Clario and protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Service beyond the limited right to use it in accordance with these Terms.

Your financial data remains yours. We claim no ownership over any personal or financial data you provide to the Service. You grant us a limited license to process your data solely to provide and improve the Service, as described in our Privacy Policy.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING BUT NOT LIMITED TO:

• Accuracy, completeness, or reliability of any financial data, bank balances, transaction information, or AI-generated insights displayed in the app
• Uninterrupted, timely, secure, or error-free operation of the Service
• Compatibility with all banks, financial institutions, or third-party services
• Fitness for a particular purpose, merchantability, or non-infringement

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLARIO 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 OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

Our total aggregate liability for any claims arising from or related to the Service shall not exceed the amount you paid to us in the twelve (12) months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

You may delete your account at any time through the app (Settings > Delete Account). Upon deletion, all your personal and financial data will be permanently removed from our production database, as described in our Privacy Policy. Encrypted backups age out within 14 days.

We may suspend or terminate your access to the Service at any time if you violate these Terms or if we reasonably believe your actions may cause legal liability, harm to other users, or damage to our systems. We will make reasonable efforts to notify you before or at the time of suspension, unless doing so would compromise security.

We may modify these Terms from time to time. When we make material changes, we will notify you by posting the updated Terms in the app and on our website with a new effective date. If you continue to use the Service after changes take effect, you accept the revised Terms. If you disagree with any changes, your remedy is to stop using the Service and delete your account.

These Terms shall be governed by and construed in accordance with the laws of Ukraine. Any disputes arising from or relating to these Terms or the Service shall be resolved in the courts of Ukraine. If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

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

For information about how we handle your data, see our Privacy Policy