Terms of Service

Acceptance of Terms

By downloading, installing, accessing, or using the Capira application, you confirm that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference.

If you do not agree to these Terms, you must not use the Service. Your continued use of the Service following any update to these Terms constitutes your acceptance of the revised Terms.

These Terms constitute a legally binding agreement between you and Capira. If you are using the Service on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms, in which case “you” refers to that entity.

Eligibility

To use the Capira Service, you must meet all of the following requirements:

• You are at least 18 years of age
• You are a resident of a country where the Service is available
• You have the legal capacity to enter into a binding contract
• You are not barred from receiving services under applicable law
• You have not previously been suspended or terminated from the Service for a violation of these Terms

The Service is currently available to residents of the United States. Capira makes no representation that the Service is appropriate or available for use in other locations. Accessing the Service from territories where its content is illegal is prohibited.

By creating an account, you represent and warrant that you meet all eligibility requirements. If Capira discovers that you do not meet these requirements, we reserve the right to suspend or terminate your account immediately.

User Accounts

Account Registration

To access the Service, you must create an account by providing accurate, current, and complete information. You agree to keep your account information up to date. Providing false or misleading information is a violation of these Terms and may result in account termination.

Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your password. You agree to:

• Choose a strong, unique password and not reuse it across other services
• Enable multi-factor authentication (MFA) where available — we strongly recommend it
• Not share your account credentials with any third party
• Notify Capira immediately at support@capirafinance.com if you suspect unauthorized access to your account
• Log out of your account after each session on shared or public devices

You are responsible for all activity that occurs under your account, whether or not you authorized it. Capira is not liable for any loss or damage arising from unauthorized use of your account credentials.

One Account Per Person

Each user may maintain only one active Capira account. Creating multiple accounts to circumvent a suspension, access additional features, or for any other reason is prohibited.

Account Deletion

You may delete your account at any time from within the Capira app under Settings → Account → Delete Account, or by contacting us at support@capirafinance.com. Account deletion is subject to our data retention practices described in our Privacy Policy.

Subscription Plans

Capira offers the following subscription tiers:

Feature availability within each plan is subject to change. We will provide reasonable advance notice before removing features from a plan you are currently subscribed to.

Free Plan

The Free plan provides access to a subset of Capira's features at no charge. Capira reserves the right to modify the features available on the Free plan at any time with reasonable notice.

Paid Plans

Paid subscriptions (Pro and Elite) renew automatically at the end of each billing period unless you cancel before the renewal date. You can manage and cancel your subscription at any time from within the app or through the App Store / Google Play subscription management settings.

Plan Changes

You may upgrade or downgrade your subscription plan at any time. Upgrades take effect immediately, with prorated credit applied for the unused portion of your current billing period. Downgrades take effect at the start of the next billing period.

Billing and Payments

Payment Processing

All payments for Capira subscriptions are processed through Apple App Store (iOS) or Google Play Store (Android), depending on the platform on which you purchased your subscription. By subscribing, you agree to the applicable payment platform's terms and billing policies. Capira does not directly handle or store your payment card information.

Automatic Renewal

Paid subscriptions automatically renew at the end of each monthly billing period. Your payment method on file with the App Store or Google Play will be charged at the then-current subscription rate unless you cancel at least 24 hours before the renewal date. You can manage auto-renewal in your device's subscription settings.

Price Changes

Capira reserves the right to change subscription prices. If we increase your plan's price, we will provide at least 30 days' notice before the change takes effect for existing subscribers. Your continued use of the Service after the price change constitutes your acceptance of the new price. If you do not agree to a price change, you may cancel your subscription before it takes effect.

Refund Policy

All subscription purchases and in-app purchases are handled by Apple or Google and are subject to their respective refund policies. Capira does not issue refunds directly. If you believe a charge was made in error, please contact Apple Support or Google Play Support. For any billing disputes not resolved through the platform, contact us at support@capirafinance.com.

Free Trials

Capira may offer free trial periods for paid plans from time to time. At the end of a free trial, your account will automatically convert to a paid subscription unless you cancel before the trial period ends. You will be notified of the trial terms and duration before activating a trial.

Taxes

Subscription prices are listed exclusive of any applicable taxes. Sales tax, VAT, or other applicable taxes may be added at checkout in accordance with the laws of your jurisdiction, as determined and collected by the applicable app store platform.

Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. The following actions are strictly prohibited:

Prohibited Conduct

• Using the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation
• Attempting to gain unauthorized access to any portion of the Service, its infrastructure, or the accounts of other users
• Transmitting any viruses, malware, ransomware, or other malicious code through the Service
• Using automated scripts, bots, scrapers, or data harvesting tools to access or extract data from the Service
• Attempting to reverse engineer, decompile, disassemble, or otherwise discover the source code or underlying algorithms of the Service
• Circumventing, disabling, or interfering with security features, access controls, or usage limits of the Service
• Submitting false, misleading, or fraudulent information to the Service, including fabricated financial data
• Impersonating any person or entity, or misrepresenting your affiliation with any person or entity
• Using the Service to harass, threaten, or harm any individual
• Using the Service in any manner that could disable, overburden, damage, or impair our infrastructure
• Reselling, sublicensing, or otherwise commercializing access to the Service without Capira's written consent
• Attempting to use the Service to launder money, commit fraud, or engage in any financial crime

Violation of these restrictions may result in immediate suspension or termination of your account, and may be reported to law enforcement authorities where appropriate. Capira reserves the right to investigate any suspected violations.

