Terms of Service

1. Introduction

These Terms of Service ("Terms") are a binding agreement between you and TwoVector LLC, 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, our Consumer Health Data Privacy Policy, and our Refund 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, real estate and market research, 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 at twovector.com/pricing.

TwoVector is a software tool, not a bank, broker-dealer, investment adviser, accountant, tax preparer, healthcare provider, or law firm. See Section 11 (Disclaimers) for important limits on what the Service is and is not.

We may offer features labeled as beta, preview, or experimental. These features are provided for evaluation, may change or be discontinued at any time, and may be less reliable than the rest of the Service.

3. Accounts & Eligibility

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, household sharing or an admin acting on an organization's account).

You must notify us promptly at support@twovector.com if 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. The Service is not directed to, and may not be used by, children.

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 16 (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. 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.

By starting a paid subscription, you expressly authorize us (through Stripe) to charge your payment method the applicable subscription fee, plus any applicable taxes, at the start of each billing period on a recurring basis until you cancel. 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 — online, in the same medium you used to subscribe, with no need to call or email. 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 our Refund 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, along with information about how to cancel. 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;
• record any person without the consent required by applicable law (see Section 6.4), or use the Service to violate another person's privacy or publicity rights;
• 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;
• circumvent or attempt to circumvent plan limits, usage quotas, or trial restrictions, including by creating multiple accounts;
• 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 is unlawful, infringes another person's rights, or violates their privacy;
• use the Service to develop a competing product, or resell, sublicense, or provide the Service to third parties as your own product without our prior written consent; or
• misrepresent AI-generated output from the Service as human-created professional advice when providing it to others.

We may suspend or terminate your account for violating this section, as described in Section 15 (Termination).

6. Your Content

6.1 Ownership and License

"Your Content" means the data you connect, upload, or create in the Service — including financial account and transaction data, calendar and contact entries, meeting recordings, transcripts and 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.

6.2 Your Responsibility for Your Content

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). We do not pre-screen Your Content and are not responsible for it, but we may remove or disable access to any content that we reasonably believe violates these Terms or applicable law, and we may suspend or terminate accounts as described in Section 15.

6.3 Sharing Features

Some features let you share data with other users — for example, household sharing makes the accounts and information you mark as shared visible to other members of your household. You control what you share; sharing is your decision, and we are not responsible for what other users do with information you choose to share with them.

6.4 Recordings and Consent

The TwoVector notetaker records and transcribes audio only when you choose to start a recording. Many jurisdictions require the consent of all participants before a conversation is recorded. You are solely responsible for complying with all applicable recording, wiretapping, and privacy laws, and for providing any required notices to — and obtaining any required consents from — every participant before recording or transcribing a conversation.

6.5 Feedback

If you send us suggestions or feedback about the Service, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.

7. AI Features

Vec and other AI-powered features of the Service (including meeting summaries, research reports, and automated insights) are automated artificial intelligence systems, not humans. Content they produce is machine-generated and is not reviewed by a human before it is shown to you.

AI-generated output is probabilistic and can be inaccurate, incomplete, outdated, or misleading — including about your own data. You are responsible for reviewing AI output before relying on it or acting on it, and for any decisions you make based on it. AI-generated content is not financial, investment, tax, legal, medical, or other professional advice (see Section 11).

When you direct Vec to take an action on your behalf (for example, creating a calendar event or categorizing transactions), you authorize that action and should review the result. We are not responsible for actions Vec takes at your direction.

We do not use Your Content to train our own AI models. The third-party AI providers that process AI features, and the limits on what they may do with your data, are described in our Privacy Policy.

AI features depend on third-party model providers and may be subject to usage limits under your plan. We may modify, limit, or suspend AI features where reasonably necessary, including to address cost, abuse, or changes at our providers.

8. Copyright & DMCA

We respect intellectual property rights and expect you to do the same. If you believe content stored or shared through the Service infringes your copyright, send a notice under the Digital Millennium Copyright Act ("DMCA") to our designated agent at support@twovector.com with the subject line "DMCA Notice," including:

1. identification of the copyrighted work you claim has been infringed;
2. identification of the material you claim is infringing and information reasonably sufficient to let us locate it;
3. your name, address, telephone number, and email address;
4. a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law;
5. a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and
6. your physical or electronic signature.

On receipt of a valid notice, we will remove or disable access to the identified material expeditiously and notify the user who provided it. That user may submit a counter-notice meeting the requirements of 17 U.S.C. § 512(g); if we receive a valid counter-notice, we may restore the material in 10 to 14 business days unless the original claimant notifies us that they have filed a court action.

