COPIA CASH, INC. – Terms of Service

Last updated: November 24, 2025

These Terms of Service ("Terms") govern your access to and use of the websites, applications, and services provided by Copia Cash, Inc. ("Copia," "we," "us," or "our"), including any related tools, features, and content (collectively, the "Service").

By creating an account, connecting a financial institution, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

You should also review our Privacy Policy, which explains how we collect, use, and protect your information. Our Privacy Policy is incorporated into these Terms by reference.

1. Eligibility and user obligations

1.1 Minimum age

You must be at least 18 years old to use the Service. The Service is not directed to and may not be used by individuals under 18. By creating an account, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If we discover that you have provided false information about your age or that you are under 18, we may immediately terminate your account and delete your information.

1.2 Account registration

To use the Service, you must create an account and provide accurate, complete information. You agree to keep your information up to date.

1.3 Account security

You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You agree to notify us promptly of any unauthorized access or suspected breach of security.

1.4 Use for personal purposes

Unless we expressly agree otherwise in writing, the Service is provided for your own personal or household financial management and not for use as a service bureau or for providing services to third parties.

2. Description of the Service (non-advisory)

2.1 Budgeting and analytics

Copia provides tools to connect your financial accounts, import transaction data, categorize spending, track budgets, monitor balances, view insights, charts, and reports, manage recurring transactions and subscriptions, create rule-based automation for transaction categorization, and access gamification features such as achievements, streaks, and progress tracking.

2.2 AI-powered features

Copia may offer optional AI-powered features (for example, an AI budgeting assistant or explanation of trends) that use large language models to generate responses based on your data and prompts.

2.3 Beta and early access features

We may offer certain features, services, or functionality on a beta, early access, or experimental basis ("Beta Features"). Beta Features may be unstable, contain errors, or have limited functionality. We may modify or discontinue Beta Features at any time without notice. Your use of Beta Features is at your own risk, and we encourage you to provide feedback to help us improve these features.

2.4 Mobile applications

The Service may be available through mobile applications for iOS and Android devices. Your use of mobile applications is subject to these Terms and the terms and conditions of the applicable app store (Apple App Store, Google Play Store, etc.). We are not responsible for the app stores' policies, practices, or any issues related to app store transactions or downloads.

2.5 No financial, investment, tax, or legal advice

Copia is not a bank, financial institution, investment adviser, broker-dealer, financial planner, tax adviser, or legal adviser. The Service and any AI-generated content are provided for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice, recommendations, or solicitation.

You are solely responsible for any decisions you make based on the Service, and you should consult qualified professionals before making financial or legal decisions.

3. Third-party services and data sources

3.1 Plaid and other financial data aggregators

To connect your bank or other financial accounts, we primarily use Plaid Inc. ("Plaid"). We may also use or integrate with other financial data aggregation services (such as MX, Finicity, Yodlee, or similar providers) to connect your accounts. When you choose to link an account, you authorize the applicable aggregator to act on your behalf to access and transmit your financial data from your financial institution to us. We do not receive or store your financial institution login credentials.

Your use of account connection features is also subject to the terms and privacy policies of the applicable aggregator, including Plaid's terms and privacy policy.

3.2 Stripe (payments)

We use Stripe to process payments for subscriptions or other paid features. When you provide a payment method, you authorize us and Stripe to charge that method for applicable fees. Your use of payment processing is also subject to Stripe's legal terms, including the Stripe Services Agreement.

3.3 Clerk (authentication and user management)

We use Clerk to help manage authentication and user accounts. Clerk processes certain personal data on our behalf in order to provide secure login and related features. Your use of the Service is also subject to Clerk's legal terms and privacy practices.

3.4 Hosting and infrastructure (AWS, RDS, Vercel)

We host our APIs and backend infrastructure on Amazon Web Services (AWS), including encrypted databases using Amazon RDS, and host our web client on Vercel. These providers act as our processors and sub-processors for storage and delivery of the Service.

3.5 Gemini API (AI model provider)

Our AI features rely on Google's Gemini API. By using AI features, you understand that:

Certain prompts and contextual data will be sent to Google to generate responses.
We use paid Gemini API services designed so that prompts and outputs are not used by Google to train or improve their generalized models, subject to Google's current terms.
Your use of AI features is also subject to the Gemini API terms and related Google terms.

3.6 Sentry (error tracking and monitoring)

We use Sentry to collect error logs, performance traces, and diagnostic information to help us identify, debug, and resolve technical issues. Sentry may collect information about errors, crashes, and performance metrics related to your use of the Service. Your use of the Service is also subject to Sentry's privacy policy.

3.7 No responsibility for third-party services

We do not control third-party services and are not responsible for their content, policies, or practices. We are not responsible for any service interruptions, data inaccuracies, or security incidents that originate from third-party services. Your use of any third-party service is at your own risk and subject to that provider's terms.