AI Disclaimer

Nature of AI-Generated Content

The Capira AI coach uses machine learning algorithms to analyze your financial data and generate personalized responses. While we work to ensure the quality and accuracy of these outputs, AI systems can make mistakes. AI-generated content may be:

• Based on incomplete, outdated, or misinterpreted data
• Incorrect, inaccurate, or not applicable to your specific circumstances
• Presented with a degree of confidence that does not reflect actual certainty
• Subject to errors, hallucinations, or unexpected outputs inherent to AI technology

No Human Review

AI-generated responses are not reviewed by licensed financial advisors, tax professionals, attorneys, or other qualified experts before being delivered to you. Capira employs no process of human review for individual AI responses in real time.

Your Responsibility

You are solely responsible for evaluating the accuracy, completeness, and suitability of any AI-generated content before acting on it. We strongly encourage you to verify any significant financial insight or recommendation with a qualified professional before making financial decisions.

Consult a Professional

For advice regarding investments, taxes, legal matters, insurance, retirement planning, or any significant financial decision, please consult a licensed and qualified professional such as a Certified Financial Planner (CFP), Certified Public Accountant (CPA), or licensed attorney.

Financial Information Disclaimer

Informational Purpose Only

All financial data, analytics, insights, projections, spending analyses, tax estimates, debt payoff models, net worth calculations, and other content provided through the Service are intended solely to help you organize and understand your personal financial information. They are:

• Based on data you provide or authorize us to access — the quality of insights depends on the accuracy and completeness of your connected data
• General in nature and not tailored to your complete financial, legal, or tax situation
• Not a substitute for personalized advice from a licensed professional who understands your full circumstances
• Not guaranteed to be accurate, complete, current, or free from error

Market Data and Projections

Any investment performance data, market benchmarks, wealth projections, or forecasting scenarios shown in the Service are illustrative and hypothetical. Past performance is not indicative of future results. Projections are based on assumptions that may not materialize.

Tax Information

Any tax estimates, deduction suggestions, or tax-related information provided by the Service are estimates only, based on general rules and the data available in your account. They do not account for your complete tax situation and should not be used as the basis for filing tax returns or making tax-related decisions without consulting a licensed tax professional.

Capira Accepts No Liability

Capira accepts no responsibility or liability for any financial losses, tax liabilities, legal consequences, or other damages arising from your reliance on information or insights provided through the Service. You use the Service and act on its information entirely at your own risk.

Third-Party Services

Plaid Integration

Capira uses Plaid Technologies, Inc. to enable you to securely connect your financial accounts. Your use of Plaid's connection services is subject to Plaid's End User Privacy Policy and terms. Capira is not responsible for Plaid's services, practices, or any data handling performed independently by Plaid.

By connecting a financial account through Plaid, you authorize Plaid to access and transmit your financial account data to Capira on your behalf. You may revoke this authorization at any time from within the Capira app or directly through Plaid's Consumer Portal at my.plaid.com.

App Stores

The Service is distributed through the Apple App Store and Google Play Store. Your download and use of the application is also subject to the terms of the applicable app store. In the event of a conflict between these Terms and the app store's terms, these Terms govern with respect to the Service itself; the app store's terms govern with respect to the distribution platform.

Other Third-Party Services

The Service may link to, integrate with, or display content from third-party websites, services, or applications. These third-party services are not under Capira's control. We are not responsible for the availability, accuracy, privacy practices, or content of any third-party service. Links or integrations do not imply Capira's endorsement.

Third-Party Terms

When you use a third-party service integrated with Capira, you are subject to that service's own terms and privacy policy in addition to these Terms. You are solely responsible for complying with those third-party terms.

Service Disruptions from Third Parties

Capira is not liable for any interruption, error, or unavailability of the Service caused by a third-party provider, including Plaid, Firebase, Apple, or Google. We will make reasonable efforts to notify you of significant third-party disruptions affecting the Service.

Intellectual Property

Capira's Intellectual Property

The Service and all of its content, features, and functionality — including but not limited to the application software, source code, algorithms, AI models, user interface designs, graphics, text, logos, trademarks, service marks, and all other materials — are owned by Capira or its licensors and are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws.

Limited License to You

Subject to your compliance with these Terms, Capira grants you a limited, non-exclusive, non-transferable, revocable, personal license to access and use the Service solely for your own personal, non-commercial financial management purposes. This license does not include:

• The right to copy, modify, distribute, sell, or sublicense any part of the Service
• The right to reverse engineer, decompile, or attempt to extract source code
• The right to create derivative works based on the Service
• The right to use Capira's name, logos, or trademarks without prior written consent
• Any commercial use of the Service or its content

Your Content

You retain ownership of any personal financial data and information you provide to the Service. By submitting content to the Service (including goals, notes, or messages to the AI coach), you grant Capira a limited, worldwide, royalty-free license to use, store, and process that content solely for the purpose of providing and improving the Service. This license terminates when you delete the content or close your account, subject to our data retention obligations.