We will terminate the accounts of repeat infringers in appropriate circumstances. Note that under 17 U.S.C. § 512(f), you may be liable for damages if you knowingly materially misrepresent that material is infringing.

9. 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.

10. 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), as well as third-party data sources for market, property, and public-records information. 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 our Privacy Policy for details on what data these providers process.

11. Disclaimers

Vec, our AI assistant, can make mistakes, including about your own data. Data pulled from connected accounts or third-party data sources, 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.

12. 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. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law.

13. Indemnification

To the maximum extent permitted by law, you agree to indemnify and hold harmless TwoVector and its officers, employees, and contractors from and against claims, damages, and reasonable expenses (including reasonable attorneys' fees) brought by a third party arising out of (a) Your Content, including any claim that you recorded a person without required consent; (b) your violation of these Terms or of applicable law; or (c) your violation of any third party's rights. We will notify you promptly of any such claim, and you will not settle any claim on our behalf without our prior written consent.

14. Dispute Resolution & Arbitration

14.1 Informal Resolution First

Before filing a claim, you and we agree to try to resolve any dispute informally. Send a written description of the dispute, your account email, and the relief you are seeking to support@twovector.com; we will do the same by emailing your account address. You and we agree to negotiate in good faith for 60 days from receipt of that notice before starting arbitration or litigation. This step is a requirement before either party may commence a formal proceeding.

14.2 Binding Individual Arbitration

If we cannot resolve a dispute informally, you and TwoVector agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, rather than in court. The Federal Arbitration Act governs the interpretation and enforcement of this Section. The arbitration will be conducted by videoconference or, if either party requests an in-person hearing, in the county where you reside. The arbitrator may award the same relief on an individual basis that a court could award, and the arbitrator's award may be entered in any court of competent jurisdiction.

14.3 Exceptions

Either party may (a) bring an individual claim in small claims court in your county of residence, if the claim qualifies; or (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or prevent unauthorized access to the Service. To the extent a claim for public injunctive relief is non-arbitrable under applicable law, that claim (and only that claim) may proceed in court, with all other claims resolved in arbitration.

14.4 Class Action and Jury Trial Waiver

YOU AND TWOVECTOR EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING. Disputes will be arbitrated only on an individual basis, and the arbitrator may not consolidate more than one person's claims. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court, and the remainder of this Section remains in effect.

14.5 Fees

Arbitration fees are governed by the AAA Consumer Arbitration Rules fee schedule. If your claim is for $10,000 or less and is not frivolous, we will pay all AAA filing, administration, and arbitrator fees beyond the portion equivalent to the court filing fee you would otherwise pay.

14.6 Mass Arbitration

If 25 or more similar demands for arbitration are filed against TwoVector by or with the assistance of coordinated counsel, the arbitrations will be administered under the AAA's Mass Arbitration Supplementary Rules then in effect, including appointment of a process arbitrator and global mediation, before individual arbitrations proceed.

14.7 Opt-Out

You may opt out of this arbitration agreement (Sections 14.2 through 14.6) — with no effect on the rest of these Terms or on your account — by emailing support@twovector.com with the subject line "Arbitration Opt-Out," your name, and your account email address, within 30 days of first accepting these Terms.

14.8 Changes to This Section

If we change this Section 14 after you accept these Terms, the change does not apply to any dispute that arose before the change took effect, and you may reject the change by opting out as described in Section 14.7 within 30 days of the change.

15. Termination

You may stop using the Service and delete your account at any time, as described in our Privacy 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 14 and Section 17 — survive.

16. 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. Changes to Section 14 (Dispute Resolution & Arbitration) are handled as described in Section 14.8.

17. General Provisions

Governing Law. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, except that Section 14 is governed by the Federal Arbitration Act. If you are a consumer, you additionally retain any protections of the mandatory consumer protection laws of the place where you live that cannot be waived by contract.

Entire Agreement. These Terms, together with our Privacy Policy, Consumer Health Data 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.

Force Majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, governmental action, internet or utility failures, or failures of third-party providers.

Export Controls and Sanctions. You may not use the Service in violation of U.S. export control or sanctions laws, and you represent that you are not located in a country or on a list subject to U.S. government embargo or sanctions.

Electronic Communications. You consent to receive notices, disclosures, and other communications from us electronically, by email to your account address or through the Service, and you agree that electronic communications satisfy any legal requirement that a communication be in writing. You can opt out of marketing emails at any time via the unsubscribe link in those emails; we will still send you transactional and service messages (for example, billing receipts and security alerts).

No Third-Party Beneficiaries. These Terms do not create any rights for any person other than you and TwoVector.

18. Contact Us

Questions about these Terms? Email us at support@twovector.com.