Terms of Service

1. Introduction

These Terms of Service ("Terms") are a binding agreement between you and[ENTITY NAME], LLC formation pending ("TwoVector," "we," "us," or "our"), the operator of TwoVector, an all-in-one personal finance, work, and life management application available at app.twovector.com (the "Service"). By creating an account, or by otherwise accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

These Terms incorporate by reference our Privacy Policy and ourRefund Policy. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to both you and that organization.

2. The Service

TwoVector helps you track and manage financial accounts, calendars, contacts, meetings, notes, files, health and nutrition data, and related information in one place, together with an AI assistant ("Vec") that can read and, where you permit it, act on that information. Specific features available to you depend on your plan, described in Section 4 and attwovector.com/pricing.

TwoVector is a software tool, not a bank, broker-dealer, investment adviser, accountant, tax preparer, healthcare provider, or law firm. See Section 9 (Disclaimers) for important limits on what the Service is and is not.

3. Accounts

You must provide accurate, current, and complete information when creating an account and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

Each account is for use by one individual. You may not share your login credentials with another person or allow another person to access the Service through your account, except where the Service explicitly provides for shared or delegated access (for example, an admin acting on an organization's account).

You must notify us promptly at support@twovector.comif you suspect unauthorized use of your account or any other breach of security. We are not liable for any loss arising from your failure to safeguard your credentials.

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Service.

4. Plans, Trial & Billing

4.1 Plans

TwoVector offers a Free plan and two paid plans, Pro and Premium. Current features and limits for each plan are described at twovector.com/pricing, which is incorporated into these Terms by reference. We may introduce, modify, or discontinue plans or features from time to time, subject to Section 12 (Changes to These Terms) for any change affecting your paid subscription.

4.2 Free Trial

New accounts receive a 30-day free trial of the Pro plan. No payment method is required to start a trial. At the end of the 30-day trial period, your account automatically converts to the Free plan unless you upgrade to a paid plan before the trial ends. You will not be charged automatically at the end of a trial you have not upgraded.

4.3 Paid Subscriptions

Paid plans are billed in advance on a recurring basis, either monthly or annually, at the rate in effect at checkout: Pro is $12/month or $96/year; Premium is $24/month or $192/year. All fees are billed and processed by our payment processor, Stripe, and are stated and charged in U.S. dollars unless otherwise noted at checkout.

Subscriptions renew automatically at the end of each billing period at the then-current rate for your plan, unless you cancel before the renewal date.

4.4 Cancellation

You may cancel your subscription at any time from your account's billing settings. Cancellation takes effect at the end of your current billing period; you will retain access to your plan's features through that date, and you will not be charged for the following period. We do not provide partial-period refunds for cancellation except as set out in ourRefund Policy.

4.5 Changing Plans

You may upgrade or downgrade your plan at any time. Stripe automatically prorates the difference in cost for the remainder of the current billing period when you change plans.

4.6 Price Changes

We may change the price of a plan going forward. If we do, we will give you at least 30 days' notice by email or in-app notice before the new price applies to your next renewal. Continuing to use a paid plan after a price change takes effect constitutes acceptance of the new price.

4.7 Refunds

Refunds are governed by our Refund Policy.

5. Acceptable Use

You agree not to:

• use the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation;
• probe, scan, or test the vulnerability of the Service, or attempt to circumvent any security or authentication measure;
• interfere with, overload, or disrupt the Service or the servers or networks connected to it, including through excessive automated requests;
• reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying ideas, or algorithms of the Service, except to the extent applicable law expressly permits this despite the restriction;
• use any automated means (bots, scrapers, or similar) to access the Service outside of any API we expressly provide;
• upload or transmit malicious code, or content that infringes another person's rights or violates their privacy; or
• resell, sublicense, or provide the Service to third parties as your own product without our prior written consent.

We may suspend or terminate your account for violating this section, as described in Section 11 (Termination).

6. Your Content

"Your Content" means the data you connect, upload, or create in the Service — including financial account and transaction data, calendar and contact entries, meeting notes, files, health and nutrition entries, and messages you send to Vec. You retain all ownership rights in Your Content.

You grant us a limited, worldwide, non-exclusive license to host, store, process, transmit, and display Your Content solely as necessary to provide, maintain, secure, and improve the Service, and as described in our Privacy Policy. This license ends when Your Content is deleted from the Service, subject to our backup and legal retention practices described in the Privacy Policy.

You are solely responsible for Your Content and for ensuring you have the right to provide it to us, including any data belonging to third parties (for example, contacts you add to the Service).

7. Our Intellectual Property

The Service — including its software, design, text, graphics, and the TwoVector name and logo, but excluding Your Content — is owned by us or our licensors and is protected by intellectual property laws. These Terms do not grant you any right to use our trademarks, logos, or branding without our prior written consent.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes.

8. Third-Party Services

The Service relies on third-party providers to deliver certain features, including Plaid (bank account connections), Anthropic (AI processing for Vec), Deepgram (voice transcription), Stripe (billing), and Amazon Web Services (hosting). Your use of features backed by these providers is also subject to their applicable terms, to the extent disclosed to you in the Service. We are not responsible for the acts or omissions of third-party providers, though we take reasonable care in choosing them. See ourPrivacy Policy for details on what data these providers process.

9. Disclaimers

Vec, our AI assistant, can make mistakes, including about your own data. Data pulled from connected accounts, calculations, and AI-generated content may contain errors, omissions, or delays; verify anything important against your financial institution's or provider's own records before relying on it.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TWOVECTOR AND ITS OFFICERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE TOTAL FEES YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100) IF YOU HAVE NOT PAID US ANY FEES IN THAT PERIOD.

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

11. Termination

You may stop using the Service and delete your account at any time, as described in ourPrivacy Policy. We may suspend or terminate your access to the Service, with or without notice, if you materially breach these Terms, if we reasonably believe your use poses a security or legal risk to TwoVector or other users, or if required to comply with applicable law.

On termination, your right to use the Service ends immediately. Sections that by their nature should survive termination — including Sections 6 through 10, 12, and 13 — survive.

12. Changes to These Terms

We may update these Terms from time to time. If we make a material change, we will notify you by email or through an in-app notice at least 14 days before the change takes effect. Your continued use of the Service after a change takes effect constitutes acceptance of the updated Terms. If you do not agree to a change, you must stop using the Service and may cancel your subscription before the change takes effect.

13. General Provisions

Governing Law. These Terms are governed by the laws of[JURISDICTION], without regard to conflict-of-law principles.

Entire Agreement. These Terms, together with our Privacy Policy and Refund Policy, are the entire agreement between you and us regarding the Service and supersede any prior agreements on this subject.

Severability. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

No Waiver. Our failure to enforce a provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

14. Contact Us

Questions about these Terms? Email us atsupport@twovector.com.