Feedback

If you submit suggestions, ideas, or feedback about the Service, you grant Capira a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate that feedback into the Service without any obligation to compensate you or attribute the feedback to you.

Account Suspension or Termination

Termination by You

You may stop using the Service and delete your account at any time. Deleting your account will cancel any active paid subscription effective at the end of the current billing period. To delete your account, go to Settings → Account → Delete Account in the Capira app, or contact us at support@capirafinance.com.

Suspension or Termination by Capira

Capira reserves the right to suspend or terminate your account, with or without notice, if we reasonably believe that you have:

• Violated any provision of these Terms
• Provided false or misleading registration information
• Engaged in fraudulent, abusive, or illegal activity in connection with the Service
• Attempted to interfere with the security or integrity of the Service
• Failed to pay applicable subscription fees
• Posed a risk to the security or interests of Capira or other users

Where possible and appropriate, we will provide advance notice and an opportunity to remedy the violation before taking action. For serious violations, immediate suspension or termination may occur without prior notice.

Effects of Termination

Upon termination of your account for any reason:

• Your right to access and use the Service immediately ceases
• Your personal data will be handled in accordance with our Privacy Policy and applicable law
• Any accrued rights or obligations arising before termination will survive
• Sections of these Terms that by their nature should survive termination will do so, including Sections 8, 10, 12, 13, and 14

If your account is terminated for a violation of these Terms, you are not entitled to a refund of any prepaid subscription fees.

Appeals

If you believe your account was suspended or terminated in error, you may appeal by contacting us at support@capirafinance.com within 30 days of the action. We will review the matter and respond within 10 business days.

Limitation of Liability

To the fullest extent permitted by applicable law, Capira, its officers, directors, employees, agents, affiliates, licensors, and service providers shall not be liable for any:

• Indirect, incidental, or consequential damages — including lost profits, lost data, loss of goodwill, or financial losses
• Punitive or exemplary damages of any kind
• Damages arising from your reliance on AI-generated content, financial insights, projections, or recommendations
• Damages resulting from unauthorized access to your account or financial data by third parties
• Damages caused by any interruption, suspension, or termination of the Service
• Damages arising from errors, inaccuracies, or omissions in financial data synced from third-party institutions via Plaid
• Any other indirect or consequential damages, even if Capira has been advised of the possibility of such damages

In any event, Capira's total cumulative liability to you for all claims arising out of or relating to the Service or these Terms shall not exceed the greater of: (a) the total amount you paid to Capira in the twelve (12) months immediately preceding the claim, or (b) one hundred US dollars ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages. If you are in such a jurisdiction, the above limitations may not fully apply to you, and your rights may be different.

Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis, without any warranty of any kind, express or implied. To the fullest extent permitted by applicable law, Capira expressly disclaims all warranties, including but not limited to:

• Any implied warranty of merchantability, fitness for a particular purpose, or non-infringement
• Any warranty that the Service will be uninterrupted, error-free, or secure
• Any warranty as to the accuracy, reliability, completeness, or timeliness of any financial data, AI-generated insights, or other content
• Any warranty that the Service will meet your specific requirements or expectations
• Any warranty that defects will be corrected, or that the Service or its servers are free of viruses or other harmful components

Financial data synced from your connected accounts is provided by third parties (including Plaid and your financial institutions). Capira does not warrant the accuracy, completeness, or timeliness of data provided by third parties.

Some jurisdictions do not allow the exclusion of implied warranties. If you are in such a jurisdiction, some of the above disclaimers may not apply to you.

Governing Law

Applicable Law

These Terms and any dispute arising out of or relating to them or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Dispute Resolution

Before initiating formal legal proceedings, you agree to first contact Capira at support@capirafinance.com and attempt to resolve the dispute informally. We will make reasonable efforts to resolve disputes through direct communication within 30 days of receiving written notice.

Binding Arbitration

If informal resolution fails, any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be settled by binding individual arbitration administered in accordance with the rules of the American Arbitration Association (AAA). The arbitration will be conducted remotely via video conference or written submissions, unless both parties agree otherwise. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver

You and Capira each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration. If for any reason this waiver is unenforceable, the entire arbitration provision shall be null and void.

Exceptions

Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm pending arbitration. Claims related to the infringement or misappropriation of intellectual property rights may also be brought in court without first going through arbitration.

Users Outside the United States

If you are accessing the Service from outside the United States, you do so on your own initiative and are responsible for compliance with your local laws. To the extent local law conflicts with these Terms, applicable mandatory local law provisions may apply.

Contact Information

If you have questions about these Terms, need to report a violation, or want to exercise any rights described herein, please contact us. We aim to respond to all inquiries within 5 business days.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Capira with respect to the Service and supersede all prior agreements, representations, and understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Capira's failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.