Terms of Service

Quick summary. Read the full policy below for the complete terms.

Document owner

FinSync LLC (operating as Raintree Technology) legal team.

Contact + response

Email legal@raintree.technology with contract questions. We respond within 5 business days.

Eligibility

You must be at least 18, have legal capacity, and provide accurate account details.

Billing

Plans auto-renew. Cancel anytime — it takes effect at the end of your current billing period.

Refunds

30-day money-back guarantee for new subscribers. Renewals are non-refundable.

Referral program

Earn account credits by referring new paid subscribers — see Section 6. Credits are non-cash, capped, and revocable in our sole discretion if we detect fraud or self-referral.

Acceptable use

Use Clarity for your own finances, lawfully. No scraping, no unauthorized access, no abuse.

No financial advice

Clarity is a tracking and analysis tool — not a financial advisor, tax preparer, or legal counsel.

SOC 2 status

As of March 10, 2026, Clarity has not completed a SOC 2 attestation. Controls align with SOC 2 Trust Services Criteria; see Security & compliance updates.

By accessing or using Clarity ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, you may not access the Service.

Clarity is a personal finance application that helps you track your net worth, spending, and investments across banks, brokerages, crypto exchanges, and blockchain wallets. The Service includes:

• Automatic transaction sync from financial institutions
• Net worth tracking and reporting
• Spending categorization and insights
• Budget and goal management
• Cryptocurrency portfolio tracking
• AI-powered financial insights (chat feature)

You must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Service under applicable law
• Provide accurate and complete information during registration
• Reside in a jurisdiction where the Service is available (currently United States and select international markets)

4.1 Account Creation

To use Clarity, you must create an account by providing:

• A valid email address
• A secure password (minimum 8 characters)

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your password
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Using a strong, unique password not used for other services

4.3 One Account Per User

You may only create one account per person. Multiple accounts created by the same person may be terminated without refund.

4.4 Household and Family Sharing

Account holders may invite household members to share financial visibility within a single Clarity account. Each household member must have their own login credentials.

• The account owner controls which data is visible to household members and can adjust sharing permissions at any time.
• The account owner may remove household members at any time. Upon removal, the member loses access immediately. Deletion of any shared data follows our standard data retention policy described in the Privacy Policy.
• Household members are subject to the same Terms of Service and Acceptable Use policies as the account owner.

5.1 Paid Subscription Required

Clarity is a paid service. Access to Money, Net Worth, Planning, and AI tools requires an active Pro or Wealth subscription. Every plan ships with a 30-day money-back guarantee: if Clarity isn't a fit, contact us within 30 days of your first invoice for a full refund.

5.2 Subscription Plans

Paid plans add automated bank, brokerage, and wallet syncing, OCR for tax documents, exports, AI assistant access, and larger connection bundles. Clarity offers:

• Pro: $19/month or $179/year (equivalent to $14.92/month, ~21% savings)
• Wealth: $37/month or $349/year (equivalent to $29.08/month, ~21% savings)

Subscribers grandfathered on prior pricing tiers retain their original rates indefinitely unless they cancel and re-subscribe.

5.3 Payment

Payments are processed securely through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis until you cancel. You agree to provide current, complete, and accurate payment information.

5.4 Auto-Renewal

Important: Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription rate.

For monthly subscriptions, renewal occurs on the same day each month. For annual subscriptions, renewal occurs on the anniversary of your initial subscription date.

5.5 Cancellation

You may cancel your subscription at any time from your account settings or by contacting support@useclarity.app. Cancellation takes effect at the end of the current billing period. You will retain access to paid features until that date. No partial refunds are provided for unused time in a billing period.

5.6 Refund Policy

We offer a 30-day money-back guarantee for new subscribers. If you are not satisfied within 30 days of your first paid subscription, email legal@raintree.technology for a full refund.

Subsequent subscription renewals are not eligible for refunds. If you cancel a subscription, you will not receive a refund for the current billing period, but you will retain access until the end of that period.

5.7 Price Changes

We may change subscription prices with at least 30 days' advance notice via email. Price changes do not affect your current billing period and will take effect at your next renewal date. If you do not agree to a price increase, you may cancel your subscription before the new price takes effect.

5.8 Failed Payments

If a subscription payment fails, we will attempt to charge your payment method multiple times over a short retry window. If payment is not received, your subscription will be canceled and you will lose access to the service. Your data remains stored according to our retention policy in case you re-subscribe.

