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Terms of Service

Effective date: November 13, 2026

These Terms of Service ("Terms") are a contract between you and [COMPANY LEGAL NAME], a [STATE OF FORMATION] company ("Tiny Banker," "we," "us," or "our"). They govern your use of tinybanker.com, our mobile and web apps, and our related services (together, the "Service").

Please read them. They include an agreement to resolve most disputes through individual arbitration, not in court. You can opt out. See Section 16.

By creating an account, selecting "I agree," or using the Service, you agree to these Terms and to our Privacy Policy at https://tinybanker.com/privacy. If you do not agree, do not use the Service.

1. What Tiny Banker is, and what it is not

Tiny Banker is a personal finance service. It lets you connect financial accounts that you own, see your information in one place, and use features that help you understand it.

Tiny Banker is read-only. We do not hold your money, move money, make payments or transfers, or give you credit or loans. The money in your accounts stays with your financial institutions. Tiny Banker is not a bank, and it is not FDIC-insured.

Tiny Banker is not a lender, a broker-dealer, an investment adviser, a tax preparer, a law firm, or a consumer reporting agency. Nothing in the Service is financial, investment, tax, or legal advice. Information in the Service is general, and it may be incomplete or wrong. Talk to a qualified professional before you make an important decision. Every decision you make is yours.

2. Who can use Tiny Banker

To use the Service, you must:

Keep your sign-in credentials secure. You are responsible for activity under your account. Tell us right away at support@tinybanker.com if you think someone else has used your account. Connect only accounts that you own or are authorized to use.

3. Connecting your financial accounts

To show your financial information, we use Plaid Inc. ("Plaid") and similar connection providers. When you connect an account, you authorize us and the connection provider to access, retrieve, and store the data you approve from your financial institution on your behalf, and to give that data to us. You also agree that Plaid handles your information under its End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy.

Your financial institutions and our connection providers are not our agents, and we do not control them. Data may be delayed, incomplete, or wrong. Your financial institution's own records are the official record. Follow the terms of your financial institutions. You are responsible for any fees they charge.

You can revoke our access to an account at any time. Disconnect it in Tiny Banker, at https://my.plaid.com, or with your financial institution. Some features stop working if you do.

We use connection providers to read your data. We do not use them to move your money.

4. Your information

You own your information. This includes the data from your connected accounts and the content you upload. You give us a limited, non-exclusive, worldwide, royalty-free license to host, process, transmit, display, and analyze it, only as needed to provide, secure, support, and improve the Service for you and to meet our legal duties, as the Privacy Policy describes. We do not sell your information.

This license ends when we delete your information under the Privacy Policy. Backup copies and records that the law requires us to keep may remain for the periods the Privacy Policy states.

You promise that you have the right to give us the information and permissions described in these Terms.

5. AI features

Some features use artificial intelligence to organize, summarize, or answer questions about your information ("AI Features"). AI Features can give answers that are incomplete, out of date, or wrong, and answers may differ from one request to the next. Check important results against your own records and statements before you rely on them. We do not guarantee that AI output is accurate or complete. Do not use AI output as the only basis for a legal, tax, or investment decision.

Some AI Features send information to third-party AI providers. The Privacy Policy explains how, and we ask for your permission in the app first.

6. Rules for using the Service

You agree that you will not:

We may investigate violations and take action that this section and Section 12 describe.

7. Fees

Tiny Banker may offer free and paid features. Before you pay for anything, we will show you the price, how often you will be charged, and how to cancel. If you buy through an app store, the store's terms govern payment, renewal, cancellation, and refunds. You are responsible for any taxes. We may change prices going forward with notice. A price change applies only after your current billing period ends.

8. Our property and your feedback

The Service, including its software, design, text, graphics, logos, and the Tiny Banker name and marks, belongs to us or our licensors and is protected by law. We give you a limited, personal, revocable, non-exclusive, non-transferable license to use the Service as these Terms allow. We keep all other rights.

If you send us ideas or feedback, you give us a non-exclusive, perpetual, royalty-free license to use them without payment or credit. Nothing in these Terms limits your right to post your own honest review or opinion of the Service anywhere.

9. Third-party services

The Service works with services we do not own, such as Plaid, your financial institutions, app stores, AI providers, and hosting providers. Their terms and privacy policies apply to what they do. We are not responsible for their services, content, or practices, or for links to other sites.

10. Privacy

Our Privacy Policy at https://tinybanker.com/privacy explains what information we collect and how we use, share, keep, and protect it. It is part of these Terms.

11. Changes to the Service and to these Terms

We may change, suspend, or end any part of the Service, including features that are in early access. We may also update these Terms. For a material change, we will email you or show a notice in the Service at least 30 days before the change takes effect, unless the law or a security issue requires us to act sooner. If you keep using the Service after a change takes effect, you accept the new Terms. If you do not agree, stop using the Service and close your account. A change does not apply to a dispute that began before the change took effect.

12. Ending your use

You may stop using the Service and delete your account at any time. Use the delete option in the app when it is available, or email privacy@tinybanker.com.

We may suspend or end your access if you break these Terms; if the law, a connection provider, or a financial institution requires it; if we reasonably believe your account is at risk or is being used for fraud or abuse; or if we stop offering the Service. Where we can, we will tell you before we do.

When your account ends, your license to use the Service ends, and we handle your information as the Privacy Policy describes. Sections that by their nature should continue, such as Sections 8, 13 through 17, and 20, continue after your account ends.

13. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DATA FROM FINANCIAL INSTITUTIONS, CALCULATIONS, OR AI OUTPUT WILL BE ACCURATE OR COMPLETE. DATA SHOWN IN THE SERVICE IS FOR GENERAL INFORMATION ONLY. SOME PLACES DO NOT ALLOW CERTAIN DISCLAIMERS, SO PART OF THIS SECTION MAY NOT APPLY TO YOU.

14. Limits on our liability

TO THE FULLEST EXTENT THE LAW ALLOWS: (A) WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS; AND (B) OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM AROSE AND $100. THESE LIMITS APPLY TO EVERY LEGAL THEORY, EVEN IF WE WERE TOLD THAT DAMAGES WERE POSSIBLE. NOTHING IN THESE TERMS LIMITS LIABILITY THAT THE LAW DOES NOT ALLOW US TO LIMIT, SUCH AS LIABILITY FOR FRAUD OR WILLFUL MISCONDUCT. SOME PLACES DO NOT ALLOW THESE LIMITS, SO PART OF THIS SECTION MAY NOT APPLY TO YOU.

15. Your indemnity

If a third party brings a claim against us because you broke Section 2 or Section 6 or violated the law, you agree to pay our reasonable losses from that claim, to the extent the law allows. We will tell you about the claim and let you help with it. You may not settle it in a way that imposes obligations on us without our consent. This section does not apply to losses we cause.

16. Resolving disputes

Please read this section carefully. It affects your rights.

(a) Talk to us first. Email legal@tinybanker.com. Describe the problem and what you want. Both of us will try in good faith to resolve it informally for 30 days before either of us starts an arbitration or court case.

(b) Agreement to arbitrate. Except for the items in (e), you and we agree to resolve any dispute or claim arising out of or relating to these Terms or the Service, including whether a dispute can be arbitrated, through final and binding individual arbitration instead of in court. No judge or jury will decide the dispute. The Federal Arbitration Act governs this Section 16. The American Arbitration Association ("AAA") will run the arbitration under its Consumer Arbitration Rules in effect when the claim is filed. You can find the rules at adr.org.

(c) How arbitration works. One arbitrator will decide the dispute. The arbitration will be held by video, by phone, or on written submissions, unless the arbitrator decides that an in-person hearing is needed, in which case it will be held in the county where you live. The arbitrator must follow the law and these Terms, and may award the same individual relief a court could. You will pay no more than the filing fee that the AAA's consumer fee schedule sets for individuals. We will pay all other AAA fees and the arbitrator's fees. A court with jurisdiction may enforce the award.

(d) No class actions. You and we may bring claims against each other only on an individual basis. Neither of us may bring or take part in a class, collective, consolidated, or representative action, except as (e)(iii) allows. If a court finds that this waiver cannot be enforced for a claim, that claim must be brought in court, and the rest of this Section 16 still applies to all other claims.

(e) Exceptions. This Section 16 does not apply to: (i) a claim that qualifies for small-claims court, if it stays in that court on an individual basis; (ii) a claim by either of us for an injunction in court to stop misuse or infringement of intellectual property; (iii) a claim for public injunctive relief, to the extent the law of your state does not allow a waiver of the right to seek that relief in any forum, in which case only that claim may be brought in court; or (iv) a claim that the law does not allow to be sent to arbitration before a dispute arises.

(f) Your right to opt out. You may opt out of this arbitration agreement within 30 days after you first accept these Terms. Email legal@tinybanker.com with the subject "Arbitration opt-out," your name, and the email address on your account. If you opt out, the rest of these Terms still applies, and Section 17 governs any dispute.

(g) If this Section 16 does not apply. If any part of this Section 16 is held invalid in a way that sends a dispute to court, Section 17 governs that dispute.

17. Governing law and courts

California law governs these Terms and any dispute between you and us, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 16. For any dispute that is not subject to arbitration, you and we agree to the exclusive jurisdiction of the state and federal courts located in California, except that either of us may use a court where the law requires, and you may bring a claim in small-claims court where you live.

18. Electronic communications and notices

You agree to receive notices, disclosures, and other communications from us electronically ("Electronic Communications"). We may send them by email to the address on your account, post them at tinybanker.com, or show them in the Service. This covers all communications about the Service during our relationship, including legally required notices such as privacy notices and notices of changes.

You can ask for a paper copy of any Electronic Communication, at no charge, by emailing support@tinybanker.com. You can withdraw your consent at any time by emailing support@tinybanker.com. Because the Service works only electronically, we may then need to close your account. To receive Electronic Communications you need a device with internet access, a current web browser or our app, and a working email address. Keep your email address current in your account settings. We will tell you if these requirements change in a way that could keep you from reading our communications. By selecting "I agree," you confirm that you can read this information in electronic form.

Send legal notices to us at legal@tinybanker.com or at the address in Section 21. We send notices to you at the email address on your account or in the Service.

19. Mobile apps

If you get the Tiny Banker app from the Apple App Store, Apple's Licensed Application End User License Agreement also applies to the app. If you get it from Google Play, Google's terms for Google Play also apply. These Terms are between you and us only. They are not with Apple or Google. We, not Apple or Google, are responsible for the Service, for support, and for claims about it. Your device maker, mobile carrier, and app store may charge fees. You must follow their terms.

20. General terms

These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any part is found unenforceable, the rest stays in effect. If we do not enforce a right, we do not give it up. You may not assign these Terms without our consent. We may assign them in a merger, acquisition, or sale of assets. We are not liable for a delay or failure caused by events beyond our reasonable control. You may not use the Service if you are located in a country subject to a U.S. embargo or if you are on a U.S. government list of prohibited or restricted parties. You agree to follow U.S. export and sanctions laws.

21. Contact us

[COMPANY LEGAL NAME]

[COMPANY MAILING ADDRESS]