Terms of Service

1. Agreement to these terms

These Terms of Service (“Terms”) govern your access to and use of the Superbasic Finance website, applications, and services (the “Service”), provided by Superbasic Finance, a service operated by Superbasic Finance (“Superbasic Finance,” “we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for personal, non-commercial use by residents of the United States and currently supports U.S. financial institutions. By using the Service, you represent that you meet these requirements.

3. What Superbasic Finance is — and is not

Superbasic Finance is a personal finance tool that helps you view, organize, and annotate your own financial information. It is provided for informational and personal money-management purposes only.

4. Your account

To use most features you must create an account. You agree to provide accurate information, to keep your credentials confidential, and to be responsible for all activity under your account. Notify us promptly at support@superbasicfinance.com if you suspect unauthorized use. We may require you to verify your email address to access certain features, such as connecting a bank.

5. Connecting financial accounts

The Service lets you connect financial institutions through our data provider, Plaid. By connecting an account, you authorize us and Plaid to access and retrieve information from that institution on your behalf, and you represent that you are the authorized holder of the accounts you connect. Your use of Plaid is also subject to Plaid’s terms and privacy policy. See our Plaid & Data Connection Policy for details. We are not responsible for the availability, accuracy, or actions of any financial institution or of Plaid.

6. Subscriptions and billing

Some features require a paid subscription billed per connected bank. By subscribing, you authorize recurring charges through our payment processor, Stripe. All subscription details — including pricing, slots, renewals, proration, and cancellation — are described in our Subscription & Billing Terms, which are part of these Terms.

7. Your content

You retain all rights to the information and content you add to the Service, including manual entries, notes, and organizational data (“Your Content”). You grant us a limited, non-exclusive license to host, store, process, and display Your Content solely to operate and provide the Service to you and the people you share workspaces with. You are responsible for Your Content and for having the rights to provide it.

8. Acceptable use

You agree to use the Service only for lawful purposes and in accordance with our Acceptable Use Policy, which is incorporated into these Terms. Among other things, you may not misuse, disrupt, reverse engineer, or attempt to gain unauthorized access to the Service.

9. Intellectual property

The Service, including its software, design, text, and branding (but excluding Your Content and third-party materials), is owned by Superbasic Finance and protected by intellectual property laws. We grant you a limited, revocable, non-transferable license to use the Service for its intended purpose. You may not copy, modify, distribute, sell, or create derivative works from any part of the Service except as expressly permitted.

10. Third-party services

The Service integrates with third parties such as Plaid, Stripe, and authentication providers. Your use of those services may be subject to their own terms and policies. We are not responsible for third-party services and disclaim liability for their acts or omissions.

11. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that financial data displayed will always be accurate, complete, or up to date. Account and transaction data is provided by third parties and may be delayed or incorrect. You should verify important information with your financial institution.

12. Limitation of liability

To the maximum extent permitted by law, Superbasic Finance and its operators, officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Service. To the maximum extent permitted by law, our total liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Superbasic Finance and its operators from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, Your Content, your violation of these Terms, or your violation of any law or the rights of a third party.

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, if required by law, or to protect the Service or other users. Upon termination, your right to use the Service ends. Sections that by their nature should survive termination — such as content ownership, disclaimers, limitation of liability, and indemnification — will survive.

15. Changes to the Service and these Terms

We may modify or discontinue features of the Service at any time. We may also update these Terms; when we make material changes, we will update the “Last updated” date and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Governing law and disputes

These Terms are governed by the laws of State of California, USA, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Service will be resolved in the courts located in that jurisdiction, and you consent to their personal jurisdiction, except where applicable law gives you the right to bring a claim elsewhere.

17. General

These Terms, together with the policies referenced in them, are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

18. Contact

Questions about these Terms? Email support@superbasicfinance.com or visit Contact & Support.