Terms of Service

1. Acceptance of Terms

By accessing or using the Service, you represent that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of a household or organization, you represent that you have the authority to bind that entity to these Terms. Your continued use of the Service after any modifications to these Terms constitutes acceptance of those changes.

2. Description of Service

Richometer is a personal finance management platform that provides tools for:

• Net worth tracking and historical analysis
• Budget creation and management across multiple methodologies
• Transaction categorization, search, and tagging
• Investment portfolio tracking and asset allocation analysis
• Real estate and property value tracking
• Financial Independence / Retire Early (FIRE) planning and Monte Carlo simulations
• Debt payoff calculators and subscription tracking
• Tax planning tools including Roth conversion optimization
• Social Security benefit optimization
• AI-powered financial assistant (optional, user-initiated)
• Financial reports, data export, and household/family sharing

The Service may be updated, modified, or expanded at our discretion. We will make reasonable efforts to notify you of material changes.

3. Account Registration

• Eligibility: you must be at least 18 years of age to create an account and use the Service.
• Accurate Information: you agree to provide accurate, current, and complete information during registration and to keep your account information updated.
• One Account Per Household: each subscription is intended for a single household. You may invite household or family members to your organization using our sharing features, but each household should maintain only one account.
• Account Security: you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use.
• Authentication: we support email/password authentication, Google OAuth, and passkey (WebAuthn) login. You are responsible for the security of whichever authentication method you choose.

4. Subscription Plans and Billing

4.1 Plans

Richometer offers the following subscription tiers:

4.2 Billing

• Paid subscriptions are billed monthly in advance through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis.
• You may cancel your subscription at any time from your account settings or through the Stripe billing portal. Cancellation takes effect at the end of the current billing period; you will retain access to paid features until then.
• We reserve the right to change subscription pricing with at least 30 days' notice before the new pricing takes effect. Existing subscribers will be notified by email.
• All fees are non-refundable except where required by applicable law or at our discretion.

4.3 Grace Period

If a payment fails, you will have a 14-day grace period to update your payment information. During this period, you will retain access to your paid features. After the grace period expires, your account will be downgraded to the Free tier. Your data will not be deleted.

5. Free Trial

We may offer a 14-day free trial for paid subscription tiers. During the trial period, you will have full access to the features of the selected tier. At the end of the trial, your subscription will automatically convert to a paid subscription unless you cancel before the trial ends. You will be notified before any charge is made. Each user is eligible for one free trial per subscription tier.

6. User Responsibilities

• Credential Security: keep your login credentials, passkeys, and any connected account access secure. Do not share your password with others.
• Accurate Data: you are responsible for the accuracy of data you enter manually. We provide tools to help categorize and organize your finances, but the accuracy of manually entered data is your responsibility.
• Lawful Use: you agree to use the Service only for lawful personal financial management purposes and in compliance with all applicable laws and regulations.
• Connected Accounts: when you connect financial accounts via Plaid, you represent that you are the authorized holder of those accounts.

7. Financial Disclaimer

8. Third-Party Integrations

8.1 Plaid

By using Plaid to connect your financial accounts, you agree to Plaid's End User Privacy Policy and authorize Plaid to access your financial data on your behalf and share it with Richometer. You may revoke this authorization at any time by disconnecting the linked account from your settings.

8.2 Stripe

Payment processing is provided by Stripe and is subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service. By agreeing to these Terms, you also agree to be bound by Stripe's terms as applicable to your use of payment features.

8.3 Third-Party Availability

We are not responsible for the availability, accuracy, or performance of third-party services. Temporary outages or data delays from Plaid, Stripe, or other providers may affect Service functionality. We will make reasonable efforts to communicate known issues but are not liable for disruptions caused by third parties.

9. Data Ownership

• Your Data: you retain full ownership of your personal data, financial data, and any content you input into the Service. We do not claim ownership of your data.
• License to Us: by using the Service, you grant us a limited, non-exclusive, non-transferable license to access, store, process, and display your data solely for the purpose of providing and improving the Service. This license terminates when you delete your account.
• Data Export: you may export your data at any time using our CSV and PDF export features available in your account settings.
• Data Deletion: you may delete your account and all associated data at any time. Upon deletion, we will remove your data as described in our Privacy Policy.

10. Intellectual Property

The Service, including but not limited to its source code, design, user interface, graphics, logos, trademarks, and all related intellectual property, is owned by Richometer and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service, nor may you reverse engineer or attempt to extract the source code, unless permitted by law or with our written consent.

11. Prohibited Conduct

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws.
• Attempt to gain unauthorized access to the Service, other accounts, computer systems, or networks connected to the Service.
• Interfere with or disrupt the integrity or performance of the Service or the data contained therein.
• Use automated scripts, bots, or other means to access the Service beyond normal use patterns.
• Impersonate another person or entity, or misrepresent your affiliation with a person or entity.
• Share, resell, or redistribute access to the Service or any data obtained through the Service.
• Connect financial accounts that you are not authorized to access.
• Use the Service to engage in money laundering, fraud, or other financial crimes.

12. Limitation of Liability

13. Indemnification

You agree to indemnify, defend, and hold harmless Richometer and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any financial decisions you make based on information provided by the Service.

14. Termination

14.1 Termination by You

You may cancel your account at any time through your account settings. Upon cancellation, your paid subscription (if any) will remain active until the end of the current billing period. After cancellation, you may request deletion of your data as described in our Privacy Policy.

14.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, if we reasonably believe: (a) you have violated these Terms; (b) you are using the Service for fraudulent or unlawful purposes; (c) your continued use poses a security risk to the Service or other users; or (d) maintaining your account would expose us to legal liability.

14.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination (including ownership provisions, warranty disclaimers, indemnification, and limitations of liability) shall survive.

15. Dispute Resolution

15.1 Informal Resolution

Before filing a formal dispute, you agree to attempt to resolve the dispute informally by contacting us at legal@richometer.com. We will attempt to resolve the dispute informally within 60 days.

15.2 Binding Arbitration

If a dispute cannot be resolved informally, you and Richometer agree to resolve it through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will be conducted in the State of Delaware. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

15.3 Class Action Waiver

YOU AND RICHOMETER AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than in arbitration, both parties waive any right to a jury trial.

16. Changes to Terms

We may modify these Terms at any time. If we make material changes, we will provide at least 30 days' notice before the new terms take effect, either by sending a notice to the email address associated with your account or by posting a prominent notice within the Service. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and may delete your account.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the federal or state courts located in Delaware, and you consent to the personal jurisdiction of such courts.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Richometer regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

20. Contact Information

If you have questions about these Terms, please contact us: