PlavaFin
DRAFT — pending attorney review. This document is a working template, not a finished legal agreement, and is not legal advice. Bracketed [PLACEHOLDERS] will be completed before launch.

Terms of Service — PlavaFin

Effective date: [EFFECTIVE_DATE]

These Terms of Service (“Terms”) govern your use of the PlavaFin application and website at plavafin.com (the “Service”), operated by Nebula Edge LLC (“Nebula Edge,” “we,” “us,” or “our”). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

PlavaFin is a personal and business finance application that lets you connect financial accounts, and then imports, categorizes, tags, and reports on your transactions across your personal, rental, and business entities. The Service is an informational and organizational tool only.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. You represent that the information you provide is accurate and that you will keep it current.

3. Your account

You are responsible for maintaining the confidentiality of your account and for all activity under it. Notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms or that we reasonably believe pose a security or legal risk.

4. Connecting financial accounts

The Service lets you connect financial accounts through Plaid Inc. (“Plaid”). By connecting an account, you authorize us and Plaid to access and use your account information as described in our Privacy Policy and Plaid’s End User Privacy Policy. You represent that you are authorized to provide this access for the accounts you connect. You can disconnect an account at any time.

PlavaFin does not provide financial, investment, tax, accounting, or legal advice. Categorizations, reports (including any profit-and-loss or tax-oriented summaries), and other outputs are generated automatically for your convenience and may contain errors or omissions. They are not a substitute for professional advice, and you are responsible for verifying any information before relying on it — including for tax filing or business decisions. Consult a qualified professional for your specific situation.

6. Acceptable use

You agree not to: (a) use the Service unlawfully or for any fraudulent purpose; (b) access or connect accounts you are not authorized to use; (c) interfere with or disrupt the Service or its security; (d) reverse engineer, scrape, or attempt to gain unauthorized access to the Service or its data; or (e) use the Service to build or benefit a competing product.

7. Third-party services

The Service relies on third parties (including Plaid, Clerk, Amazon Web Services, and Cloudflare). Your use of those services may be subject to their own terms, and we are not responsible for their acts or omissions. We are not affiliated with, and do not endorse, any financial institution you connect.

8. Fees

The Service may currently be offered free of charge or as part of a limited pilot. We may introduce paid plans in the future; if we do, we will disclose pricing and obtain your agreement before charging you. Third parties (such as your financial institutions) may charge their own fees, for which we are not responsible.

9. Intellectual property

The Service, including its software, design, and content (excluding your data), is owned by Nebula Edge LLC and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal or internal business purposes. You retain all rights to the data you provide; you grant us a license to process it solely to operate and improve the Service as described in the Privacy Policy.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DATA (INCLUDING TRANSACTION DATA FROM THIRD PARTIES) WILL BE ACCURATE OR COMPLETE.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEBULA EDGE LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

12. Indemnification

You agree to indemnify and hold harmless Nebula Edge LLC from claims, damages, and expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

13. Governing law and disputes

These Terms are governed by the laws of the State of [GOVERNING_STATE], without regard to its conflict-of-laws rules. You agree that any dispute will be resolved in the state or federal courts located in [VENUE_COUNTY_STATE], and you consent to their jurisdiction.

14. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms or to protect the Service or other users. Sections that by their nature should survive termination (including Sections 5, 9–13) will survive.

15. Changes to these Terms

We may update these Terms from time to time. We will post the updated version with a new effective date and, where appropriate, notify you. Your continued use of the Service after changes take effect constitutes acceptance.

16. Contact

Nebula Edge LLC — Email: [LEGAL_EMAIL] · Website: nebulaedge.ai