Terms of Service

Definitions and interpretation

In these Terms:

• "Account" means the account you register in order to access the Service.
• "Automated Content" means any text, summary, categorisation, projection or recommendation generated wholly or partly by an automated or machine-learning system, including the daily read described in section 07.
• "Linked Institution" means a financial institution to which you have connected an account through the Service.
• "Plaid" means Plaid Inc. and its affiliates, which provide financial account connectivity for the Service.
• "Privacy Policy" means our privacy policy at usenotch.co/privacy.html, as amended from time to time.
• "User Data" means information you enter into the Service and information retrieved on your behalf from a Linked Institution.

In these Terms: headings are for convenience only and do not affect interpretation; the words "include", "includes" and "including" are to be read as if followed by "without limitation"; words importing the singular include the plural and vice versa; a reference to a statute includes any statute amending, consolidating or replacing it; and a reference to a section is to a section of these Terms unless stated otherwise. All monetary amounts are in Canadian dollars unless expressly stated otherwise.

Acceptance, eligibility and territory

You must be at least sixteen (16) years of age and have the legal capacity to enter into a binding contract in your jurisdiction of residence. If you access the Service on behalf of another person or an entity, you represent and warrant that you have the authority to bind that person or entity to these Terms, and references to "you" include that person or entity.

The Service is offered to residents of Canada, the United States and Mexico. We make no representation that the Service is appropriate or available for use in any other jurisdiction. You are responsible for compliance with all laws applicable to you, including any local laws restricting access to the Service.

The Service and beta status

The Service is a personal budgeting and money-tracking application. It enables you to view and organise your own financial information by connecting, through Plaid, to accounts you already hold, and by recording, categorising and planning around your activity.

Subject to your compliance with these Terms, we grant you a limited, personal, revocable, non-exclusive, non-transferable and non-sublicensable licence to access and use the Service for your own personal, non-commercial purposes. All rights not expressly granted are reserved.

The Service is presently available in a web browser. A native application for iOS is expected to be published on the App Store at the end of 2026 and, when released, will be governed by these Terms on the same Account.

The Service is currently made available as a beta release. It remains in active development, may contain defects or inaccuracies, and features may be modified, added or withdrawn without notice. We may restrict availability of the Service while it remains in beta. The disclaimers in section 16 and the limitations in section 17 apply with particular force during this period. You are responsible for maintaining your own records and should export a copy of your User Data at regular intervals.

No financial, investment or tax advice

Notch is not a bank, credit union, trust company, broker-dealer, investment dealer, investment advisor, financial planner, mortgage broker, tax advisor or money services business. We do not hold, receive or transmit client funds, we are not licensed or registered with any financial services regulator, and the Service provides no mechanism by which funds may be transferred.

No part of the Service constitutes financial, investment, tax, accounting or legal advice, and nothing in the Service should be construed as an offer, solicitation or recommendation to enter into any transaction. Balances, categorisations, projections and Automated Content are informational estimates derived from data supplied by third parties and may be incomplete, delayed, inaccurate or unavailable.

You must rely on the official records of your financial institution when making decisions concerning your money, and should consult an appropriately qualified professional before acting on any content within the Service. You are solely responsible for your financial decisions and for verifying any figure on which you intend to rely.

Accounts and security

You are responsible for maintaining the confidentiality of your Account credentials and for all activity occurring under your Account, whether or not authorised by you. You agree to provide accurate and complete registration information and to keep it current.

You must notify us promptly at support@usenotch.co upon becoming aware of any unauthorised access to or use of your Account. Subject to section 17, we are not liable for any loss arising from your failure to safeguard your credentials or from your disclosure of them to another person.

You may not create an Account by automated means, create more than one Account for the purpose of circumventing a limit or restriction, or transfer your Account to another person.

Linking financial accounts

Financial account connectivity is provided by Plaid. By linking an account, you authorise us and Plaid to access and retrieve, on your behalf and on a read-only basis, your account information and transaction history from the relevant Linked Institution for so long as the connection remains active. This authorisation constitutes your instruction to your Linked Institution to release that information.

