Terms of Service

Effective date: July 1, 2026 Applies to: getaurelo.app and the Aurelo mobile app

Plain-English summary: These are the rules for using Aurelo. By signing up, you agree to them. The most important things to know up front: Aurelo never holds your money, so your savings stay in your own bank accounts. Subscriptions auto-renew until you cancel, and you cancel them in the App Store or Google Play. Aurelo runs no affiliate programme and is not paid to recommend anything. Disputes go to individual arbitration, not class actions or jury trials.

1. Acceptance of Terms

By creating an Aurelo account, downloading the Aurelo mobile app, or using the website at getaurelo.app, you agree to these Terms of Service (the “Terms”). If you do not agree, do not use Aurelo.

These Terms form a legally binding agreement between you and Aurelo (“we,” “us,” or “our”). We may update these Terms from time to time as described in Section 16.

2. Defined Terms

In these Terms:

“Aurelo” means Aurelo and its mobile and web applications.
“App” means the Aurelo mobile application available on the Apple App Store and Google Play.
“Free Tier”, “Gold,” and “Gold Family” mean the subscription tiers described in Section 5.
“Founding Member” means a user who purchased the Q3 2026 Founding Member subscription described in Section 7.
“Plaid” means Plaid Inc., the third-party data provider Aurelo uses for read-only bank connectivity.

3. What Aurelo Is and Is Not

3.1 What Aurelo is

Aurelo is a personal finance software application. Aurelo helps you:

Build and manage envelope budgets and savings goals.
Connect your bank accounts (read-only) to track your spending and balances.
See personalized savings recommendations based on your own transaction history, including high-yield savings accounts that currently pay competitive rates.
Discover third-party financial products such as high-yield savings accounts, tax filing services, and renters insurance, where Aurelo may receive a referral commission.

3.2 What Aurelo is not

Aurelo is not a bank. Aurelo is not a broker-dealer, investment adviser, or money transmitter. Aurelo does not hold, custody, or insure your funds. Aurelo does not pay interest or yield. Aurelo does not provide investment advice.

All money you save stays in bank accounts that you own. Aurelo never initiates transfers of any kind and has no ability to move funds; any transfer you make happens in your own bank, on your own initiative. Any interest you earn is paid by your bank, not by Aurelo.

Aurelo is a budgeting tool, not a financial adviser. Nothing in the App or on getaurelo.app constitutes investment, tax, accounting, or legal advice. You are responsible for your own financial decisions.

4. Eligibility and Account Registration

To use Aurelo, you must:

Be a resident of the United States.
Be at least 18 years old.
Have the legal capacity to enter into a binding agreement.
Not be prohibited by applicable law from using a financial software product.

To create an account, you provide a valid email address, set a password, and confirm your email. You are responsible for keeping your login credentials confidential and for all activity on your account. If you suspect unauthorized access, contact us immediately at support@getaurelo.app.

You agree to provide accurate, complete, and current information and to update it if it changes. We may suspend or close your account if we reasonably believe it has been compromised, used in violation of these Terms, or used to commit fraud or harm to others.

5. Subscription Tiers

5.1 Tiers and pricing

Aurelo offers three tiers:

Free Tier — $0. Includes envelope budgeting (one active budget with up to one collaborator on that budget), a budget auto-built from your bank via Plaid, a one-time savings analysis with high-yield savings account recommendations, and subscription detection with self-service cancellation guides.
Gold — $12.00 per month or $80.00 per year. Includes everything in the Free Tier plus unlimited budgets with up to five collaborators on each, ongoing bank sync that keeps your budget current on its own, up to ten connected banks, unlimited savings goals, the Forecast, Payoff Plan and Net Worth tools, six months of Aurelo Score history, and premium colours.
Gold Family — $20.00 per month or $200.00 per year. Includes everything in Gold plus up to five collaborators per budget. All collaborators must be members of the same Family plan; this is a household subscription, not a way to share budgets with arbitrary additional people. Includes a shared family financial dashboard and per-member privacy settings.

Annual plans are billed once per year and represent a 17% discount compared to twelve months of the corresponding monthly plan. Prices are in U.S. dollars and exclude any applicable sales tax.

5.2 Auto-renewal

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL. By subscribing, you authorize Apple or Google, as applicable, to charge your payment method on a recurring basis at the then-current price for your plan.

Renewal cadence:

Monthly plans renew every month on the same date you subscribed.
Annual plans renew every year on the same date you subscribed.

We will send you an email reminder before each annual renewal at least seven (7) days in advance. We do not send reminders for monthly renewals.

You may cancel at any time. Cancellation stops future charges but does not entitle you to a refund of amounts already paid for the current billing period (see Section 5.4).

5.3 Where you pay

How you are charged depends on how you signed up:

If you subscribe through the iOS App, billing is handled by Apple under your App Store account.
If you subscribe through the Android App, billing is handled by Google under your Google Play account.
Every tier, Founding Member included, is purchased as an in-app purchase. Aurelo does not sell subscriptions on the web and never sees your card details.

Apple’s and Google’s terms of service govern any in-app purchase you make through their stores, in addition to these Terms.

