Terms of Use

Calibrated Money is a budgeting and cash flow tool. It shows your spending, helps you build and follow a budget, finds bills and subscriptions, and helps you plan for one-time costs. It works with checking, savings and credit card accounts that you connect through Plaid, including cash management and money market accounts at a bank.

Access to your accounts is read-only. Calibrated Money never moves, transfers or pays money, and it does not connect investment, retirement, loan, CD or HSA accounts.

• It is not investment, tax, legal or credit advice, and it does not recommend any security, investment or financial product.
• It is not a financial advisor, and using it does not create an advisory relationship with us.
• It does not choose, recommend or supervise the advisors or CPAs you share with. Any relationship with them is between you and them.
• Totals, categories, forecasts and suggestions are estimates based on the data your banks provide and on your own entries. They can be incomplete, delayed or wrong. Answers from AI features can be wrong.
• There is no guarantee of any result, such as saving a certain amount or paying off a bill. Decisions about your money are yours.

For advice about your situation, talk to a qualified professional.

• You must be 18 or older.
• You must live in the United States and connect accounts at US banks.
• You may connect only accounts that you own or are allowed to access.
• While Calibrated Money is invite only, a new account can be made only with an invited email address, an unused invite code from an advisor or CPA, or, for a professional, an approved request for a professional account.
• Professional accounts are only for the person named in the request. We approve each one before it opens and may decline or end one at any time. Approval does not mean we recommend the professional, and we do not send clients to them.
• If you invite your advisor or CPA, send the invite only to someone you know and who expects to hear from you.
• If you are a professional and add branding, use only a name and logo you have the right to use, and nothing misleading. Your branding is shown to the people whose pro you are. We may remove branding that breaks these terms.
• If you are a professional and add a headshot or contact methods, list only your own business contact methods that your firm has approved, and a photo of yourself. Do not use the short note to promise results or returns, to recommend a security, or to give advice. We may remove a headshot, contact method or note that breaks these terms.
• If you run a firm on Calibrated Money (a firm admin), add only advisors who work with your firm, use what clients share only to supervise and serve those clients, keep downloaded files secure, and follow the laws and rules that apply to your firm. Advisors join only by accepting an invite, and clients are told before they share that the firm can see what they share. We may end a firm or remove its branding if these terms are broken.
• Calibrated Money does not recommend any advisor or CPA. The PRO bubble shows the professional whose invite code you used, or the one you share with, and you can remove it at any time.

You sign in with Google. Keep your Google account secure, and turn on two-factor authentication in Settings if you want an extra step at sign-in. You are responsible for what happens in your account. Tell us right away if you think someone else has used it.

Features and limits depend on your plan, as shown in the app. They can change over time. Pricing will be announced before it applies to you.

Bank connections are provided by Plaid. By connecting an account, you allow Plaid to share read-only data about it with Calibrated Money, as described in the Plaid End User Privacy Policy. Your bank may ask you to sign in again from time to time. You can remove a bank in Settings at any time.

When you use Calibrated Money, you agree not to:

• break the law or use the service for fraud;
• try to see or change anyone else's data;
• connect accounts you are not allowed to access;
• try to get around plan limits, security checks or invite only;
• copy, scrape or use automated tools to access the service, except as we allow;
• interfere with the service, or try to take it apart or rebuild it;
• use AI features to get content unrelated to your own budget, or to try to change how they behave.

You can stop at any time. Deleting your account in Settings ends your bank connections at Plaid and deletes your data, as described in the Privacy Policy.

We may suspend or close an account that breaks these terms, or to protect you, other users or the service. We may change or stop the service. If we stop it, we will tell you in advance where we can, so you have time to delete your account.

Calibrated Money is provided as is and as available. We work to keep it accurate and running, but we do not promise that it will always be available, error free or complete.

To the extent the law allows, we are not responsible for indirect or consequential losses, or for decisions you make based on the service. Nothing in these terms limits rights you have under the law that cannot be limited.

If we change these terms, we will update the date at the top. If a change is significant, we will tell you in the app before it takes effect. If you keep using Calibrated Money after a change, the new terms apply.

Questions about these terms? Contact us at calibratedmoney@gmail.com.