You represent and warrant that you are the owner of, or are otherwise duly authorised to link, each account you connect, and that doing so does not breach any agreement between you and the Linked Institution.

You may unlink an institution at any time within the Service, which revokes our ongoing access to it. Unlinking does not delete data already retrieved unless you elect to remove it.

Your use of Plaid is additionally governed by Plaid's End User Privacy Policy and applicable Plaid terms, to which you are a party independently of these Terms.

Automated content

The Service includes an optional feature that generates a written summary of your financial information using a large language model operated by Anthropic PBC. That feature is disabled by default, operates only where you expressly enable it, and may be disabled at any time within the Service.

Automated Content is generated without human review. It may be inaccurate, incomplete or unsuitable for your circumstances, and it is provided for information only. Section 04 applies to Automated Content in full. We make no representation that Automated Content will be reproducible, consistent between generations, or free from error.

You are responsible for evaluating Automated Content before acting on it. The information transmitted when the feature is enabled is described in our Privacy Policy.

Fees, subscriptions and renewal

Certain features of the Service may be offered without charge and others under a paid subscription. The applicable price, billing period and included features will be disclosed to you before you complete a purchase. You are responsible for all applicable taxes.

Billing and renewal

• Paid subscriptions are billed in advance on a recurring basis and renew automatically at the end of each billing period unless cancelled before the renewal date.
• Where you purchase through the Apple App Store or another platform, that platform processes the payment and its terms and refund policies apply in addition to these Terms. You must manage or cancel such a subscription through your platform account settings.
• You may cancel at any time. Cancellation takes effect at the end of the then-current billing period and you retain access until that date.
• We may change prices on not less than thirty (30) days' prior notice. A price change takes effect at the next billing period, and you may cancel before it applies if you do not accept it.

Refunds

Except where a refund is required by applicable consumer protection legislation, or is granted under the policies of the platform through which you purchased, fees are non-refundable and are not prorated on cancellation. Nothing in this section limits any statutory right you have as a consumer.

Acceptable use

You must not, and must not permit any other person to:

• use the Service for any unlawful purpose, or in breach of any applicable law or the rights of any third party;
• access or attempt to access any Account or data other than your own;
• link a financial account that you are not authorised to link;
• reverse-engineer, decompile, disassemble or otherwise attempt to derive the source code of the Service, except to the extent that such restriction is expressly prohibited by applicable law;
• interfere with, disrupt, overload or probe the Service or its infrastructure, or circumvent any security, authentication or rate-limiting measure;
• use any robot, scraper or other automated means to access the Service or extract data from it without our prior written consent;
• resell, rent, sublicense, or otherwise commercially exploit the Service or any content within it; or
• use the Service to develop a competing product or service, or to train any machine-learning model.

Your data and content

You retain all right, title and interest in your User Data. We claim no ownership of the information you enter or of the account data retrieved on your behalf. You grant us a limited, non-exclusive, worldwide, royalty-free licence to host, store, process, transmit and display User Data solely as necessary to operate and support the Service for you, and for no other purpose. That licence terminates when the relevant User Data is deleted, subject to the retention periods described in the Privacy Policy.

You may export a complete copy of your User Data at any time from within the Service. Our collection, use and disclosure of personal information is described in the Privacy Policy, which is incorporated into and forms part of these Terms.

Feedback

If you submit any suggestion, idea, enhancement request or other feedback concerning the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free and sublicensable licence to use, reproduce and exploit that feedback for any purpose, without obligation of confidentiality, attribution or compensation. Feedback is not your confidential information and you should not submit anything you wish to keep confidential.

Intellectual property

The Service, including its software, source code, databases, design, user interface, text and graphics, and all intellectual property rights in them, is and remains owned by us or our licensors and is protected by copyright, trade-mark and other laws. These Terms grant you a licence to use the Service only and transfer no ownership interest to you.

