Overview
These Terms of Service ("Terms") govern your use of OssFin ("Service"), operated by OssFin LLC ("we," "our," or "us"). By accessing or using OssFin, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 18 years old and a resident of the United States to use OssFin. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.
2. Your Account
You are responsible for maintaining the confidentiality of your account and for all activity that occurs under it. You agree to notify us immediately at evan@ossfin.com of any unauthorized use of your account.
We reserve the right to suspend or terminate accounts that violate these Terms or that we determine, in our sole discretion, are being used fraudulently or harmfully.
3. Subscriptions and Billing
OssFin offers a free tier and paid subscription plans. Paid plans are billed on a monthly or annual basis through Stripe, our payment processor.
- Auto-renewal: Subscriptions automatically renew at the end of each billing period unless cancelled.
- Cancellation: You may cancel your subscription at any time from Settings → Billing. Cancellation takes effect at the end of the current billing period — you retain access until then.
- Refunds: We do not offer refunds for partial billing periods. If you believe you were charged in error, contact us within 30 days at evan@ossfin.com.
- Price changes: We may change subscription prices with at least 30 days' notice before the change takes effect for existing subscribers.
- Free tier limits: The free tier includes limited document uploads and core features. Limits are described on the pricing page and enforced at the account level.
Payment processing is handled by Stripe, Inc. Your payment information is transmitted directly to Stripe and is never stored by OssFin.
4. Financial Data and Plaid
OssFin uses Plaid Technologies, Inc. to connect to your financial institutions. By connecting an account, you authorize OssFin to access the financial information you specify through Plaid, and you agree to Plaid's End User Privacy Policy.
You may disconnect any financial institution at any time from within the app. Disconnecting removes our access to future data, but does not delete the historical data we already retrieved — specifically, the account balances and transaction history that were synced before you disconnected, which remain in your account so your dashboard and history stay intact. To permanently delete all stored data, use the account deletion feature in Settings (all data is removed within 24 hours).
5. AI Document Analysis
OssFin offers an AI-powered document analysis feature that reads financial statements (bank statements, investment statements, credit card statements) and extracts account balances and transaction data. This feature is powered by Anthropic's Claude AI.
- Documents you upload are transmitted to Anthropic's API solely to produce your result. Anthropic does not use this content to train its models and retains it only transiently in accordance with its API terms.
- Extracted data is stored in your OssFin account and used to populate your dashboard.
- AI extraction may not be 100% accurate. You are responsible for verifying that extracted data reflects your actual financial information.
- Document upload limits apply per account based on your subscription plan.
6. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose or in violation of any applicable laws
- Attempt to gain unauthorized access to our systems or other users' accounts
- Reverse engineer, decompile, or disassemble any part of the Service
- Use automated tools to scrape, crawl, or extract data from the Service
- Transmit malware, viruses, or any code of a destructive nature
- Impersonate any person or entity or misrepresent your affiliation with any person or entity
- Upload documents containing other people's financial information without their explicit consent
7. Not Financial Advice
OssFin is a personal finance management tool. All content, calculations, projections, insights, and recommendations within the app — including the Tax Engine estimates, retirement forecasts, debt payoff projections, and AI-generated insights — are for informational purposes only and do not constitute professional financial, investment, tax, or legal advice.
Tax estimates are approximations based on the information you provide and may not account for all deductions, credits, or local taxes. Always consult a qualified tax professional before filing. Financial projections are based on assumptions and historical data — past performance does not guarantee future results.
8. Intellectual Property
The OssFin application, including its design, code, trademarks, and content (excluding your personal financial data), is owned by OssFin LLC and protected by applicable intellectual property laws.
Your financial data remains yours. We claim no ownership over the personal or financial information you provide to or retrieve through OssFin.
Feedback. If you send us feedback, suggestions, feature requests, or bug reports, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use, incorporate, and commercialize that feedback in the Service without any obligation to compensate you or to keep it confidential.
9. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted or error-free, that financial data retrieved through Plaid will be accurate or current, or that AI-extracted document data will be complete or free of errors. Financial institutions may delay or restrict data access at any time.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OSSFIN LLC AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.
Our total liability to you for any claim arising from use of the Service shall not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim or (b) $100 USD.
11. Indemnification
You agree to indemnify and hold harmless OssFin LLC and its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the Service, your violation of these Terms, or your violation of any third party's rights.
12. Termination
You may stop using the Service and delete your account at any time from Settings → Delete account. Upon deletion, all your stored data will be permanently removed within 24 hours.
We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. If we terminate a paid subscription without cause (that is, other than for your violation of these Terms or your fraudulent, harmful, or unlawful use of the Service), we will provide a prorated refund of any prepaid fees covering the unused portion of your then-current billing period.
Sections 7 (Not Financial Advice), 8 (Intellectual Property), 9 (Disclaimer of Warranties), 10 (Limitation of Liability), 11 (Indemnification), 14 (Dispute Resolution), and 15 (General) survive termination.
13. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Florida, and you consent to personal jurisdiction in those courts.
14. Dispute Resolution; Binding Arbitration; Class Action Waiver
Informal resolution first. Before starting an arbitration, you agree to email us at evan@ossfin.com with a description of your dispute so we can try to resolve it informally. If we cannot resolve it within 30 days, either party may begin arbitration.
Binding arbitration. Except for the exceptions below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted in English, and judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver. You and OssFin agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding.
Exceptions. Either party may bring an individual claim in small claims court if it qualifies. Nothing in this section prevents either party from seeking injunctive or equitable relief in court to protect its intellectual property rights.
30-day opt-out. You may opt out of this arbitration and class-action-waiver section within 30 days of first accepting these Terms — either by using the opt-out control in your account settings (Settings → Legal & Disclosures), or by emailing evan@ossfin.com with the subject line "Arbitration Opt-Out." Opting out will not affect any other part of these Terms.
This section survives termination of your account and these Terms.
15. General
Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and OssFin regarding the Service and supersede any prior or contemporaneous agreements, representations, or understandings, whether written or oral.
Assignment. You may not assign or transfer your account or these Terms, in whole or in part, without our prior written consent. We may assign these Terms and our rights and obligations without restriction and without notice, including to a successor in connection with a merger, acquisition, financing, reorganization, or sale of assets.
Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
No waiver. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. Any waiver must be in writing to be effective.
Force majeure. We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental action, network or internet failures, or the failure or interruption of third-party services we rely on (such as Plaid, Stripe, Anthropic, Railway, or Vercel).
Relationship of the parties. These Terms do not create any partnership, joint venture, employment, agency, or fiduciary relationship between you and OssFin.
Electronic communications. You consent to receive communications from us electronically (by email or in-app notice), and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.
Export controls. You represent that you are not located in, and will not use the Service from, a country subject to a U.S. Government embargo, and that you are not on any U.S. Government restricted-party or denied-persons list.
Cooperation with authorities. We may access, preserve, and disclose your information if required to do so by law or if we reasonably believe it necessary to comply with legal process, enforce these Terms, or protect the rights, property, or safety of OssFin, our users, or the public. See our Privacy Policy for details.
16. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by email or in-app notification at least 7 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.
17. Contact
Questions about these Terms should be directed to:
- Email: evan@ossfin.com
- Company: OssFin LLC, Florida
- Website: ossfin.com