Terms of service

Who provides Centsible

Not filled in yet. the legal entity that provides Centsible and the jurisdiction it is formed in. Nothing in this repository states whether Centsible is operated by an individual or by a company, and a terms document may not guess at the identity of the party a user is contracting with.

What Centsible is

Centsible reads your financial accounts, shows what is there, checks that what it shows adds up, and points out things worth your attention. It is a reporting and analysis tool.

What Centsible is not

Centsible is NOT financial, investment, tax or legal advice. It is not a bank, a broker, an adviser or a money transmitter.

Centsible cannot move money. It has no ability to make a payment, a transfer or a trade, and it never asks for the credentials that would allow one.

Suggested actions are prompts to think, not instructions to follow. Decisions about your money remain yours.

Accuracy

The data comes from your banks through Plaid. It can be late, incomplete or wrong, and Centsible cannot correct what it is not sent.

Centsible checks its own completeness — comparing balance movements against the transactions that should explain them — and tells you when the two disagree. That check is a signal, not a guarantee.

Your bank's own records are authoritative. Where Centsible and your bank disagree, your bank is right.

Your account

You are responsible for keeping your sign-in details secure, and for the accuracy of anything you enter yourself.

One account is for one person. Do not connect accounts you are not entitled to access.

Closed beta

Centsible is in closed beta. Accounts are created by invitation only, the number of testers is capped, and each tester connects one financial institution while the product is being validated.

Nothing is charged. There is no subscription, no payment method is collected, and no plan can be purchased. If that changes, prices will be published and agreed before anything is billed.

Beta software may lose data, be interrupted, or be withdrawn. Do not rely on Centsible as your only record of anything.

Availability

Centsible is provided as is, without warranty. There is no uptime commitment. Bank connections break for reasons outside its control and may need reconnecting.

A connection that needs re-authentication is repaired in place. Centsible does not disconnect and recreate a connection on your behalf.

Ending it

You may delete your account at any time from Settings. Doing so revokes every bank connection and deletes your data.

Access may be suspended for misuse or where continuing would be unlawful.

Liability

To the extent the law allows, Centsible is not liable for financial loss arising from reliance on what it displays. Verify anything that matters against your bank before acting on it.

Governing law

Not filled in yet. governing law and the forum for disputes. This depends on the provider entity above, which is not established, so no jurisdiction is asserted here.

Changes

These terms are versioned. A material change produces a new version, and you will be asked to accept it. Your acceptance is recorded against the specific version you agreed to.