Terms of Service
Last updated: January 19, 2026
Agreement to Terms
By accessing or using WealthVault, you agree to these Terms of Service. If you disagree with any part, you may not use the service.
Description of Service
WealthVault is a personal finance tool that provides cash flow predictions, spending alerts, subscription tracking, and AI-powered financial guidance. The service connects to your bank accounts through Plaid in read-only mode.
WealthVault is not a bank and does not hold, transfer, or have access to your funds. We provide informational tools only.
Not Financial Advice
Important: WealthVault provides informational tools and predictions based on your transaction history. This is not financial, investment, tax, or legal advice.
Predictions are estimates based on historical patterns and may not accurately reflect future results. Always consult qualified professionals for financial decisions.
Account Responsibilities
You are responsible for:
- Maintaining the security of your account credentials
- All activity under your account
- Ensuring your connected bank accounts belong to you
- Notifying us of any unauthorized access
Acceptable Use
You agree not to:
- Use the service for illegal purposes
- Attempt to gain unauthorized access to our systems
- Interfere with other users' use of the service
- Reverse engineer or copy the service
- Use automated systems to access the service without permission
Subscription and Billing
WealthVault offers free and paid subscription tiers. For paid subscriptions:
- Billing occurs monthly through Stripe
- You can cancel anytime; access continues until the end of your billing period
- Refunds are handled on a case-by-case basis
- We may change pricing with 30 days notice
Third-Party Services
WealthVault integrates with third-party services including Plaid (bank connections), Stripe (payments), and Clerk (authentication). Your use of these services is subject to their respective terms and privacy policies.
Limitation of Liability
To the maximum extent permitted by law, WealthVault and its operators shall not be liable for:
- Financial losses based on predictions or recommendations
- Inaccuracies in data from connected bank accounts
- Service interruptions or data loss
- Actions taken based on information provided by the service
Our total liability shall not exceed the amount you paid for the service in the past 12 months.
Termination
You may delete your account at any time. We may suspend or terminate accounts that violate these terms or for any reason with notice. Upon termination, your data will be deleted according to our Privacy Policy.
Changes to Terms
We may update these terms from time to time. We will notify you of material changes via email or in-app notification. Continued use after changes constitutes acceptance.
Contact
Questions about these terms? Email us at legal@wealthvault.app.