Terms of Service
Last updated: November 14, 2025
Please read these Terms of Service carefully before using Chedr's services.
Important Notice
These Terms of Service contain important information about your legal rights, remedies, and obligations, including various limitations and exclusions, and a clause that governs the jurisdiction and venue of disputes. Please read these terms carefully.
Introduction
These Terms of Service ("Terms") govern your access to and use of Chedr FinanceAI, Inc.'s ("Chedr," "we," "us," or "our") website, mobile application, and related services (collectively, the "Services"). By using our Services, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using Chedr's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services. These terms apply to all visitors, users, and others who access or use our services.
2. Description of Service
Chedr provides AI-powered financial management services, including but not limited to transaction tracking, tax optimization, budgeting tools, financial forecasting, and intelligent financial insights. Our services are designed to help individuals and businesses manage their finances more effectively through artificial intelligence and machine learning technologies.
3. Account Registration and Security
3.1 Account Creation
To use our services, you must create an account by providing accurate, current, and complete information. You agree to update this information to keep it accurate and current.
3.2 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or any other breach of security.
3.3 Age Requirements
You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement.
4. Financial Account Connections
4.1 Third-Party Integration
Our services integrate with third-party financial institutions through Plaid and other service providers. By connecting your financial accounts, you authorize us to access and retrieve your financial data from these institutions.
4.2 Account Credentials
When you provide your financial account credentials to connect accounts, you authorize Plaid and Chedr to access your account information. We do not store your banking credentials; they are securely handled by Plaid.
4.3 Data Accuracy
While we strive for accuracy, we do not guarantee that financial data retrieved from third parties is always current, accurate, or complete. You should verify important financial information independently.
5. Acceptable Use Policy
5.1 Permitted Uses
You may use our services only for lawful purposes and in accordance with these Terms. You agree not to use our services in any way that violates applicable laws or regulations.
5.2 Prohibited Activities
You agree not to: (a) use our services for any illegal purpose; (b) attempt to gain unauthorized access to our systems; (c) interfere with or disrupt our services; (d) transmit viruses or malicious code; (e) collect or harvest information about other users; (f) use automated systems to access our services without permission; or (g) reverse engineer or attempt to extract our source code or algorithms.
6. Fees and Payment
6.1 Subscription Plans
Our services are offered through various subscription plans. By subscribing, you agree to pay the applicable fees as described on our pricing page. All fees are in U.S. dollars unless otherwise stated.
6.2 Billing
Subscription fees are billed in advance on a recurring basis (monthly or annually, depending on your plan). You authorize us to charge your payment method for all fees incurred.
6.3 Cancellation and Refunds
You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial billing periods, except as required by law.
6.4 Price Changes
We reserve the right to change our pricing. We will provide you with advance notice of any price changes, and you will have the opportunity to cancel your subscription before the new price takes effect.
7. Tax and Financial Advice Disclaimer
Chedr provides informational tools and AI-powered insights but does not provide professional tax, financial, or legal advice. Our services are not a substitute for professional advice from qualified accountants, financial advisors, or attorneys. You should consult with appropriate professionals regarding your specific financial and tax situations. We make no warranties regarding the accuracy, completeness, or applicability of any information or recommendations provided through our services.
8. Intellectual Property Rights
8.1 Our IP
Our services, including all content, features, functionality, software, algorithms, and AI models, are owned by Chedr and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
8.2 Your Data
You retain all rights to your personal and financial data. By using our services, you grant us a limited license to use your data to provide and improve our services, as described in our Privacy Policy.
8.3 Feedback
If you provide feedback, suggestions, or ideas about our services, you grant us a perpetual, irrevocable, worldwide license to use and incorporate such feedback without compensation.
9. Disclaimers and Warranties
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPRIA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.
11. Termination
11.1 Termination by You
You may terminate your account at any time by contacting us or through your account settings. Upon termination, your right to use our services will immediately cease.
11.2 Termination by Us
We may suspend or terminate your account and access to our services at any time, with or without cause, with or without notice. We may terminate accounts for violations of these Terms, suspicious activity, or any other reason we deem appropriate.
12. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by email or through a prominent notice on our services. Your continued use of our services after changes become effective constitutes acceptance of the modified Terms.
We recommend saving a copy of these Terms for your records. You can download a PDF version below. Contact our legal team if you have any questions about these terms.
Contact Information
If you have any questions about these Terms of Service, please contact us:
Email:legal@opria.com
Address: Chedr FinanceAI, Inc., 123 Financial District, San Francisco, CA 94105
Phone: +1 (555) 123-4567
Download Terms
Get a PDF copy for your records
Privacy Policy
Learn how we protect your data