Terms of Service
Effective: 4 September 2026 · Last updated: 4 September 2026
Draft pending legal review. Prepared to reflect what the PathForward Financial application actually does, based on a technical audit of the software. Not yet reviewed by an attorney. If you operate this service, have counsel review it before launch — particularly sections 8, 10, and 11.
These terms are an agreement between you and PathForward Financial (“PathForward”, “we”, “us”) covering your use of our website and application. By creating an account or using the service, you agree to them. If you do not agree, do not use the service.
1. What PathForward is — and what it is not
PathForward is software for organising your own money. It helps you build a budget, track debts and savings, plan payoff strategies, and see your net worth over time.
PathForward is not a financial adviser. We are not a bank, credit union, lender, broker-dealer, insurance agency, tax preparer, or registered investment adviser. Nothing in the application is personalised financial, investment, tax, or legal advice. Educational content, rules of thumb, calculators, and suggested sequences are general information only. See our Financial Disclaimer, which forms part of these terms.
2. Your account
- You must be at least 18 and able to enter a binding contract.
- Provide accurate information and keep your password secure. You are responsible for what happens under your account.
- One account per person. Do not share credentials — use household sharing if you want another person to have access.
- Tell us promptly at pathforward.financial.2026@gmail.com if you suspect unauthorised use.
3. Subscriptions and payment
- A free tier is available. Premium costs $9.99 per month, billed monthly in advance through Stripe.
- Your subscription renews automatically until you cancel.
- Cancel any time from Settings → Billing. Cancellation stops future charges; access continues to the end of the period you have already paid for.
- Payments are generally non-refundable except where required by law, though we may issue refunds at our discretion.
- If a payment fails, we may retry it. Continued failure may result in Premium access being suspended.
- We may change pricing with at least 30 days’ notice before it affects your next renewal.
4. Connecting a bank account
Bank connections are optional and provided through Plaid Inc. By connecting an account you authorise us to retrieve account balances and transaction history through Plaid on your behalf.
- You must own the accounts you connect, or be authorised to access them.
- Your bank credentials are entered directly with Plaid. We never see or store them.
- You may disconnect at any time; we then revoke our access with Plaid.
- Your use of Plaid is also governed by Plaid’s own end-user policies.
- We cannot guarantee that transaction data is complete, current, or correctly categorised. Your bank remains the authoritative record.
5. Household sharing
You may invite another person into your budget. Understand clearly what this does: the person you invite can read and change your financial data, including income, expenses, debts, savings, and any synced bank transactions. You are responsible for who you invite. Either party may end the arrangement at any time.
6. Acceptable use
You agree not to:
- Use the service unlawfully, or to launder money or commit fraud.
- Access another person’s account or data without permission.
- Probe, scan, or attempt to breach our security, or circumvent any access control or usage limit.
- Scrape, resell, or redistribute the service or its content.
- Upload malware, or content that is unlawful or infringing.
- Reverse engineer the service except where that right cannot lawfully be excluded.
- Impersonate anyone, or connect a financial account you have no right to access.
We may suspend or terminate accounts that violate this section.
7. Your content and our software
Your data stays yours. You keep all rights to the financial information you enter. You grant us only the limited licence needed to store, process, and display it back to you and to anyone you have invited.
We may use fully anonymised, aggregated statistics — for example, how many users are on each plan — to operate and improve the service. Such data can never identify you.
The application, its design, and its content are ours and are protected by intellectual property law. These terms grant you a personal, non-exclusive, non-transferable, revocable right to use the service; they transfer no ownership.
8. Disclaimer of warranties
The service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the service will be uninterrupted, error-free, or secure; that calculations, projections, or estimates will prove accurate; that data retrieved from your bank will be complete or timely; or that using the service will improve your financial position.
Every financial decision you make is your own. Verify important figures against your bank, your statements, and a qualified professional.
9. Limitation of liability
To the maximum extent permitted by law, PathForward and its owner are not liable for indirect, incidental, special, consequential, or punitive damages; for lost profits, lost savings, or lost data; for financial losses arising from decisions you made using the service; or for the acts or failures of Plaid, Stripe, Google, or your bank.
Our total liability for any claim relating to the service is limited to the greater of $100 or the amount you paid us in the twelve months before the claim arose.
Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.
10. Indemnity
You agree to indemnify PathForward against claims arising from your misuse of the service, your violation of these terms or of any law, or your infringement of a third party’s rights.
11. Ending the agreement
You may stop using the service and delete your account at any time from Settings → Account. We may suspend or terminate your access if you breach these terms, if required by law, or if we discontinue the service — in which case we will give reasonable notice and an opportunity to export your data.
On termination your right to use the service ends immediately. Sections 7 through 10 survive.
12. Changes
We may update these terms. Material changes will be notified in the application or by email at least 30 days before taking effect. Continuing to use the service afterwards means you accept the revised terms.
13. Governing law
These terms are governed by the laws of the State of Colorado, United States, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Adams County, Colorado, and you consent to their jurisdiction.
14. General
- If a provision is found unenforceable, the rest remains in force.
- Our failure to enforce a provision is not a waiver of it.
- You may not assign these terms; we may assign them in connection with a merger or sale.
- These terms, together with the Privacy Policy and Financial Disclaimer, are the entire agreement between us.