Terms of Service

By creating an account or using the service operated by Keeping Up Inc, a Delaware corporation ("Keeping Up," "Service," "we," "us," or "our"), you agree to these Terms of Service ("Terms") and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

Electronic Signatures (E-SIGN Act). By creating an account, you affirmatively consent to use electronic records and signatures in connection with our relationship and to receive all notices, agreements, and disclosures electronically. You may withdraw this consent by closing your account; you can request a paper copy of any agreement or disclosure at any time at legal@keepingup.com at no charge.

These Terms form a binding legal agreement between you and Keeping Up Inc. They include important provisions limiting our liability and governing how disputes are resolved.

Keeping Up Inc is a personal finance benchmarking platform. You can connect financial accounts via Plaid Technologies, Inc. ("Plaid") to see how your spending, savings, and net worth compare to anonymised peer cohorts. The Service includes:

• Dashboard analytics, KPI cards, and peer comparisons
• AI-generated insights and a chat-based AI advisor
• Spending, debt, goal, asset, subscription, and bill tracking
• Optional household plans with combined-finance views
• Optional weekly, monthly, or quarterly digest emails
• Product recommendations (some sponsored — labelled as such)
• Optional iOS-only location-based spending alerts
• A referral program that rewards Pro time when invited friends sign up

We may add, modify, or discontinue features at any time, with reasonable notice for material changes.

You must be at least 18 years of age and a resident of the United States to use the Service. By creating an account, you represent and warrant that you meet these requirements and that the information you provide is accurate.

The Service is not intended for, and we do not knowingly collect information from, anyone under 18. If we learn we have collected information from a person under 18, we will delete it.

You are responsible for: (a) maintaining the confidentiality of your account credentials, (b) all activity that occurs under your account, and (c) keeping your contact information current. You must notify us immediately at legal@keepingup.com if you suspect unauthorised access.

You may not share your account, sell your account, or allow another person to use your credentials. Each person must create their own account.

Multi-factor authentication. We strongly recommend that you enable multi-factor authentication (MFA) on your account, especially if you have connected one or more financial accounts. MFA can be enabled at any time from Settings → Security and is managed by our authentication provider, Clerk. Backup codes are provided at the time of enrollment and should be saved in a secure location; without backup codes, loss of your authenticator device may result in temporary loss of account access until identity is verified.

To use core features, you will connect financial accounts through Plaid. Before any institution connection, you will be presented with Plaid's end-user disclosure and must accept Plaid's End User Privacy Policy. By connecting accounts, you grant Plaid permission to access your account data on our behalf.

We receive read-only access. We cannot initiate transactions, move money, or modify your accounts in any way.

You can disconnect any institution at any time from Settings. Disconnecting stops future syncing. To delete historical data already imported, request account deletion (Section 13) or contact legal@keepingup.com.

The Service is not a financial advisor. Keeping Up Inc is not a registered investment adviser, broker-dealer, or financial planner. The AI advisor, insights, recommendations, suggested goals, product recommendations, and any other algorithmic output are informational only and do not constitute financial, investment, tax, accounting, or legal advice.

AI output may be inaccurate, incomplete, or out of date. You should independently verify any number, projection, or recommendation before acting on it. Always consult a qualified professional for advice tailored to your circumstances.

Product recommendations. Some product recommendations (high-yield savings accounts, brokerages, credit cards, refinance partners, etc.) are commercial relationships in which we may receive compensation if you click through and open an account or take some other action. Recommendations of this kind are clearly labelled as "Sponsored" or "Partner" in the product card. Compensation never affects whether or how peer benchmarks are computed, and we do not share your individual financial data with these partners.

The Service offers a free tier and a Pro subscription. Pro subscription fees are charged in advance on a monthly or annual basis via Stripe. Current pricing is shown at the point of upgrade.

Auto-renewal disclosure. Pro subscriptions automatically renew at the end of each billing period at the then-current price. You will continue to be charged on a recurring basis until you cancel. You can cancel at any time from Settings → Plan & Billing → Manage subscription, or by contacting us.

How to cancel. Cancellation takes effect at the end of your current billing period. You retain Pro access until that date.

Free trials. If you provide a payment method when starting a free trial, it will be charged the applicable subscription fee when the trial ends unless you cancel first; we will send a reminder beforehand. If you start a free trial without providing a payment method, you will not be charged — your account simply moves to the Free plan when the trial ends.

