Terms of Service

Plain English version. If anything is confusing, email [email protected].

What Effortless is

Effortless is a personal finance tracking app in early access, built by a small team. It is provided as-is while we continue building it. Features may change, improve, or occasionally break.

Your account

• You must be 18 or older to use Effortless.
• You are responsible for keeping your credentials secure. Enable MFA — we support TOTP authenticator apps.
• One account per person. Don't share your account.

What you can do

Use Effortless for your own personal finance tracking. Connect your own accounts. That's what it's for.

What you can't do

• Use Effortless to connect accounts you don't own or have explicit permission to access.
• Attempt to reverse engineer, scrape, or abuse the API.
• Use the service for anything illegal.

Our access to your data

We access your data only to provide the service — displaying transactions, generating analytics, running budget calculations. We do not sell or share your data. See the Privacy Policy for details.

Service availability

We're an early-stage startup. We aim for high availability but cannot guarantee uninterrupted service. We'll do our best to communicate planned downtime in advance.

No financial advice

Effortless is a tool, not a financial advisor. Nothing in the app constitutes financial, investment, or legal advice. Make your own informed decisions.

Limitation of liability

To the extent permitted by law, Effortless is provided "as is" without warranties of any kind. We are not liable for decisions made based on information shown in the app.

Account termination

You can delete your account at any time by contacting us. We can suspend or terminate accounts that violate these terms. If we ever shut the service down, we'll give at least 30 days notice.

Changes

We may update these terms. If we make significant changes, we'll notify active users by email before they take effect.

Contact

Questions? [email protected]