Terms of Service

These Terms of Service ("Terms") govern your access to and use of Clarulo ("Service"), operated by Clarulo Inc. ("Company," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use Clarulo. By using the Service, you represent that you meet these requirements. We reserve the right to verify eligibility at any time.

2. Account Registration and Waitlist

Clarulo is currently in private beta. Access is granted by invitation only after you submit a waitlist application. We review applications personally and may approve or decline at our sole discretion. Waitlist submission does not guarantee access.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use at security@clarulo.com.

3. Use of the Service

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial financial management purposes.

You agree not to:

• Use the Service in violation of our Acceptable Use Policy
• Share your account credentials with others
• Use automated means to access or scrape the Service
• Attempt to reverse-engineer or access underlying systems
• Use the Service for any unlawful purpose

4. Financial Data and Third-Party Connections

To provide the Service, we connect to your financial institutions via Plaid Technologies, Inc. By connecting your accounts, you authorize Clarulo and Plaid to retrieve your financial data on your behalf. Your use of Plaid is also governed by Plaid's End User Privacy Policy.

We are not responsible for the accuracy, completeness, or timeliness of data provided by your financial institutions. Clarulo displays data as received; discrepancies should be resolved with your bank.

5. Intellectual Property

All content, features, and functionality of Clarulo — including software, text, graphics, logos, and design — are owned by Clarulo Inc. and protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.

Your financial data remains yours. We claim no ownership over your personal or financial information.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLARULO INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF $50 OR THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

8. Indemnification

You agree to indemnify and hold harmless Clarulo Inc. and its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

9. Termination

We may suspend or terminate your account at any time, with or without notice, for any reason, including violation of these Terms. You may close your account at any time by contacting us. Upon termination, your right to use the Service immediately ceases.

10. Governing Law

These Terms are governed by and construed under the laws of the State of Delaware, United States, without regard to conflict-of-law principles. Any disputes arising from these Terms shall be resolved by binding arbitration under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

11. Changes to These Terms

We may update these Terms at any time. Material changes will be communicated via email at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.