You must not copy, reproduce, modify, distribute or create derivative works from the Service, and you must not use the Notch name, logo or branding in any manner likely to suggest an association with, or endorsement or sponsorship by, us without our prior written consent.

If you believe material within the Service infringes your copyright, notify us at support@usenotch.co with a description of the work, the location of the material, your contact details, and a statement of your good-faith belief that the use is unauthorised.

© 2026 Fahmy Abdi. All rights reserved.

Third-party services

The Service depends on third parties, including Plaid, your Linked Institutions, our cloud infrastructure provider and, where you enable the feature described in section 07, Anthropic PBC. We do not control those parties and are not responsible for their acts, omissions, availability, security practices, or the accuracy or completeness of data they supply.

Interruption, delay or error originating with a third party may affect the Service. Where information displayed to you is incorrect because a Linked Institution or provider supplied it incorrectly, our responsibility is limited to correcting the display once we become aware of the error.

Third-party names, trade-marks and notices

The Service is built with, and connects to, products owned by other companies. Their names and logos are the property of their respective owners and are used solely to identify those products. Such use does not imply that any owner sponsors, endorses or is affiliated with Notch.

• Plaid. "Plaid" is a trade-mark of Plaid Inc. Financial account connectivity is provided by Plaid, and your use of it is also governed by Plaid's End User Privacy Policy.
• Anthropic and Claude. "Anthropic" and "Claude" are trade-marks of Anthropic PBC. Where you enable the feature described in section 07, Automated Content is produced using Claude through Anthropic's commercial API, subject to Anthropic's terms.
• Apple. "Apple", "iPhone", "iOS", "Face ID", "Touch ID" and "App Store" are trade-marks of Apple Inc., registered in the United States and other countries. Notch is not affiliated with, endorsed by or sponsored by Apple Inc.
• Google. "Google" and "Google Sign-In" are trade-marks of Google LLC, referenced where you elect to authenticate using a Google account.
• Financial institutions. Bank and card-issuer names and logos displayed in the Service are trade-marks of those institutions, shown solely so that you may identify your own accounts.

The Service also incorporates open-source software made available by its authors under permissive licences, including the MIT, Apache 2.0 and BSD licences, and typefaces licensed under the SIL Open Font License. Copyright in that software and those typefaces remains with their respective authors, and the applicable licence text governs its use. A current list of components and their licences is available on request from support@usenotch.co.

Availability, suspension and termination

We may add to, modify, suspend or discontinue any part of the Service at any time. We will provide reasonable notice of a material change where it is practicable to do so. We do not warrant uninterrupted or error-free operation, and scheduled maintenance or unscheduled outages may occur.

You may cease using the Service and delete your Account at any time. We may suspend or terminate your access, in whole or in part, if you materially breach these Terms, if suspension or termination is required by law, or if continuing to provide the Service to you would create a material security, legal or financial risk. Where practicable, we will give notice and, in the case of a remediable breach, a reasonable opportunity to remedy it.

On termination, the licence granted in section 03 ends immediately and we will delete your User Data in accordance with the Privacy Policy. You should export your User Data before closing your Account. Sections 04, 10, 11, 12, 14, 16, 17, 18, 21 and 22, together with any provision which by its nature is intended to survive, survive termination.

Disclaimer of warranties

To the fullest extent permitted by applicable law, the Service is provided "as is" and "as available", without warranty, representation or condition of any kind, whether express, implied, statutory or collateral, including any implied warranty or condition of merchantability, merchantable quality, fitness for a particular purpose, durability, title, non-infringement, accuracy, or uninterrupted or secure availability.

We do not warrant that the Service will meet your requirements, that data displayed will be accurate, complete or current, that the Service will be available at any particular time, or that defects will be corrected.

Certain jurisdictions do not permit the exclusion of implied warranties or conditions. Where that is the case, the exclusions in this section apply only to the extent permitted, and you may hold rights that these Terms cannot limit.

