Terms of Service

SeeClario is a personalized financial dashboard. You provide us financial data — by uploading statements, connecting bank accounts via Plaid, or entering information manually — and we build you a custom dashboard that reflects your accounts, balances, spending, and goals.

Lifetime portal access: Members who purchased SeeClario Setup before July 2026 keep lifetime portal access: their dashboard and portal account remain accessible for as long as we operate the service, with no recurring subscription required to log in. For members joining from July 2026, portal access is part of the SeeClario Pulse subscription; your data remains exportable and deletable at any time per our Privacy Policy.

We are not a bank, broker, investment advisor, tax preparer, or financial planner. We do not hold your money, execute trades, or move funds on your behalf. We present and interpret the data you give us.

To use SeeClario you must be at least 18 years old and legally able to enter into contracts. You agree to provide accurate information when signing up and keep your password secure. You are responsible for activity on your account.

If you share access with another household member or advisor, you remain responsible for what they do with your account.

Current pricing (subject to change with notice):

• SeeClario Pulse (the only plan — July 2026) — $25 per month, recurring. Everything included: automatic refresh via your linked banks, unlimited AI assistant, all features, web portal and mobile app. No setup fee. Cancel anytime. Members who joined before July 2026 are grandfathered on their original terms (including one-time Setup purchases, lifetime portal access already granted, Access subscriptions, and unspent refresh credits) — no existing member’s price increases from this change.
• Founding rate — the first 25 paid subscribers receive Pulse at $10 per month, applied automatically at checkout while spots remain. The founding rate is locked for as long as the subscription remains continuously active; it does not survive cancellation.
• Clario Streak — when your Clario Score is 70 or higher at the close of two consecutive calendar months, we apply a $5 credit to your next invoice for each month the streak holds. Credits are earned, never reversed: a month below 70 pauses new credits but never raises your bill or claws back credits already granted. Every 6 consecutive on-track months earns one 100%-off billing cycle (a free month). The Clario Score is computed by SeeClario from your connected data; its methodology may evolve, and streak determinations at month close are final.

Payment is processed by Stripe. We receive payment confirmation from Stripe; we never see or store your card number.

Prices may change for new customers at any time. If we change prices for existing subscribers, we’ll give at least 30 days’ notice by email and you can cancel before the change takes effect.

• Setup fee: refundable within 7 days of purchase if we haven’t yet delivered your first dashboard. Not refundable after dashboard delivery.
• Refresh packs: unused credits are refundable on a pro-rata basis within 30 days of purchase. Used credits are not refundable.
• Subscriptions (Pulse; legacy Access): cancel anytime from the Stripe Billing Portal linked in your profile. Cancellation takes effect at the end of your current billing period. No partial-month refunds. Cancelling a founding-rate subscription ends the $10/mo lock — a future re-subscription is at the then-current price.
• Full account deletion: email [email protected]. We delete your data within 30 days per our Privacy Policy.

When you use SeeClario, you agree not to:

• Upload fraudulent, stolen, or third-party financial data without authorization.
• Attempt to gain unauthorized access to our systems, other users’ accounts, or connected banks.
• Reverse engineer, scrape, or resell the service.
• Use the service to violate any law.
• Impersonate another person or business.

We may suspend or terminate accounts that violate these rules. Where appropriate we will give notice and an opportunity to correct before terminating.

If you choose to use our Fast Connect feature, Plaid Inc. (“Plaid”) retrieves your financial data from your bank on your behalf. When you authorize Plaid:

• You authenticate directly with your bank through Plaid’s interface. We never see your online banking credentials.
• Plaid provides us with account information and transactions for the accounts you select.
• You can disconnect any linked bank at any time from your SeeClario portal, which immediately revokes our access.

Plaid is a separate company with its own terms and privacy policy. By using Fast Connect you also agree to Plaid’s End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy.

We are not responsible for errors or outages originating at Plaid or at your bank. If Plaid-sourced data is wrong or incomplete, the fix is usually to disconnect and reconnect the bank.

You retain ownership of the financial data you provide. We use it only to deliver the service as described in our Privacy Policy. We do not sell your data, do not share it with advertisers, and do not use it to train machine learning models at third parties.

You grant us a limited license to process your data for the purposes of building your dashboard, running the AI Assistant when you use it, sending you operational communications, and improving the product for all users in aggregate, anonymized form.

We own the SeeClario software, dashboard templates, branding, and product design. You may use the service for your personal or household financial management. You may not copy, resell, or redistribute the software or dashboards.

The AI Assistant is a conversational feature powered by Anthropic’s Claude model. It can answer questions about the data in your dashboard and make general observations. Its responses are informational, not professional financial, tax, legal, or investment advice.

Do not make consequential financial decisions based solely on the AI Assistant’s output. Consult a qualified professional — CPA, CFP, attorney, fiduciary advisor — for decisions that materially affect your finances.

We are not liable for decisions you make based on AI Assistant responses or any other content we present. The service is decision support, not decision making.

The service is provided “as is” and “as available.” We do not warrant that it will be uninterrupted, error-free, or suitable for any particular purpose.

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, consequential, or punitive damages.
• Our total liability to you for any claim arising out of these Terms or the service is limited to the greater of $100 or the amount you paid us in the 12 months before the event that gave rise to the claim.
• We are not liable for errors in data supplied by third parties (including banks and Plaid) or for unauthorized access to your accounts that occurs through no fault of ours.

Some jurisdictions do not allow these limits. If yours is one of them, the limits above apply to the maximum extent permitted.

You agree to indemnify and hold Clario Labs harmless from claims arising out of your misuse of the service, your violation of these Terms, or your violation of another person’s rights.

We may modify the service or these Terms at any time. If we make material changes to these Terms, we’ll give active users at least 14 days’ notice by email before they take effect. Continued use of the service after changes take effect means you accept them. If you don’t accept, your remedy is to close your account.

You may stop using the service at any time. We may suspend or terminate your account for any violation of these Terms or at our reasonable discretion — if we do so without cause, we’ll refund any prepaid amounts for services not yet delivered.

Sections that by their nature should survive termination (payment obligations, ownership, disclaimers, liability limits, indemnification, dispute resolution) do survive.

These Terms are governed by the laws of the State of Texas without regard to conflict-of-laws principles.

Before filing any legal action, you agree to try to resolve the dispute informally by emailing [email protected] and giving us 30 days to respond. Most issues can be worked out by email.

If informal resolution fails, disputes must be brought exclusively in the state or federal courts located in Bandera County, Texas. You and we waive any objection to that venue.

These Terms, together with our Privacy Policy, are the entire agreement between you and SeeClario regarding the service. If any provision is unenforceable, the rest remain in effect. Our failure to enforce a provision doesn’t waive our right to enforce it later. You can’t transfer your rights under these Terms without our written consent; we can assign these Terms to a successor business entity (for example, if we convert Clario Labs from a sole proprietorship to an LLC).

Questions about these Terms: [email protected]