Terms of Use

Important notice: This agreement is subject to binding arbitration and a waiver of class action rights as detailed in Section 11. Please read the agreement carefully.

Clariti is a product built by Clariti Finance. ("Clariti Finance," "we," "us," or "our"). Clariti Finance is a personal finance technology company that uses AI to help people make clearer financial decisions and improve their financial well-being. Our software helps users make smarter financial choices through AI-driven insights and recommendations.

These Terms of Use (the "Terms," "Terms of Use" or "Agreement") contain the terms and conditions that govern your access to and use of the Clariti Finance website, mobile application, and services (collectively, the "Services") provided by us and is an agreement between us and you or the entity you represent ("you" or "your"). Please read these Terms of Use carefully before using the Services.

By using the Services, clicking a button or checkbox to accept or agree to these Terms where that option is made available, or, if earlier, using or otherwise accessing the Services (the date on which any of the events listed above occur being the "Effective Date"), you (1) accept and agree to these Terms and any additional terms that apply to certain features or services, rules and conditions of participation issued by Clariti Finance from time to time and (2) consent to the collection, use, disclosure and other handling of information as described in our Privacy Policy. If you do not agree to the Terms or perform any and all obligations you accept under the Terms, then you may not access or use the Services.

You represent to us that you are lawfully able to enter into contracts. If you are entering into this Agreement for an entity, such as the company you work for, you represent to us that you have legal authority to bind that entity.

1. The Services

1.1 Generally

You may access and use the Services only in accordance with this Agreement. You agree to comply with the terms of this Agreement and all laws, rules and regulations applicable to your use of the Services.

1.2 Services and Access

Clariti offers a comprehensive personal finance management platform that includes AI-powered cash flow prediction, smart card recommendations, debt payoff strategies, and financial insights. Services are generally accessed through our website or mobile application, unless otherwise agreed in writing. Some Services may require you to create an account with Clariti Finance, enter a valid form of payment, and select a paid plan (a "Paid Plan").

1.3 Third-Party Content and Services

In certain Services, you may view, have access to, and may use the informational content, products, or services of one or more third parties ("Third Party Content" and "Third Party Services" respectively). In each such case, you agree that you view, access or use such content and services at your own election. Your reliance on any Third Party Content and use of Third Party Services in connection with the Services is governed on one hand by this Agreement but, on the other, will also generally be subject to separate terms and conditions set forth by the applicable third party content and/or service provider.

Third Party Content and Third Party Services are provided for your convenience only. We do not verify, curate, or control Third Party Content. We do not control Third Party Services. As a result, we do not guarantee, endorse, or recommend such content or services to any or all users of the Services, or the use of such content or services for any particular purpose. You access, rely upon or use any Third Party Content or Third Party Service at your own risk.

1.4 Support

You may seek or receive technical or product support, information, advice, or guidance from us regarding the Services, including via email or in-app chat. All support made available or provided by or on behalf of Clariti Finance is believed to be reliable, but we do not make representations or warranties, express or implied, as to its accuracy, its completeness, or the results to be obtained. Such support is being provided for informational purposes only and, by accepting such support, you are representing that you have adequate skill and experience regarding the proper selection, use, and/or application of Services and use such Services at your own discretion and risk.

2. Changes

2.1 To the Services

We may change or discontinue any or all of the Services or change or remove functionality of any or all of the Services from time to time. We will use commercially reasonable efforts to communicate to you any discontinuation of a Service through our website or public communications channels.

2.2 To the Terms

We may change these Terms at any time. If we make a material change to these Terms, we will provide at least 30 days' prior notice by posting notice of the change on our website or by sending you an email. If you do not agree to the modified terms, you should discontinue your use of the Services. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the modified Terms.

3. Your Responsibilities

You are responsible for all activities that occur under your account and for maintaining the confidentiality of your account credentials. You agree to:

• Provide accurate, current, and complete information when creating your account
• Maintain and promptly update your account information
• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized use of your account
• Use the Services only for lawful purposes and in accordance with these Terms
• Not attempt to gain unauthorized access to any part of the Services

4. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the collection and use of your information as described in our Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Intellectual Property

The Services and their content, features, and functionality are owned by Clariti Finance, its licensors, or other providers and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the Services for your own personal, non-commercial use and not for further reproduction, publication, or distribution

6. Disclaimers and Limitations of Liability

6.1 Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6.2 Limitations of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CLARITI FINANCE, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

7. Indemnification

You agree to defend, indemnify, and hold harmless Clariti Finance, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.

8. Termination

We may terminate or suspend your account and access to the Services at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate your account, you may simply discontinue using the Services or contact us to delete your account.

Upon termination, your right to use the Services will cease immediately. If you wish to terminate your account, you may simply discontinue using the Services or contact us to delete your account.

9. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any choice or conflict of law provision or rule.

10. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration conducted by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall be held in Delaware, and the arbitrator's decision shall be final and binding.

11. Miscellaneous

These Terms constitute the entire agreement between you and Clariti Finance regarding the Services and supersede all prior agreements and understandings. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Contact Information

If you have any questions about these Terms of Use, please contact us at: