Terms of Service

01

Eligibility

You must be at least 16 years old and capable of forming a binding contract to use the Service. If you use the Service on behalf of another person or entity, you represent that you are authorized to accept these Terms for them. The Service is offered to residents of Canada, the United States, and Mexico. We make no representation that it is appropriate or available anywhere else, and you are responsible for complying with your own local law.

02

The Service

Notch is a personal budgeting and money-tracking tool. It allows you to view and organize your own finances by connecting, through Plaid, to accounts you already hold, and by recording, categorizing, and planning around your activity.

The Service is available in a web browser today. A native application for iOS is expected on the App Store at the end of 2026, and these Terms will govern it on the same account.

Notch is currently offered as a beta release. It is in active development, may contain defects, and features may change, be added, or be withdrawn. We may also limit availability while it remains in beta. The disclaimers in section 13 and the limits in section 14 apply with particular force during this period. You should maintain your own records and export a copy of your data periodically.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service for your own personal, non-commercial purposes, in accordance with these Terms.

03

No financial, investment, or tax advice

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

No part of the Service constitutes financial, investment, tax, accounting, or legal advice, and nothing in it should be construed as a recommendation to enter into any transaction. Balances, categories, projections, and any content generated automatically, including the daily read produced using Claude, are informational estimates derived from data supplied by third parties and may be incomplete, delayed, or inaccurate.

You should rely on the official records of your financial institution in making decisions about your money, and consult a qualified professional before acting on any content within the Service. You are solely responsible for your financial decisions.

04

Your account

You are responsible for maintaining the confidentiality of your sign-in credentials and for all activity that occurs under your account. You agree to provide accurate registration information and to keep it current.

Notify us promptly at support@usenotch.co if you suspect unauthorized access. We are not liable for losses arising from your failure to keep your credentials secure, or from your sharing them with another person.

05

Linking financial accounts

Bank connections are provided through Plaid Inc. By linking an account you authorize us to access and retrieve, on your behalf and on a read-only basis, your account information and transaction history from that institution for as long as the connection remains active.

You represent that you are the owner of, or are otherwise authorized to link, any account you connect. You may unlink an institution at any time in the app, which revokes our access to it.

Your use of Plaid is additionally governed by Plaid's End User Privacy Policy and applicable Plaid terms.

06

Subscriptions and payment

Parts of the Service may be offered free of charge, and others under a paid subscription. The price, billing period, and included features will be presented to you before you purchase.

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 beforehand.
Where you purchase through the Apple App Store or another platform, that platform processes the payment and its terms and refund policies also apply. Manage or cancel the subscription in your platform account settings.
You may cancel at any time. Cancellation takes effect at the end of the current billing period, and you retain access until then.
We may change prices on reasonable prior notice. Changes take effect on the next billing period; if you do not accept a change, you may cancel before it applies.

Refunds

Except where a refund is required by applicable consumer protection law, or is granted under the policies of the platform you purchased through, fees are non-refundable. Nothing here limits statutory rights you have as a consumer.

07

Acceptable use

You agree not to:

Use the Service for any unlawful purpose, or in violation of any law or third party's rights;
Access or attempt to access another user's account or data;
Link a financial account you are not authorized to link;
Reverse-engineer, decompile, or attempt to derive the source code of the Service, except to the extent that restriction is prohibited by law;
Interfere with, disrupt, overload, or probe the Service or its infrastructure, or circumvent any security or rate-limiting measure;
Use automated means to access the Service or extract data from it without our written permission;
Resell, sublicense, or commercially exploit the Service or its content.

08

Your data and content

You retain ownership of your data. We claim no ownership of the information you enter or of the account data retrieved on your behalf. You grant us only the limited, non-exclusive licence necessary to host, process, transmit, and display that information for the purpose of operating the Service for you, and for no other purpose.

You may export a complete copy of your data at any time from within the app. Our handling of personal information is described in our Privacy Policy, which forms part of these Terms.

09

Our intellectual property

The Service, including its software, source code, design, text, and graphics, is owned by us and protected by copyright and other intellectual property laws. These Terms grant you a limited licence to use the Service and transfer no ownership to you.