4. Connecting financial accounts and use of financial data

4.1 Your authorization

By connecting a financial account, you authorize:

Plaid to access, transmit, and share your financial data with us; and
Us to receive, store, and use that data to provide the Service, including syncing transactions, calculating balances, generating budgets, and powering AI-based insights.

4.2 Accuracy of financial data

Financial data presented in the Service depends on your financial institutions and Plaid. We do not guarantee the accuracy, completeness, or timeliness of any imported data. You should verify all financial data with your financial institution before making financial decisions. We are not responsible for errors in data provided by third parties (including Plaid or your financial institutions) that may result in financial harm.

4.3 Disconnecting accounts

You may disconnect a financial institution at any time within the app. This will stop new data from being imported. Existing data may continue to be stored and used as described in our Privacy Policy unless and until you delete your account or request deletion.

4.4 Data export and portability

You have the right to export your personal data from the Service. You may request a copy of your personal information (including account information, transaction data, budgets, and other data you have provided or that we have collected about you) in a structured, machine-readable format by contacting us at support@copiacash.com. We will provide your personal data within a reasonable timeframe, typically within 30 days of your request, subject to verification of your identity. This right does not extend to our internal systems data, proprietary algorithms, or other information that is not your personal information.

5. Subscriptions, fees, and billing

5.1 Plans and pricing

We may offer free and paid plans, as described in the Service or on our website. We may change our plans and pricing from time to time. Changes to pricing will apply to new subscriptions and renewals of existing subscriptions. If you have an active subscription, your current pricing will remain in effect until the end of your current billing period. We will provide at least 30 days' notice before any price increase takes effect for your renewal, and you may cancel before the renewal date if you do not agree to the new pricing.

5.2 Billing

If you subscribe to a paid plan, you authorize us and our payment processor (Stripe) to automatically charge your selected payment method on a recurring basis (e.g., monthly or annually) for the applicable fees, until you cancel.

5.3 Trials and promotions

We may offer free trials or promotional pricing. We reserve the right to modify or discontinue such offers at any time. If you do not cancel before the end of a trial period, your subscription will automatically convert to a paid plan and we will begin charging your selected payment method for the applicable fees. You may cancel your subscription at any time before the trial ends to avoid being charged. You can cancel through your account settings or by contacting us at support@copiacash.com.

5.4 Refunds

Unless otherwise stated in the Service or required by law, all fees are nonrefundable. However, we may provide refunds in the following circumstances:

Service failures: If the Service is unavailable or materially non-functional for an extended period (more than 48 consecutive hours) due to our error, you may be eligible for a prorated refund for the affected period.
Annual plan cancellations: If you cancel an annual subscription within 30 days of purchase, you may be eligible for a prorated refund for the unused portion, subject to our discretion and applicable law.
Billing errors: If we make an error in billing, we will correct it and, if applicable, provide a refund for any overcharges.

All refund requests must be submitted to support@copiacash.com within 30 days of the charge. Refunds, if approved, will be processed to the original payment method within 10-14 business days. We reserve the right to refuse refunds in cases of abuse, fraud, or violation of these Terms.

5.5 Taxes

You are responsible for all taxes, levies, and duties related to your subscription, other than taxes based on our net income. All fees are stated in U.S. dollars unless otherwise specified. If you are located outside the United States, you are responsible for any currency conversion fees, international transaction fees, or taxes imposed by your jurisdiction.

5.6 U.S. users only

The Service is designed for users in the United States. We make no representation that the Service is appropriate or available for use outside the United States. You acknowledge that financial data aggregation services may have limited availability, and we are not responsible for such limitations.

6. Acceptable use and restrictions

You agree that you will not, and will not permit others to:

Use the Service for any unlawful, harmful, fraudulent, or abusive purpose.
Attempt to gain unauthorized access to the Service or other users' data.
Reverse engineer, decompile, or attempt to derive source code from the Service, except to the extent such restrictions are prohibited by law.
Circumvent any technical or usage limits of the Service.
Use the Service to transmit spam, malware, or other harmful content.
Use AI features to generate or request content that is illegal, defamatory, discriminatory, or that violates the rights of others.
Use the Service in a way that violates any applicable law, regulation, or obligations to third parties (including your financial institutions).

We may suspend or terminate your access if we reasonably believe you have violated these Terms or pose a risk to the Service or other users.

7. Ownership and licenses

7.1 Our rights

All rights, title, and interest in and to the Service, including software, interfaces, designs, text, graphics, logos, and other content, are owned by Copia or our licensors and are protected by intellectual property and other laws.

7.2 Your license to use the Service

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, lawful use.

