Terms of Service

1. Acceptance of Terms

By accessing or using Reed Financial Lab, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the platform.

2. Description of Service

Reed Financial Lab provides financial coaching, education, budgeting and debt tools, goal tracking, and account aggregation features. The platform is intended to support your personal financial decision-making through education and accountability.

3. Coaching and Education — Not Advice

Reed Financial Lab offers general financial education and coaching. We do not provide individualized investment, tax, accounting, or legal advice. Our content and tools are informational only and do not constitute a recommendation to buy, sell, or hold any security or financial product. You should consult a licensed professional for advice specific to your situation.

4. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract to use the platform. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

5. Financial Data Integration

When you link external accounts via Plaid, you authorize us and Plaid to access your financial data as described in our Privacy Policy. You are responsible for the accuracy of any information you enter manually.

6. Fees

Some plans and services may require payment. Fees, if any, are described on our Services & Plans page. You agree to pay any fees you authorize.

7. User Conduct

You agree not to:

• •Misrepresent your identity or financial information.
• •Use the platform for any unlawful or fraudulent purpose.
• •Attempt to disrupt, reverse engineer, or compromise platform security.
• •Share your account access with others without authorization.

8. Intellectual Property

The platform, including its content, branding, and software, is owned by [LLC Name] and its licensors. Your financial data remains yours. We grant you a limited, non-exclusive license to use the platform for personal, non-commercial use.

9. Disclaimers

The platform is provided "as is" and "as available" without warranties of any kind. We do not guarantee that financial data is accurate, complete, or current, or that the platform will be uninterrupted or error-free.

10. Limitation of Liability

To the fullest extent permitted by law, [LLC Name] and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform, including any decisions made based on its content or tools.

11. Indemnification

You agree to indemnify and hold [LLC Name] harmless from claims arising from your use of the platform or your violation of these Terms.

12. Termination

You may close your account at any time. We may suspend or terminate access if you violate these Terms or for any business reason, with notice where appropriate.

13. Governing Law

These Terms are governed by the laws of the applicable jurisdiction, without regard to conflict-of-law principles. Disputes will be resolved in the courts of that jurisdiction unless otherwise required.

14. Changes to These Terms

We may revise these Terms from time to time. Continued use of the platform after changes constitutes acceptance of the updated Terms.

15. Contact

Questions about these Terms can be sent through our Contact page.