Terms of Service

Welcome to Tillr. These Terms of Service ("Terms") govern your use of the Tillr platform, accessible at tillr.polsia.app ("Service"), operated by Tillr ("we", "us", "our").

By creating an account or using the Service, you agree to these Terms. If you disagree with any part, do not use the Service.

01Service Description

Tillr is an AI-powered personal finance tracking and reporting platform. The Service allows you to:

• Connect bank accounts via Plaid to import account balances and transaction history
• Receive AI-generated daily financial briefings summarizing your financial health
• View spending analysis, net worth tracking, and cash flow forecasts
• Set up smart savings goals with AI-suggested contribution amounts
• Chat with an AI financial analyst that has context of your connected accounts

02Eligibility

You must be at least 18 years old and capable of forming a binding contract to use Tillr. By using the Service, you represent that you meet this requirement.

Tillr is currently intended for personal use by US residents. Commercial or business use is not permitted without our prior written consent.

03Accounts & Registration

• You must provide accurate, current, and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activity that occurs under your account
• Notify us immediately at support@tillr.polsia.app if you suspect unauthorized account access
• You may not share, sell, or transfer your account to another person

04Subscription & Billing

Access to Tillr's core features requires an active paid subscription.

• Price: $14.99 per month
• Billing cycle: Monthly, charged on the same date each month from your initial subscription date
• Trial period: We may offer a free trial period at our discretion. Trials automatically convert to paid subscriptions unless cancelled before the trial ends.
• Payment: Processed securely via Stripe. We accept major credit cards, Apple Pay, and Google Pay.
• Cancellation: You may cancel anytime from your account settings. Cancellation takes effect at the end of your current billing period — no prorated refunds are issued for partial months.
• Price changes: We will notify you at least 30 days in advance of any price changes. Continued use after the effective date constitutes acceptance.

05Bank Account Integration

Tillr uses Plaid to connect to your financial institutions. By connecting a bank account, you authorize Tillr and Plaid to retrieve your account and transaction data on a read-only basis.

• We access your data in read-only mode only — Tillr cannot initiate transactions, transfers, or payments
• You can disconnect your bank accounts at any time via Settings
• Your use of Plaid is also governed by Plaid's End User Privacy Policy
• Bank connections may occasionally fail due to changes at your financial institution — this is outside our control

06Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Attempt to reverse-engineer, decompile, or extract source code from the Service
• Use automated tools (bots, scrapers) to access or collect data from the Service
• Interfere with or disrupt the integrity or performance of the Service
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Use another user's account without their express written consent
• Upload or transmit viruses, malware, or any malicious code

We reserve the right to suspend or terminate accounts that violate these restrictions without notice.

07Data Accuracy Disclaimer

Tillr aggregates data reported by your financial institutions via Plaid. While we strive for accuracy, we are not responsible for errors, delays, or omissions in data provided by third-party banks or Plaid.

• Account balances shown in Tillr reflect data as reported by your institution — they may not reflect pending transactions
• Transaction categorization is performed by AI and may occasionally be inaccurate
• Cash flow forecasts and AI-generated reports are estimates, not guarantees
• Do not rely solely on Tillr data for time-sensitive financial decisions — always verify directly with your financial institution

08No Financial Advice

Tillr provides information and AI-generated analysis for educational and informational purposes only. The content generated by Tillr — including daily briefings, spending analysis, savings suggestions, and AI chat responses — does not constitute:

• Financial or investment advice
• Tax advice or tax preparation services
• Legal advice
• A recommendation to buy, sell, or hold any financial instrument

For advice tailored to your specific situation, consult a licensed financial advisor, tax professional, or attorney.

09Intellectual Property

Tillr and its original content, features, and functionality are owned by Tillr and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our express written permission.

You retain ownership of the financial data you provide to Tillr. By using the Service, you grant us a limited, non-exclusive license to process your data solely to provide the Service to you.

10Limitation of Liability

To the fullest extent permitted by applicable law:

• Tillr is provided "as is" and "as available" without warranties of any kind, express or implied
• We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
• Our total liability to you for any claims arising from these Terms or your use of the Service will not exceed the amounts you paid to us in the 12 months preceding the claim

Some jurisdictions do not allow exclusion of certain warranties or limitation of liability for consequential damages, so the above limitations may not apply to you.

11Indemnification

You agree to indemnify, defend, and hold harmless Tillr and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from: (a) your violation of these Terms; (b) your use of the Service; or (c) your violation of any third-party rights.

12Termination

Either party may terminate your account at any time:

• By you: Cancel your subscription and delete your account via Settings. Access ends at the close of your current billing period.
• By us: We may suspend or terminate your account immediately for violations of these Terms, non-payment, or for any reason with reasonable notice. We will provide a prorated refund for terminations we initiate without cause.

Upon termination, your right to access the Service ceases. We will delete your data in accordance with our Privacy Policy.

13Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration under the American Arbitration Association's rules, except that either party may seek injunctive relief in a court of competent jurisdiction.

You waive any right to participate in a class action lawsuit or class-wide arbitration against Tillr.

14Changes to These Terms

We may update these Terms as the Service evolves. For material changes, we will notify you via email at least 14 days before the changes take effect. Your continued use of the Service after that date constitutes acceptance of the updated Terms.

15Contact Us

For questions about these Terms, contact us at:

• Email: support@tillr.polsia.app
• Website: tillr.polsia.app