Terms of Service

Herbert connects to your financial accounts on a read-only basis and presents your own financial information — balances, transactions, recurring charges, and similar data — in one place, along with insights and proactive notifications such as spending summaries, unused subscriptions, and balance or rate alerts. Herbert cannot move money, make payments, or initiate transactions on your behalf. The Service is provided for informational and organizational purposes only.

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service you represent that you meet these requirements and that the information you provide is accurate.

You access the Service by signing in through a supported identity provider, such as Apple or Google. You are responsible for maintaining the security of the credentials you use to sign in and for all activity that occurs under your account. Notify us promptly if you believe your account has been accessed without your authorization.

We use Plaid Inc. to connect to your financial accounts. When you link an account, you authorize Plaid and us to access and transmit your financial data on a read-only basis in accordance with Plaid’s privacy policy, available at https://plaid.com/legal. You may disconnect your accounts and revoke that access at any time. We are not responsible for the accuracy or completeness of data provided by your financial institutions or by Plaid.

Herbert presents your own data and general informational insights. It does not provide financial, investment, tax, accounting, or legal advice, and nothing in the Service should be relied upon as such. Any decisions you make based on the Service are your own, and you should consult a qualified professional where appropriate.

If you provide a phone number and opt in, Herbert may send you proactive text messages about your accounts, such as alerts and summaries. Message and data rates may apply. You can opt out at any time by replying STOP or by changing your notification preferences in the app. Consent to receive messages is not a condition of using the Service.

You agree not to misuse the Service, including by attempting to access accounts or data that are not yours, interfering with or disrupting the Service, reverse engineering or attempting to derive source code except where permitted by law, or using the Service in violation of any applicable law or regulation.

The Service, including its software, design, and content (excluding your own financial data), is owned by us or our licensors and is protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own personal, non-commercial purposes, subject to these Terms.

The Service relies on third-party providers, including our financial-data provider (Plaid), an artificial-intelligence provider used to help generate insights, and hosting and messaging providers. Your use of those services may be subject to their own terms, and we are not responsible for the acts or omissions of third parties.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that the information presented will be accurate or complete.

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or relating to your use of the Service. Our total liability for any claim relating to the Service will not exceed the greater of the amounts you paid us for the Service in the twelve months preceding the claim or one hundred U.S. dollars.

You may stop using the Service at any time and may delete your account and data from within the app. We may suspend or terminate your access if you violate these Terms or if necessary to protect the Service or other users. Provisions that by their nature should survive termination will survive.

We may modify the Service or these Terms from time to time. When we make material changes to these Terms, we will update the date above and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the United States and the state in which we are organized, without regard to conflict-of-laws principles. Any disputes will be resolved in the courts located there, unless applicable law provides otherwise.

If you have any questions about these Terms, please contact us at privacy@trygriot.com.