Terms of Service

feels.money is a personal finance application. It connects to your financial accounts (through FeelConnect, our data platform), organizes what it finds — spending, subscriptions, net worth, goals — and uses AI to explain your finances and help you plan. Access to your accounts is read-only: the service cannot move money, make payments, or change anything at your financial institution.

AI-generated content can be wrong. We ground the coach in your actual numbers and design it to show its work, but you should verify any figure before relying on it for an important decision.

• You must be at least 18 years old to use feels.money.
• Keep your credentials to yourself. You are responsible for activity on your account; we strongly recommend enabling passkeys or two-factor authentication in settings.
• Give us accurate information and keep it current — especially the email address we use to reach you.
• One person per account. Family plans give each member their own sign-in; accounts must not be shared.

When you connect a financial institution, you authorize us to access the data you approve (such as balances and transactions) through FeelConnect, and you confirm you are entitled to grant that access — it must be your account, or one you are authorized to view. You can disconnect any institution at any time from settings, which revokes the connection token immediately.

We depend on institutions and data networks we do not control. Connections can break, data can arrive late or contain errors introduced upstream, and some institutions may become unavailable. We work to keep connections healthy but cannot guarantee the accuracy, completeness, or timeliness of data supplied by third parties.

• Free plan. Free forever, with the limits shown on our pricing page.
• Paid plans. Pro ($14.99/month) and Family ($39.99/month) bill monthly in advance and renew automatically until canceled.
• Cancellation. Cancel anytime from settings. You keep paid features until the end of the current billing period, then move to the Free plan. We do not offer prorated refunds for partial months, except where the law requires them.
• Price changes. If we change prices, we will tell you at least 30 days before the change affects you, and you can cancel before it does.

Do not:

• connect accounts you are not authorized to access, or use the service to view anyone's finances without their permission;
• probe, disable, or circumvent security or rate limits (if you find a vulnerability, report it via our responsible disclosure process);
• scrape, resell, or redistribute the service or its data, or use it to build a competing dataset;
• use the AI coach to generate content that is unlawful or intended to harm others;
• reverse engineer the service except where the law permits it.

We may suspend or terminate accounts that violate these rules. Where reasonable, we will warn you first.

Your financial data, journal entries, and anything else you put into feels.money remain yours. You grant us a limited license to process that data solely to operate and improve the service for you, as described in the Privacy Policy. We do not sell your data, and we do not use it to train AI models.

The service itself — the software, design, and brand — belongs to us and our licensors. We grant you a personal, non-transferable license to use it while these terms are in effect.

The service is built on a small number of providers:

• FeelConnect — financial account connectivity and data aggregation;
• Animica AI — AI model inference for the coach and insights;
• Stripe — payment processing, where card billing is enabled.

Each provider processes only what its role requires. Their role in handling your data is described in the Privacy Policy.

The service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that data from connected institutions will be accurate or complete.

To the fullest extent permitted by law: we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, savings, or investment losses — including losses arising from decisions you make based on information shown in the service. Our total liability for any claim is limited to the greater of $100 or the amount you paid us in the 12 months before the claim arose. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You can delete your account at any time from settings — see the Privacy Policy for what happens to your data (short version: it is permanently deleted within 30 days and connection tokens are revoked). We may suspend or terminate the service for material breach of these terms, and we will give you notice and a chance to export your data unless the breach makes that unreasonable.

If we make material changes, we will notify you by email or in the app at least 30 days before they take effect. Continuing to use the service after that date means you accept the new terms; if you do not, delete your account before they take effect.

These terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. Before filing any claim, contact us at legal@feels.money — most disputes can be resolved informally, and we will genuinely try.

feels.money · legal questions: legal@feels.money · privacy: privacy@feels.money · security: security@feels.money