Clarity offers a referral program that lets eligible subscribers earn account credits by inviting other people to subscribe. Participation in the referral program is governed by these Terms and by any program-specific rules we publish at useclarity.app/referrals. By generating, sharing, or redeeming a referral link or credit, you agree to this Section 6.

6.1 Eligibility

To participate in the referral program, you must:

• Be at least 18 years old and meet the eligibility criteria in Section 3;
• Have a Clarity account in good standing (not suspended, locked, pending deletion, or otherwise restricted);
• Reside in a jurisdiction where the program is offered and where receipt of account credit is lawful;
• Comply with these Terms, our Acceptable Use Policy, and all applicable laws.

We may, at our sole discretion, limit eligibility by geography, plan, tenure, payment method, or any other factor we deem appropriate, and we may change eligibility criteria at any time without notice.

6.2 How the Program Works

Each eligible account is issued a unique referral code. When a new user signs up using your code and that new user's first Pro or Wealth subscription invoice is successfully paid in full (a "Qualified Referral"), you and the referred user are each eligible to receive a one-time, non-transferable account credit (the "Credit"). The Credit is applied to your next Clarity subscription invoice through your Stripe customer balance.

A referral is not Qualified, and no Credit will be issued or will be automatically reversed, if any of the following occurs:

• The referred user's first invoice fails to be paid in full;
• The referred user's invoice is refunded, voided, charged back, disputed, or otherwise reversed at any time;
• The referred user and the referrer share a payment method, billing address, device, household, IP address, or other indicator we identify as a same-person signal;
• We determine, in our sole discretion, that the referral was generated through fraudulent, abusive, automated, deceptive, or otherwise impermissible conduct;
• The referred user closes or downgrades their subscription before the Credit posts.

6.3 Credit Value, Caps, and Limits

• Value. Each Credit is worth $24 USD (or its equivalent at then-current subscription pricing) applied to a single future Clarity subscription invoice.
• Rolling cap. You may earn no more than twelve (12) Credits during any rolling twelve-month window, regardless of how many Qualified Referrals you generate.
• One per referred user. Each referred user can trigger at most one Credit for the referrer, ever — including across re-signups, account changes, or subscription cycles.
• No stacking with other promotions. Credits may not be combined with other promotional credits, coupons, gift cards, or discounts except where we expressly permit.
• No cash value. Credits are not currency, are not redeemable for cash, are not transferable, are not assignable, are not inheritable, and have no monetary value outside the application to a future Clarity invoice.
• No carry-over. Credits do not survive account closure, account deletion, subscription cancellation for more than ninety (90) days, transfer of the account to a different email address, or termination of the referral program. Unused Credits are forfeited in any such event without compensation.

6.4 Prohibited Conduct

You may not, and may not permit or assist any other person to, do any of the following in connection with the referral program. Engaging in any prohibited conduct is a material breach of these Terms and entitles us to all of the remedies described in Section 6.6 (Reversal, Revocation, and Forfeiture), in addition to any other remedies available at law or in equity.

• Self-referral. Sign yourself up using your own code; create, control, or coordinate with a second Clarity account in order to generate a Credit for yourself or for any account you also control; or use any device, household member, spouse, employee, agent, business associate, or affiliate as a referee for the purpose of generating Credits.
• Shared payment methods. Refer any person whose subscription will be paid using a payment method (card, bank account, wallet, or otherwise) that has at any time been used by you, attached to your Clarity or Stripe customer record, or that you otherwise control. We use Stripe payment-method fingerprinting and similar signals to detect this and will deny or reverse Credits accordingly.
• Fraud and chargeback abuse. Initiate, induce, or coordinate any refund request, chargeback, payment dispute, or other reversal of a referred user's invoice after Credits are issued; pay invoices with stolen, fraudulent, or unauthorized payment instruments; or engage in any conduct intended to obtain Credits you are not entitled to.
• Automation, bots, and abuse of the platform. Use any robot, scraper, automation, click-farm, signup-farm, traffic broker, or other technical means to generate signups, simulate paid invoices, or otherwise manipulate the program.
• Spam and unauthorized promotion. Promote your referral link via unsolicited bulk email, unsolicited SMS, in violation of CAN-SPAM, the TCPA, GDPR, CASL, or any other applicable communications law; via comment spam, link spam, search spam, social-platform spam, or content that violates the rules of the platform on which you post; or in connection with adult content, gambling, illicit goods or services, or any content that disparages Clarity or any third party.
• Paid placement without permission. Bid on Clarity-branded terms in search advertising; run paid ads, display ads, retargeting, or sponsored content promoting your referral link; or place your referral link on any coupon, deals, or cashback site. Paid promotion of referral links is permitted only with our prior written consent.
• Misrepresentation and FTC violations. Misrepresent Clarity's features, pricing, security posture, regulatory status, affiliations, or your own relationship to Clarity; fail to disclose a material connection to Clarity in the manner required by the U.S. Federal Trade Commission's Endorsement Guides (16 CFR Part 255) or analogous law in your jurisdiction; or claim to be a Clarity employee, investor, partner, or representative when you are not.
• Resale and arbitrage. Sell, exchange, auction, barter, or otherwise monetize referral codes, Credits, or access to the referral program; offer kickbacks, rebates, or other inducements to referees in exchange for using your code.
• Sanctioned parties and restricted jurisdictions. Issue or accept referrals to or from any person on a U.S. or other applicable sanctions list, or residing in a jurisdiction subject to comprehensive U.S. sanctions.

