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ClarityClarity

Terms of Service

Last updated: February 13, 2026

1. Agreement to Terms

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.

2. Description of 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.

3. Eligibility

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

4. Account Registration

4.1 Account Creation

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

  • A valid email address
  • A secure password

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

4.3 One Account Per User

You may only create one account. Multiple accounts may be terminated without refund.

5. Subscription and Billing

5.1 Free Trial

We offer a 14-day free trial with full access to all features. No credit card is required to start your trial. If you do not subscribe before the trial ends, your account will be downgraded and you will lose access to premium features.

5.2 Subscription Plans

Clarity offers the following subscription:

  • Monthly: $12/month, billed monthly
  • Annual: $99/year, billed annually (save 32%)

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.

5.4 Auto-Renewal

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

5.5 Cancellation

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. No refunds for partial periods.

5.6 Refund Policy

We offer a 30-day money-back guarantee. If you're not satisfied within 30 days of your first paid subscription, email us for a full refund. Subsequent renewals are not eligible.

5.7 Price Changes

We may change subscription prices with 30 days' notice. Price changes do not affect your current billing period and take effect at the next renewal.

6. Acceptable Use

6.1 Permitted Use

You may use Clarity only for:

  • Your own personal, non-commercial financial tracking
  • Managing your own financial accounts
  • Lawful purposes in compliance with all applicable laws

6.2 Prohibited Use

You may NOT:

  • Share your account with others
  • Use the Service for another person's finances without authorization
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Use automated tools (bots, scrapers) without permission
  • Attempt to gain unauthorized access to our systems
  • Upload malicious code, viruses, or harmful content
  • Violate any applicable laws or regulations

7. Data and Privacy

7.1 Your Data

You retain ownership of your financial data. By using Clarity, you grant us a license to use, store, and process your data to provide the Service.

7.2 Privacy Policy

Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms.

7.3 Data Security

While we implement industry-standard security measures, no system is 100% secure. You use the Service at your own risk regarding data security.

8. Third-Party Services

Clarity integrates with third-party services:

  • Plaid: Bank connections (subject to Plaid's terms)
  • Crypto Exchanges: Exchange APIs (subject to each exchange's terms)
  • Blockchain Networks: On-chain data (public blockchains)

We are not responsible for third-party services or their availability.

9. Intellectual Property

All content, features, and functionality of Clarity (including but not limited to software, text, graphics, logos, and trademarks) are owned by Raintree Technology and protected by copyright, trademark, and other intellectual property laws.

10. Disclaimers

10.1 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 warranties of merchantability, fitness for a particular purpose, or non-infringement.

10.2 No Financial Advice

Clarity is a financial tracking tool, NOT a financial advisor. We do not provide investment, tax, or legal advice. All financial decisions are your responsibility. Consult a qualified professional for financial advice.

10.3 Data Accuracy

While we strive for accuracy, we do not guarantee that financial data from third-party sources is complete, accurate, or up-to-date. Verify important information with your financial institutions.

11. Limitation of Liability

To the maximum extent permitted by law, Raintree Technology shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from:

  • Your use or inability to use the Service
  • Unauthorized access to your data
  • Errors, omissions, or inaccuracies in financial data
  • Financial decisions made based on the Service

Our total liability to you for all claims shall not exceed the amount you paid us in the 12 months before the claim.

12. Indemnification

You agree to indemnify and hold harmless Raintree Technology from any claims, damages, losses, or expenses (including legal fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party

13. Termination

13.1 Termination by You

You may terminate your account at any time from account settings.

13.2 Termination by Us

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent or illegal activity
  • Fail to pay subscription fees

13.3 Effect of Termination

Upon termination, your right to use the Service immediately ceases. We will delete your data within 30 days, except where retention is required by law.

14. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or in-app notification at least 30 days before they take effect. Continued use after changes constitutes acceptance.

15. Governing Law

These Terms are governed by the laws of [State/Country TBD] without regard to conflict of law provisions. You agree to submit to the exclusive jurisdiction of courts in [Location TBD].

16. Dispute Resolution

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

17. Miscellaneous

17.1 Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Raintree Technology regarding the Service.

17.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

17.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

18. Contact Us

For questions about these Terms:

  • Email: legal@useclarity.app
  • Address: Raintree Technology, [Address TBD]