5.4 Refunds

All subscription fees are non-refundable except where required by applicable law. If you cancel mid-cycle, you keep access through the end of the current paid period and your subscription does not renew. We do not prorate or refund partial periods.

App Store refunds are governed by Apple’s policies. Google Play refunds are governed by Google’s policies. Refund requests for in-app purchases should generally be directed to the relevant store first.

5.5 Cancellation

You may cancel your subscription at any time. The cancellation method depends on where you subscribed:

iOS subscribers: cancel in iPhone Settings → [your name] → Subscriptions, or in the App at Settings → Subscription → Cancel.
Android subscribers: cancel in Google Play → Subscriptions, or in the App at Settings → Subscription → Cancel.
Founding Member: cancel in the same store that sold it to you, exactly as above.

After cancellation, your account reverts to the Free Tier at the end of your paid period.

5.6 Price changes

We may change subscription prices for new sign-ups at any time. For existing subscribers, we will give you at least thirty (30) days’ notice before any price increase takes effect at your next renewal. If you do not want to pay the new price, you may cancel before the renewal date. Continued use after a price change takes effect constitutes acceptance of the new price.

Founding Members are exempt from price increases. If you are a Founding Member, your annual subscription price will not increase from the rate you locked in at the time of purchase, for as long as your subscription remains continuously active. See Section 7.

6. Savings Recommendations

6.1 What savings recommendations are

Aurelo analyzes your own transaction history to show you personalized savings recommendations — for example, how much of last month’s budget went unspent and could be saved, and which high-yield savings accounts currently pay competitive rates. These recommendations are for informational and educational purposes only. They are not financial, investment, tax, or legal advice, and Aurelo is not a financial advisor, broker, or bank.

6.2 You decide and you act

Aurelo never moves, holds, or has access to your money. Aurelo does not initiate transfers of any kind. Any decision to save, and any transfer you make, is entirely your own and happens in your own bank.

6.3 Estimates, not guarantees

Suggested savings amounts are estimates based on your recent spending and may not reflect your full financial picture, upcoming expenses, or income changes. Aurelo does not guarantee any particular savings outcome.

6.4 Third-party savings accounts

Aurelo does not hold or insure your savings. Any interest rate is set and paid by your own bank, and any deposit insurance is provided by that bank under its own terms. Aurelo is not paid by any bank and earns nothing from where you choose to keep your money.

See the Savings Recommendations Disclaimer at getaurelo.app/legal/savings-recommendations for further detail.

7. Founding Member Program

7.1 Overview

During the Q3 2026 launch quarter (July 1, 2026 through September 30, 2026, or until the cap is reached, whichever is sooner), Aurelo is offering a limited Founding Member program. The Founding Member program is capped at one hundred (100) total participants.

7.2 What you get

As a Founding Member, you receive:

A Gold subscription at the locked-in price of $50.00 per year.
Protection from future price increases. Even if Aurelo raises the standard Gold price in later years, your annual renewal price stays $50.00 for as long as your subscription remains continuously active.
All Gold tier features as they exist now and as they evolve over time.
The option to upgrade to Gold Family at a discounted rate equal to the standard Gold Family price minus $4.00 per month, for as long as you remain a Founding Member.

7.3 What this is and is not

FOUNDING MEMBER IS A RECURRING ANNUAL SUBSCRIPTION, NOT A ONE-TIME LIFETIME PURCHASE. You will be charged $50.00 every year on your renewal date until you cancel. “Locked-in pricing for life” means your price is locked, not that your subscription is paid up forever.

If you cancel your Founding Member subscription, you lose your locked-in price. If you later resubscribe, you will pay the then-current standard Gold price, not the $50.00 Founding Member rate. The locked-in price requires continuous active enrollment.

7.4 Cancellation and refunds

Founding Member subscriptions follow the same cancellation rules as standard Gold (Section 5.5), with the additional condition that cancellation forfeits the locked-in price as described in Section 7.3.

7.5 Cap enforcement

Once one hundred (100) Founding Member subscriptions have been sold, the program closes. Any attempted purchase after the cap will fail and no charge will be made. Aurelo will not run a second Founding Member cohort.

8. Bank Connection via Plaid

Aurelo uses Plaid to read your bank account information. The connection is read-only: Aurelo cannot move money through it. When you connect a bank account, you authorize Plaid to access account data (including account and routing numbers, balances, and transactions) on your behalf, subject to Plaid’s End User Privacy Policy at plaid.com/legal.

Aurelo only uses bank data to operate the Aurelo App. We do not sell or share bank data for advertising or any commercial purpose unrelated to providing the service. See the Privacy Policy for further detail.

Aurelo runs no affiliate, referral or commission programme. No bank, tax service, insurer or other company pays Aurelo to be shown to you, to be ranked higher, or to be recommended at all. Aurelo’s only revenue is the subscription you pay.

If that ever changes, Aurelo will say so before you see a single sponsored recommendation: a disclosure will appear on the screen that carries the offer, these Terms will be updated, and the change will be described in the update notice required by Section 16.