6.5 Discretionary Review and Investigation

We may review any referral, Credit, account, payment method, device, or related signal at any time, before or after the Credit is issued. We may delay issuance of a Credit pending review; require identity verification, payment-method verification, or additional documentation as a condition of issuance; or refuse to issue a Credit if we are unable to verify the legitimacy of the referral to our satisfaction. Our review and verification decisions are final.

6.6 Reversal, Revocation, and Forfeiture

Clarity reserves the right, at its sole and absolute discretion, with or without notice to you and without liability of any kind, to:

• Refuse to issue, withhold, delay, claw back, debit, or reverse any Credit at any time;
• Mark any Credit as revoked, including by issuing an offsetting debit to your Stripe customer balance equal to the Credit amount;
• Decrement, freeze, or reset your referral-reward count or rolling-cap availability;
• Disable, regenerate, or invalidate your referral code and any links containing it;
• Suspend or terminate your participation in the referral program, your Clarity account, and any related accounts (including accounts you control or that share signals with yours);
• Withhold or reverse Credits already applied to invoices, including by re-billing the originally discounted amount where lawful; and
• Refer suspected fraud to payment processors, card networks, law enforcement, or civil authorities.

Triggers that will typically result in reversal or revocation include — without limitation — refund or chargeback of a referred user's invoice; a Stripe payment-method fingerprint match between referrer and referred user; evidence of multi-account or same-person activity; any breach of Section 6.4; any breach of these Terms or our Acceptable Use Policy; account closure; subscription cancellation; or expiration of the referral program. These triggers are illustrative, not exhaustive — we may exercise the rights in this Section 6.6 for any reason, including no stated reason.

You expressly waive any right to challenge, dispute, or seek damages arising from Clarity's exercise of the rights in this Section 6.6, except as required by mandatory consumer-protection law.

6.7 Modification and Termination of the Program

We may modify, suspend, or terminate the referral program — in whole or in part, for all participants or for any individual participant — at any time, in our sole discretion, with or without notice. Modifications may include changes to the Credit value, eligibility, caps, qualifying events, prohibited conduct, or the entire program structure. Termination of the program will cause all unredeemed Credits to be forfeited without compensation, subject to mandatory consumer-protection law in your jurisdiction.

6.8 Tax Treatment

You are solely responsible for any taxes, levies, duties, or assessments associated with the receipt or use of Credits. Where required by applicable law, we may report Credits to tax authorities and may request a Form W-9, Form W-8BEN, or analogous information from you as a condition of participation. We are not your tax advisor.

6.9 Privacy

When you generate or share a referral link, the unique code in that link is associated with your account. When a referred user signs up via your link, we record that association in our systems for purposes of administering the program, detecting fraud, and applying Credits. Our handling of this data is governed by our Privacy Policy. We do not share the identity of individual referred users with their referrers.

6.10 No Endorsement; FTC Disclosure Reminder

If you promote Clarity in any public-facing channel — including social media, blog posts, video, podcasts, newsletters, or any other content — and you are eligible to earn Credits or any other benefit from doing so, you must clearly and conspicuously disclose your material connection to Clarity in the manner required by 16 CFR Part 255 and analogous laws in your jurisdiction. Failure to do so is a breach of these Terms.