Limitation of liability

To the fullest extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, nor for any loss of profit, loss of revenue, loss of savings, loss of data, loss of goodwill, or financial loss arising from any decision you make in reliance on the Service, whether the claim arises in contract, tort (including negligence), statute or any other theory, and whether or not we have been advised of the possibility of such damages.

Our aggregate liability arising out of or relating to the Service and these Terms is limited to the greater of the total amount you paid us in the twelve (12) months immediately preceding the event giving rise to the claim and fifty Canadian dollars (CA$50).

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or under applicable consumer protection legislation. The limitations in this section apply notwithstanding the failure of any limited remedy of its essential purpose, and reflect a reasonable allocation of risk given that the Service is provided at low or no cost.

Indemnity

You agree to indemnify, defend and hold harmless Notch and its operator from and against any claim, demand, action, loss, liability, damage, cost or expense (including reasonable legal fees on a solicitor-and-client basis) arising out of or relating to your misuse of the Service, your breach of these Terms, your violation of any applicable law, or your infringement of the rights of any third party. This section does not apply to the extent that the claim arises from our own negligence or wilful misconduct.

Force majeure

We will not be liable for any failure or delay in performance caused by an event beyond our reasonable control, including an act of God, natural disaster, epidemic, war, civil unrest, act of terrorism, labour dispute, governmental action, failure of a telecommunications or internet provider, failure or outage of a third-party service on which the Service depends, or cyber-attack. Our obligations are suspended for the duration of such an event.

Notices and electronic communications

You consent to receive notices and other communications from us electronically, whether by email to the address associated with your Account or by posting within the Service. Electronic communications satisfy any legal requirement that a communication be in writing. A notice sent by email is deemed received on the day it is sent, unless the sender receives an automated delivery failure.

Notices to us must be sent to support@usenotch.co and are deemed received on the next business day in Ontario, Canada. You must keep the email address associated with your Account current.

Governing law and dispute resolution

These Terms and any dispute arising out of or in connection with them, including any question concerning their existence, validity or termination, are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in that province, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

The courts of the Province of Ontario have exclusive jurisdiction over any dispute, and you irrevocably attorn to their jurisdiction, except that, if you are a consumer, nothing in this section deprives you of any right you may have to bring proceedings in the courts of the place where you reside, or of the protection of the mandatory consumer protection laws of that place.

Informal resolution. Before commencing formal proceedings, you agree to notify us of the dispute in writing at support@usenotch.co, setting out the nature of the dispute and the relief sought, and to allow thirty (30) days from that notice for the parties to attempt to resolve it in good faith.

General provisions

• Entire agreement. These Terms and the Privacy Policy constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings, whether written or oral, on that subject.
• Severability. If any provision is held invalid or unenforceable, it is to be read down to the minimum extent necessary, or severed, and the remaining provisions continue in full force.
• No waiver. No failure or delay in exercising a right operates as a waiver of it, and no single or partial exercise precludes any further exercise.
• Assignment. You may not assign or transfer these Terms or any right under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation or sale of all or substantially all of our assets.
• No third-party beneficiaries. These Terms confer no rights on any person who is not a party to them, save that our licensors and service providers may rely on sections 16 and 17.
• Relationship. Nothing in these Terms creates a partnership, joint venture, agency or employment relationship between the parties.
• Amendment. We may amend these Terms from time to time; the version number and date above will be updated. Where an amendment is material, we will notify you within the Service or by email before it takes effect. Continued use of the Service after the effective date constitutes acceptance of the amended Terms.
• Language. The parties have requested that these Terms and all related documents be drawn up in English. Les parties ont demandé que la présente convention ainsi que tous les documents qui s'y rattachent soient rédigés en langue anglaise.

Contact

Fahmy Abdi, sole proprietor, carrying on business as Notch
support@usenotch.co
Ontario, Canada