10. Acceptable Use

You agree not to:

Use Aurelo for any unlawful purpose, including money laundering, fraud, or evasion of taxes or sanctions.
Provide false identity or account information.
Attempt to reverse-engineer, decompile, or disrupt the App, the website, or any underlying infrastructure.
Scrape, automate, or programmatically access Aurelo without our prior written permission.
Use Aurelo on behalf of a business or other entity unless we expressly permit it in writing.
Use the App if you are under 18 or not a U.S. resident.

Violation of this Section 10 is grounds for immediate suspension or termination of your account.

11. Intellectual Property

All content in the App and on getaurelo.app — including the name, logo, design, trade dress, software, and content — is owned by Aurelo or its licensors and is protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the App and the website for your personal, non-commercial financial management.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any Aurelo content without our prior written permission, except as expressly permitted by these Terms or by applicable law.

12. Disclaimers

THE APP AND THE WEBSITE ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AURELO DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

Aurelo does not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components. You are responsible for your own data backups and for verifying the accuracy of any information you rely on for financial decisions.

Aurelo is a software tool, not a financial adviser. Any rate of return, savings amount, budget projection, or similar number displayed in the App is informational and not a guarantee, recommendation, or offer.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

(a) AURELO WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH THE APP, THE WEBSITE, OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF AURELO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) AURELO’S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE APP, THE WEBSITE, OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNT YOU PAID AURELO IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (ii) ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above exclusions and limitations may not apply to you. In those jurisdictions, Aurelo’s liability is limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Aurelo and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with (a) your use of the App or the website, (b) your violation of these Terms, (c) your violation of any law or the rights of any third party, or (d) any content or information you provide to Aurelo.

15. Dispute Resolution; Arbitration; Class Action Waiver

15.1 Informal resolution first

Before filing any legal claim, you agree to contact Aurelo at support@getaurelo.app and give us thirty (30) days to resolve the issue informally. Many disputes can be resolved this way without the cost or delay of arbitration.

15.2 Binding individual arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, the App, the website, or your relationship with Aurelo will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, except as modified by this Section 15.

The arbitration will be conducted in the State of Texas or, at your election, by telephone or video conference. The arbitrator’s decision will be final and may be entered as a judgment in any court of competent jurisdiction.

For claims under $10,000, Aurelo will pay all AAA filing and administrative fees.

15.3 Class action waiver

YOU AND AURELO EACH AGREE THAT ANY DISPUTE WILL BE BROUGHT ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. YOU WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS-WIDE ARBITRATION OR CLASS ACTION.

If a court determines that the class action waiver in this Section 15.3 is unenforceable as to a particular claim, that claim (and only that claim) will proceed in court rather than in arbitration. The remainder of this Section 15 remains in effect.

15.4 Carve-outs

Either party may bring an individual action in small-claims court if the claim qualifies. Either party may seek emergency injunctive relief in court to protect intellectual property rights or prevent imminent and irreparable harm. Neither such action waives any other rights under this Section 15.

16. Changes to These Terms

We may update these Terms from time to time. Non-material changes (such as typo corrections or formatting updates) take effect immediately upon posting. For material changes, we will give you at least fourteen (14) days’ notice by email or in-App notification before the new Terms take effect. Continued use of Aurelo after the effective date of revised Terms constitutes your acceptance of the revised Terms.

17. Termination

You may stop using Aurelo at any time and request account deletion by emailing support@getaurelo.app or by using the in-App account deletion flow. Account deletion takes effect on completion of the in-App flow or our processing of your email request.

Aurelo may suspend or terminate your account at any time, with or without notice, for any violation of these Terms or for any conduct that Aurelo determines, in its reasonable discretion, to be harmful to other users, to Aurelo, or to third parties.

Sections 11 (Intellectual Property), 12 (Disclaimers), 13 (Limitation of Liability), 14 (Indemnification), 15 (Dispute Resolution), and 18 (Governing Law) survive termination.

18. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs the arbitration provisions of Section 15. Subject to Section 15, the state and federal courts located in Webb County, Texas have exclusive jurisdiction over any claim not subject to arbitration.

19. Apple App Store and Google Play Additional Terms

If you obtained the App from the Apple App Store, you acknowledge and agree that Apple Inc. is not a party to these Terms and is not responsible for the App or its content. Apple has no obligation to provide maintenance or support for the App. Apple is a third-party beneficiary of these Terms and may enforce them against you. App Store usage is also governed by Apple’s Licensed Application End User License Agreement.

If you obtained the App from Google Play, you acknowledge and agree that Google LLC is not a party to these Terms and is not responsible for the App or its content. Google Play usage is also governed by Google Play’s Terms of Service.

20. Miscellaneous

These Terms, together with the Privacy Policy, the Savings Recommendations Disclaimer, the How Aurelo Makes Money disclosure, the Subscription Terms, and (if applicable) the Founding Member Program Terms, constitute the entire agreement between you and Aurelo and supersede any prior agreements. If any provision is held unenforceable, the remaining provisions remain in effect. Aurelo’s failure to enforce any provision is not a waiver. You may not assign these Terms; Aurelo may assign these Terms to any successor.

21. Contact

Questions about these Terms?

Email: support@getaurelo.app Web: getaurelo.app