6.11 No Liability for Lost Credits

To the maximum extent permitted by law, Clarity is not liable for any failure of a Credit to be issued, applied, recognized, or honored, including failures resulting from technical error, processor failure, account closure, our exercise of the rights in Section 6.6, or termination of the program. The Credit is an account credit issued at our discretion and is not consideration that you have purchased.

7.1 Permitted Use

You may use Clarity only for:

• Your own personal, non-commercial financial tracking and management
• Managing your own financial accounts to which you have legal access
• Lawful purposes in compliance with all applicable laws and regulations

7.2 Prohibited Use

You may NOT:

• Share your account credentials with others
• Use the Service to manage another person's finances without their authorization
• Reverse engineer, decompile, disassemble, or attempt to derive source code
• Use automated tools (bots, scrapers, crawlers) without written permission
• Attempt to gain unauthorized access to our systems or other users' accounts
• Upload or transmit malicious code, viruses, or harmful content
• Violate any applicable laws, regulations, or third-party rights
• Use the Service for fraudulent or illegal activities
• Circumvent usage limits or access restrictions
• Interfere with or disrupt the Service or servers

8.1 Your Data

You retain ownership of your financial data. By using Clarity, you grant us a limited license to use, store, and process your data solely to provide and improve the Service. This license terminates when you delete your account.

8.2 Privacy Policy

Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you also agree to the Privacy Policy.

8.3 Data Security

While we implement industry-standard security measures (encryption, access controls, monitoring), no system is 100% secure. You acknowledge that you use the Service at your own risk regarding data security and that we cannot guarantee absolute security.

8.4 Financial Institutions

By connecting your financial accounts through Plaid, you authorize us to access your account information on a read-only basis. We will not initiate transactions or transfers without your explicit consent. Your relationship with your financial institutions is governed by their terms of service.

8.5 Security Program and SOC 2 Status

As of March 10, 2026, Clarity does not represent that it has completed a SOC 2 attestation. We maintain and continue to improve administrative, technical, and physical controls aligned to SOC 2 Trust Services Criteria, but no statement in these Terms should be interpreted as a certification claim.

Clarity integrates with third-party services, each subject to their own terms:

• Plaid: Bank and brokerage connections (Plaid Terms)
• Crypto Exchanges: Exchange API integrations (subject to each exchange's terms)
• Blockchain Networks: On-chain data (public blockchains)
• AI providers: AI assistant responses are routed through the Vercel AI Gateway to large-language-model providers, including Anthropic and OpenAI. Prompts are processed under each provider's business/commercial terms and are not used to train their models. See the Sub-processors list for the authoritative roster.
• Stripe: Payment processing (Stripe Terms)
• Cloudflare: Edge compute, object storage, and request-log observability (Cloudflare Terms)
• Vercel: Application hosting and edge runtime (Vercel Terms)
• PlanetScale: Managed Postgres database (PlanetScale Terms)
• Upstash: Managed Redis cache and coordination store (Upstash Terms)
• Resend: Transactional email delivery (Resend Terms)
• Alchemy: Blockchain data and webhook delivery (Alchemy Terms)
• Google: OAuth identity verification, Search Console, and Google Analytics 4 (Google Terms)
• PostHog: Product analytics and session telemetry, captured only for users who have given analytics consent (PostHog Terms)

This list highlights the principal integrations; the complete and current roster of sub-processors that may process your data is maintained at /legal/subprocessors.

We are not responsible for third-party services, their availability, accuracy, or any changes to their terms or functionality. Service interruptions caused by third parties are beyond our control.

All content, features, and functionality of Clarity—including but not limited to software, text, graphics, logos, icons, images, audio clips, data compilations, and the compilation thereof—are the exclusive property of FinSync LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service or software, nor may you reverse engineer or attempt to extract the source code, unless laws prohibit these restrictions or you have our written permission.

11.1 Service Provided "As Is"

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

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• Results obtained from the Service will be accurate or reliable
• Any errors in the Service will be corrected
• The Service will meet your specific requirements

11.2 No Financial Advice

IMPORTANT: Clarity is a financial tracking tool, NOT a financial advisor, broker, or investment advisor. We do not provide investment, tax, legal, or financial advice.

Information provided through the Service, including AI-generated insights, is for informational and educational purposes only. All investment and financial decisions are your sole responsibility. You should consult qualified professionals (financial advisors, tax accountants, lawyers) before making financial decisions.