You may not copy, reproduce, or create derivative works from the Service, and you may not use the Notch name, logo, or branding in any manner that suggests an association with, or endorsement or sponsorship by, us without our prior written permission.

10

Third-party services

The Service depends on third parties, including Plaid, your financial institutions, our cloud infrastructure provider, and, where you switch on the daily read, Anthropic. We do not control these parties and are not responsible for their acts, omissions, availability, or the accuracy of the data they supply.

Interruptions or errors originating with a third party may affect the Service. Where data shown to you is incorrect because an institution or provider supplied it incorrectly, our responsibility is limited to correcting it once we become aware.

11

Third-party names, trade-marks, and notices

Notch 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 here only to identify those products. Their use does not imply that any of them sponsors, endorses, or is affiliated with Notch.

Plaid. "Plaid" is a trade-mark of Plaid Inc. Bank connections are provided by Plaid, and your use of them is also governed by Plaid's own End User Privacy Policy.
Anthropic and Claude. "Anthropic" and "Claude" are trade-marks of Anthropic PBC. Where you switch on the daily read, it is produced using Claude through Anthropic's commercial API, under 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.
Google. "Google" and "Google Sign-In" are trade-marks of Google LLC, used where you choose to sign in with a Google account.
Your financial institutions. Bank and card-issuer names and logos shown in the app are trade-marks of those institutions, displayed only so that you can recognise 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 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.

12

Availability, changes, and termination

We may add, modify, suspend, or discontinue any part of the Service. We will give reasonable notice of material changes where we can, but we do not guarantee uninterrupted or error-free operation, and maintenance or outages may occur.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms, if required by law, or if continuing to provide the Service to you would create a security or legal risk. Where practicable we will give notice and an opportunity to remedy.

On termination, your licence ends and we will delete your data in accordance with our Privacy Policy. You should export your data before closing your account. Sections 03, 08, 09, 11, 13, 14, 15 and 16 survive termination.

13

Disclaimer of warranties

To the fullest extent permitted by law, the Service is provided "as is" and "as available", without warranties or conditions of any kind, whether express, implied, or statutory, including any implied warranty of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.

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

Some jurisdictions do not allow the exclusion of certain warranties. Where that is so, the exclusions above apply only to the extent permitted, and you may have rights that these Terms cannot limit.

14

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, nor for lost profits, lost savings, lost data, or financial losses arising from decisions you make using the Service, whether in contract, tort, or any other theory, and even if we have been advised of the possibility.

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

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud, or for death or personal injury caused by negligence, and nothing limits the statutory rights of a consumer under applicable consumer protection legislation.

15

Indemnity

You agree to indemnify and hold harmless Notch and its operator from any claim, demand, loss, or expense (including reasonable legal fees) arising out of your misuse of the Service, your breach of these Terms, your violation of any law, or your infringement of a third party's rights. This does not apply to the extent the claim arises from our own negligence or wilful misconduct.

16

Governing law and disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. The courts of Ontario have jurisdiction over any dispute, and you consent to their jurisdiction, except that, if you are a consumer, you keep any right you have to bring proceedings in the courts of the place where you live.

Informal resolution first. Before commencing formal proceedings, you agree to notify us of the dispute in writing at support@usenotch.co and to allow thirty days from that notice for the parties to attempt to resolve it.

17

General

Entire agreement. These Terms and the Privacy Policy are the whole agreement between us regarding the Service.
Severability. If a provision is found unenforceable, the rest remains in effect and the provision is applied to the maximum extent permitted.
No waiver. Not enforcing a provision does not waive our right to enforce it later.
Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
Changes to these Terms. We may update these Terms; the version and date above will change. Material changes will be notified in the app or by email before taking effect. Continuing to use the Service after that constitutes acceptance.
Language. The parties have requested that these Terms be drawn up in English. Les parties ont demandé que ces conditions soient rédigées en anglais.

18

Contact

Notch
support@usenotch.co
Ontario, Canada