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use that Feedback for any purpose without restriction or obligation to you.

7.4 Aggregated and anonymized data

Notwithstanding anything to the contrary, we retain the right to create, use, and disclose aggregated, anonymized, or de-identified data derived from your use of the Service for any purpose, including analytics, product improvement, and business intelligence. Such data will not identify you or any individual user.

8. User content

8.1 Your content

You may upload or provide information, text, or other content to the Service in addition to financial data ("User Content"). For purposes of this Section, "User Content" does not include your financial transaction data, account balances, or other financial information imported from financial institutions, which is governed by Section 4 and our Privacy Policy. You retain ownership of your User Content, subject to the rights you grant us in this Section.

8.2 License to Copia

You grant Copia a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, distribute, display, and perform your User Content as reasonably necessary to operate, improve, and provide the Service (including AI-based features), and as otherwise described in our Privacy Policy.

8.3 Responsibility for User Content

You are responsible for your User Content and for ensuring that it does not violate law or infringe the rights of others.

9. AI features and limitations

9.1 AI-generated content may be inaccurate

AI-generated outputs (including explanations, summaries, forecasts, or recommendations) may be incomplete, incorrect, or misleading. AI-generated outputs are probabilistic and may contain errors, hallucinations, or outdated information. You should not rely solely on AI content for financial, legal, or other important decisions. You should independently verify any AI-generated financial information before making decisions. We are not liable for financial decisions made based on AI outputs.

9.2 No sensitive credentials in prompts

You agree not to include banking usernames/passwords, full card numbers, government IDs, or other highly sensitive personal identifiers in prompts or free-text inputs to AI features.

9.3 Use at your own risk

You use AI features at your own risk, and AI outputs are provided "as is" and subject to the disclaimers and limitations of liability in these Terms.

10. Privacy

Our collection and use of personal data in connection with the Service is described in our Privacy Policy, which is incorporated into these Terms. By using the Service, you consent to our collection and use of data as described there.

11. Service changes and availability

We may modify, suspend, or discontinue any part of the Service at any time, including adding or removing features, with or without notice (except where notice is required by law). We do not guarantee that the Service will be available at all times or free of errors, interruptions, or delays.

11.1 Planned maintenance

We may perform scheduled maintenance that may temporarily interrupt access to the Service. We will make reasonable efforts to provide advance notice of scheduled maintenance when possible, but we are not obligated to do so.

11.2 Service outages

In the event of unplanned service outages or interruptions, we will work to restore service as quickly as possible. However, we are not liable for any indirect or consequential damages resulting from service interruptions, including but not limited to loss of data, missed transactions, or inability to access your financial information, except where prohibited by law or where such interruption results from our gross negligence or willful misconduct.

11.3 Data backup

While we maintain backup systems and data redundancy measures, you are responsible for maintaining your own backups of important financial data. We recommend exporting your data periodically as described in Section 4.4.

12. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE (INCLUDING ALL CONTENT, DATA, AI OUTPUTS, AND FEATURES) IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

WITHOUT LIMITING THE FOREGOING, COPIA EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT:

THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE;
DATA IMPORTED FROM FINANCIAL INSTITUTIONS OR THIRD PARTIES WILL BE ACCURATE, COMPLETE, OR CURRENT; OR
AI-GENERATED OUTPUTS WILL BE CORRECT, RELIABLE, OR SUITABLE FOR ANY PARTICULAR PURPOSE.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

13.1 Exclusion of certain damages

COPIA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 Cap on liability

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO COPIA FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE THOUSAND U.S. DOLLARS (US $1,000). NOTWITHSTANDING THE FOREGOING, THIS LIMITATION SHALL NOT APPLY TO CLAIMS ARISING FROM GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD.

13.3 Basis of the bargain

You acknowledge that the limitations in this Section are a fundamental allocation of risk between you and Copia and that we would not provide the Service without these limitations.

Some jurisdictions do not allow certain disclaimers or limitations, so some of the above may not apply to you.

14. Indemnification

You agree to indemnify, defend, and hold harmless Copia and our officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (1) your violation of these Terms; (2) your User Content; (3) your misuse of the Service; or (4) your violation of any rights of another person or entity. This indemnification obligation will not apply to the extent that the claim arises from our gross negligence or willful misconduct.

15. Term, suspension, and termination

15.1 Term

These Terms remain in effect while you use the Service.

15.2 Your right to stop using the Service

You may stop using the Service at any time, and you may request deletion of your account as described in our Privacy Policy.

15.3 Our right to suspend or terminate

We may suspend or terminate your access to the Service (or any part of it) at any time, with or without notice, if we reasonably believe that: (1) you have violated these Terms; (2) you pose a risk to the Service or other users; (3) you have engaged in fraudulent, illegal, or abusive activity; (4) you have failed to pay applicable fees; (5) your account has been inactive for an extended period (12 months or more); or (6) we are required to do so by law, regulation, or court order.