11.3 Data Accuracy

While we strive for accuracy, we do not guarantee that financial data from third-party sources (banks, exchanges, blockchain networks) is complete, accurate, current, or up-to-date. You should verify important information with your financial institutions before making financial decisions.

11.4 AI-Generated Content

AI-generated responses in our chat feature are created by artificial intelligence and may contain errors, inaccuracies, or inappropriate suggestions. AI responses should not be relied upon for financial decisions. Always verify information and consult qualified professionals.

11.5 AI Interaction Transparency

In accordance with the EU AI Act (Article 50), we inform you that Clarity's chat feature is powered by artificial intelligence. When you use the AI assistant, you are interacting with an AI system, not a human. AI-generated content is clearly identified within the interface. The AI system does not make autonomous decisions affecting your legal rights or financial accounts.

11.6 Tax Tools — Circular 230 Disclaimer

Clarity's tax workspace, cost-basis calculations, capital-gains estimates, wash-sale detection, Form 8949 / Schedule D / Form 1040 / California Form 540 worksheets, 1099-DA reconciliation, and any tax-related export (PDF, CSV, ZIP) are estimates generated from the accounts and transactions you have connected. They are not tax advice within the meaning of IRS Circular 230, the U.S. Internal Revenue Code, or any state tax authority. FinSync LLC and its personnel are not enrolled agents, CPAs, tax attorneys, or IRS-authorized e-file providers, and Clarity is not registered as a tax preparer in California (CTEC), Oregon (Tax Practitioner Board), Maryland, New York, or any other jurisdiction that licenses paid preparers.

Accuracy of any tax calculation depends on the completeness of the data you have connected and the manual classifications you have applied. Wash-sale and lot-matching calculations rely on a 30-day same-symbol window and do not detect substantially-identical securities (e.g., ETF-to-ETF substitution), securities held by a spouse, or activity in unconnected accounts. You are solely responsible for the accuracy of your tax return. Consult a qualified CPA, enrolled agent, or tax attorney before filing.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINSYNC LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to, use of, or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Unauthorized access to, use of, or alteration of your data
• Errors, mistakes, or inaccuracies in content or data from third-party financial services
• Financial decisions made based on information provided by the Service or AI features
• Service interruptions, bugs, or technical failures
• Data breaches or security incidents

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY OR (B) FIVE HUNDRED U.S. DOLLARS ($500).

Carve-outs (these limitations do not apply to):

• Liability for our gross negligence, fraud, or willful misconduct;
• Our indemnification obligations under these Terms;
• Violations of applicable privacy or data-protection law, including the Gramm-Leach-Bliley Act, the FTC Safeguards Rule (16 CFR Part 314), the California Consumer Privacy Act (CCPA/CPRA), the EU/UK General Data Protection Regulation, or state breach-notification statutes;
• Any liability that cannot be limited or excluded under applicable law, including California Civil Code § 1668; and
• Bodily injury or death caused by our negligence.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless FinSync LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees and costs) arising from:

• Your use of or access to the Service
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Your violation of any applicable laws or regulations
• Unauthorized access to your account due to your failure to protect your credentials

14.1 Termination by You

You may request deletion of your account at any time from Settings → Security. Account deletion runs on a 30-day grace window: your data is preserved during that window, and you can cancel the deletion from Settings → Security at any time before the finalize date — cancelling keeps your account fully active. On the finalize date your account and data are permanently deleted (see §14.3). You will not receive a refund for any unused portion of your subscription.

14.2 Termination by Us

We may suspend or terminate your account, with or without notice, if you:

• Violate these Terms or our Acceptable Use Policy
• Engage in fraudulent, illegal, or harmful activity
• Fail to pay subscription fees when due
• Create multiple accounts to circumvent restrictions
• Abuse or misuse the Service in any way

We reserve the right to terminate or suspend access to the Service for any reason, at any time, with or without notice.

14.3 Effect of Termination

Upon termination:

• Your right to use the Service immediately ceases
• Your account and personal data are permanently deleted on the deletion finalize date — 30 days after a deletion request — except limited records we are legally required to retain, such as billing and tax records (see the Privacy Policy retention section)
• You will no longer have access to your account or data
• Any outstanding fees remain payable
• Provisions that by their nature should survive (disclaimers, limitations, arbitration) remain in effect

We recommend exporting your data before terminating your account.

We may modify these Terms at any time. We will notify you of material changes at least 30 days before they take effect by:

• Email to your registered email address
• In-app notification when you log in
• Updating the "Last updated" date at the top of this page

Continued use of Clarity after changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Service and may terminate your account.

Clarity is operated by FinSync LLC, a California limited liability company operating as Raintree Technology. These Terms and any dispute arising from or relating to the Service shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

You agree that any legal action or proceeding between you and FinSync LLC shall be brought exclusively in the federal or state courts located in Sacramento County, California, and you hereby consent to personal jurisdiction and venue therein.

16.1 EU / UK / Mandatory Consumer-Protection Carve-Out

Notwithstanding the foregoing, if you are a consumer habitually resident in the European Economic Area, the United Kingdom, Switzerland, or any other jurisdiction whose mandatory consumer-protection law applies to your use of the Service, nothing in this Section 16 or in Section 17 (Dispute Resolution and Arbitration) deprives you of the protection afforded by the mandatory provisions of the law of your country of residence. In such cases, you may bring proceedings in the courts of your country of residence and the mandatory consumer-protection law of your country applies in addition to California law. Pre-dispute binding arbitration of consumer disputes is unenforceable in those jurisdictions; Section 16 applies only to the extent permitted by your home law.

17.1 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting legal@raintree.technology. We will attempt to resolve the dispute informally within 60 days.

17.2 Binding Arbitration

If we cannot resolve the dispute informally, you agree that any dispute arising from these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, except where prohibited by law.

Arbitration will be conducted:

• By a single arbitrator
• In English
• In Sacramento County, California (or remotely if both parties agree)
• Under AAA rules available at www.adr.org

17.3 Exceptions to Arbitration

Either party may bring a claim in small claims court instead of arbitration if the claim qualifies.

17.4 Class Action Waiver

YOU AND FINSYNC LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Arbitration proceedings will not be consolidated with any other matters or joined with any other cases or parties. If this class action waiver is found to be unenforceable, the entire arbitration provision shall be void.

17.5 Opt-Out of Arbitration

You may opt out of binding arbitration within 30 days of first accepting these Terms by emailing legal@raintree.technology with "Arbitration Opt-Out" in the subject line and your name and email address. If you opt out, you and FinSync LLC agree to resolve disputes in court according to Section 16 (Governing Law).

17.6 Coordinated / Mass-Arbitration Proceedings

If twenty-five (25) or more substantially similar arbitration demands are filed against FinSync LLC by or on behalf of claimants represented by the same counsel (or coordinated counsel) within any 90-day period, the parties agree that arbitration of those demands will proceed under a bellwether process:

• Counsel for the claimants and counsel for FinSync LLC will each select up to five (5) lead "bellwether" cases, for a total of up to ten (10) cases, to proceed first to arbitration. The remaining demands are stayed.
• The parties agree to negotiate in good faith toward a global resolution within sixty (60) days of the last bellwether award. Tolling agreements will be entered to preserve all remaining claimants' statute-of-limitations rights during this period.
• If no global resolution is reached after good-faith negotiation, the remaining demands proceed to arbitration in waves of no more than fifty (50) per quarter, in an order mutually agreed by the parties (or, failing agreement, alternating between counsel).
• The parties will jointly request that AAA stage filing fees and other administrative fees consistent with this bellwether protocol; nothing in this section relieves FinSync LLC of any filing-fee obligations the AAA Rules require.

This Section 17.6 is intended to make coordinated mass-arbitration practicable and fair to both sides; it is severable, and if held unenforceable in a particular case the remainder of Section 17 continues to apply.

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and FinSync LLC regarding the Service and supersede all prior agreements.

18.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

18.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. A waiver of any provision on one occasion will not be deemed a waiver of any other provision or of such provision on any other occasion.

18.4 Assignment

You may not assign or transfer these Terms or your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without your consent.

18.5 Force Majeure

We will not be liable for any failure or delay in performing our obligations due to causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, strikes, pandemics, or failures of third-party services.

18.6 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as explicitly stated herein.

For questions, concerns, or notices regarding these Terms:

• Email: legal@raintree.technology
• Mailing Address: FinSync LLC, c/o ZenBusiness Inc., 2520 Venture Oaks Way Suite 120, Sacramento, CA 95833
• Attention: Legal Department

By using Clarity, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.