Terms of Service

Effective date: [DATE] · Last updated: [DATE]

Draft for review. This is a starting template. Have it reviewed by a licensed attorney and complete every [BRACKETED] field before launch. The limitation-of-liability and governing-law sections in particular should be set by your lawyer for your jurisdiction.

These Terms govern your use of FortuniFi, operated by [LEGAL ENTITY NAME]. By creating an account or using the service, you agree to these Terms.

What FortuniFi is — and isn’t

FortuniFi is a budgeting and financial-education tool. It is not financial, investment, legal, or tax advice, and it is not a bank, lender, or financial advisor. Plans and projections are estimates based on the information you enter and assumptions you can change. Your financial decisions are your own.

Your account

You’re responsible for keeping your login credentials secure and for activity under your account. Use a strong, unique password and enable two-factor authentication. Tell us promptly if you suspect unauthorized access.

Free and Plus plans; billing

The core budgeting and guidance features are free.
Plus adds automatic bank sync and deeper reporting for $7.99/month or $69/year, after a 14-day free trial.
Payments are processed by Stripe. By starting a paid plan you authorize the recurring charge until you cancel.
You can cancel anytime; access continues through the end of the paid period. [State your refund policy here.]
Prices may change with reasonable advance notice.

Acceptable use

Don’t misuse the service: no unlawful use, no attempts to break, overload, or reverse-engineer it, no accessing other users’ data, and no uploading harmful content. We may suspend accounts that do.

Third-party services

FortuniFi relies on Stripe (payments), Plaid (optional bank connections), and Cloudflare (hosting). Your use of those connections is also subject to their terms.

Disclaimers

The service is provided “as is” without warranties of any kind to the fullest extent permitted by law. We don’t guarantee particular financial outcomes, uninterrupted availability, or that the service is error-free.

Limitation of liability

[To be set by counsel.] To the maximum extent permitted by law, FortuniFi and its operators are not liable for indirect, incidental, or consequential damages arising from your use of the service.

Changes

We may update the service or these Terms. For material changes we’ll update the effective date and take reasonable steps to notify you. Continued use means you accept the updated Terms.

Governing law

These Terms are governed by the laws of [STATE/JURISDICTION], without regard to conflict-of-laws rules.

Contact

Questions about these Terms? Email [email protected].