Before terminating your account for a violation of these Terms (other than fraud, illegal activity, or security threats), we may provide you with notice and an opportunity to cure the violation within a reasonable period (typically 7-14 days), unless immediate termination is necessary to protect the Service or other users.

15.4 Effect of termination

Upon termination:

Your right to use the Service ends immediately.
We may delete or deactivate your account and associated data in accordance with our Privacy Policy and applicable law.
You may request deletion of your account and data as described in our Privacy Policy. We will delete or irreversibly de-identify personal information within 30 days of your request, except where we must retain some records for legal, tax, or regulatory purposes (such as financial records required to be kept for up to 7 years under applicable tax law).
You will not receive any refund for fees already paid, except as provided in Section 5.4.

15.5 Survival

The following sections will survive termination of these Terms: Sections 7 (Ownership and licenses), 8 (User content), 12 (Disclaimers), 13 (Limitation of liability), 14 (Indemnification), 16 (Governing law and dispute resolution), and 18 (Miscellaneous).

16. Governing law and dispute resolution

16.1 Informal dispute resolution

Before filing a claim against Copia, you agree to try to resolve the dispute informally by contacting us at support@copiacash.com with a description of your claim. We will try to resolve the dispute informally within 60 days of receiving your notice. If we cannot resolve the dispute within 60 days, you may then proceed with formal dispute resolution as described below.

16.2 Binding arbitration

Most disputes can be resolved without going to court. You and Copia agree to resolve any disputes arising out of or relating to these Terms or the Service through final and binding arbitration, except as set forth below.

Exceptions to arbitration: The following disputes are not subject to arbitration: (1) disputes seeking injunctive relief or other equitable relief for alleged intellectual property infringement or misuse; (2) disputes in small claims court; and (3) disputes that cannot be arbitrated under applicable law.

Arbitration rules: The arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, or as otherwise mutually agreed. The arbitration will be conducted in Cook County, Illinois, unless you and we agree otherwise.

Class action waiver: You and Copia agree that disputes will be resolved only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, you and Copia each waive any right to a jury trial.

Time limit: You must bring any claim against Copia within the time period permitted by applicable law, but in no event later than two (2) years from the event giving rise to the claim, except where a shorter period is required by law.

16.3 Governing law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict of laws principles.

16.4 Venue for exceptions

If Section 16.2 does not apply, or if you opt out of arbitration as provided below, you and Copia agree that any disputes arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to the personal jurisdiction of those courts.

16.5 Opt-out of arbitration

You may opt out of the arbitration agreement in Section 16.2 by sending us written notice within 30 days of: (1) the date you first create an account; or (2) the date you first use the Service, whichever is earlier. Your opt-out notice must be sent to support@copiacash.com with the subject line "Arbitration Opt-Out" and must include your name, email address, and a clear statement that you wish to opt out of arbitration.

17. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and, where appropriate, provide additional notice (such as in-app notifications or email).

What constitutes a material change: For purposes of these Terms, a "material change" includes, but is not limited to: (1) changes to pricing or billing terms; (2) changes that reduce your rights or increase your obligations; (3) changes to dispute resolution procedures; (4) changes to data handling or privacy practices that materially affect your rights; or (5) changes that add new restrictions on your use of the Service.

Notice of material changes: For material changes, we will provide notice at least 30 days before the changes take effect, unless a shorter notice period is required by law or necessary to address security, legal, or operational issues.

Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the changes, you must stop using the Service and may terminate your account as described in Section 15.2.

18. Miscellaneous

Entire agreement. These Terms, together with our Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the entire agreement between you and Copia regarding the Service.
Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be replaced with a valid provision that comes closest to the intent of the original provision.
No waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Copia.
Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
Force majeure. We will not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, internet or telecommunications failures, government actions, or pandemics.
Notices. Notices to you may be sent to the email address associated with your account or displayed within the Service. Notices to us must be sent to support@copiacash.com.
Electronic communications. By using the Service, you consent to receive communications from us electronically, including emails, in-app messages, and push notifications. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.
Electronic Signatures and Records. By using the Service, you consent to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed through the Service. Your consent applies to all interactions between you and Copia. You have the right to withdraw this consent, but doing so may prevent you from using the Service. This consent is provided in accordance with the Electronic Signatures in Global and National Commerce Act (E-Sign Act).

19. Contact us

If you have questions about these Terms or the Service, you can contact us at:

Copia Cash, Inc.
Email: support@copiacash.com
Address: 680 North Lake Shore Drive, Suite 110 - 2166, Chicago, IL 60611, United States