Refunds. All fees are non-refundable except as required by applicable law or at our sole discretion. California, New York, and several other jurisdictions provide statutory cancellation or refund rights for auto-renewing subscriptions; nothing in these Terms waives any non-waivable statutory right. To request a refund, contact legal@keepingup.com.

Price changes. We may change Pro pricing with at least 30 days' advance notice by email and in-app notice. New pricing applies to renewals on or after the effective date; you can cancel before the renewal if you do not wish to accept the new price.

Inactivity — Plaid connection pause. To control infrastructure costs we incur on your behalf, if you maintain an active Pro subscription but do not access the Service for 120 consecutive days, we may pause your Plaid bank connections. Your subscription remains active and continues to bill on its normal schedule; we are pausing only the per-Item connection fees we pay to Plaid, not your access to the Service. Your account, profile, transaction history, goals, and aggregate benchmark contributions all remain intact. You will receive an email reminder before any connection is paused, and the next time you sign in we will prompt you to reconnect any paused institutions in a single tap. Free-tier accounts are subject to a similar inactivity policy at 60 days, which is described separately in your free-tier agreement at sign-up.

You may invite one or more household members (typically a partner) to share a combined view of your finances. Before creating or accepting a household, the inviter and invitee each see and acknowledge what is and is not shared.

Shared with household members: combined household totals (net worth, savings rate, monthly spending and income), each member's individual account-level totals (their net worth, savings rate, etc.), and connection status.

Not shared: individual transactions, individual goals, individual custom assets and debts not summed into the totals above, AI advisor conversations, settings, or any communications with us.

Any member may leave at any time. The household owner may dissolve the household, which removes member associations and deletes the household record within 24 hours. By creating or accepting a household, you confirm that you have the right to share your account-level financial summary with the other listed members.

Our referral program is governed by the separate Referral Program Terms, which form part of these Terms by reference. Among other things, those terms require that when you share your referral link you disclose any material connection to Keeping Up Inc as required by FTC Endorsement Guides (16 C.F.R. Part 255).

You agree not to:

• Use the Service for any unlawful purpose, or in violation of any applicable law or regulation
• Attempt to reverse-engineer, decompile, scrape, crawl, or extract data from the Service except as permitted by law
• Use any automated means to access the Service except for permitted public APIs
• Share your account, sell your account, or use multiple accounts to evade limits
• Provide false or misleading information when registering or in your profile
• Use the Service to harm, harass, defraud, or impersonate any person
• Probe, scan, or test the vulnerability of any system, or breach security or authentication measures
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to facilitate money-laundering, terrorist financing, or any sanctioned activity
• Attempt to abuse the referral program through self-referral, fraudulent signups, or sybil attacks

Our IP. Keeping Up Inc and its licensors own all rights in and to the Service, including software, design, brand assets, trademarks, copyrights, and aggregated benchmark data. These Terms do not grant you any ownership rights. You may not copy, modify, distribute, or create derivative works of the Service except as expressly permitted.

Your content. You retain ownership of your personal financial data and any content you create within the Service (goals, custom assets, debts, advisor conversations, support messages, etc.). You grant Keeping Up Inc a worldwide, non-exclusive, royalty-free licence to host, store, transmit, and use your content solely as necessary to operate the Service for you and to compute and improve aggregate, anonymised benchmarks. This licence terminates when you delete the content or your account, except for backups (which are purged within 30 days) and for aggregate, anonymised data that has already been incorporated into benchmarks.

Feedback. If you submit feedback, suggestions, or feature requests, you grant us a perpetual, royalty-free licence to use them without obligation to you.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

KEEPING UP INC IS NOT A FINANCIAL ADVISOR, BROKER-DEALER, INVESTMENT ADVISER, ACCOUNTANT, OR LEGAL COUNSEL. NOTHING IN THE SERVICE CONSTITUTES FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR YOUR FINANCIAL DECISIONS. ALWAYS CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING SIGNIFICANT FINANCIAL DECISIONS.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT INFORMATION OBTAINED THROUGH THE SERVICE IS ACCURATE OR RELIABLE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KEEPING UP INC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, REVENUE, PROFITS, GOODWILL, OR USE, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

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 LIABILITY THAT CANNOT BE LIMITED BY APPLICABLE LAW.

You may close your account and request deletion of all associated personal data at any time by visiting Settings → Account → Delete account, or by emailing legal@keepingup.com.

Under normal operating conditions, we process deletion requests within 7 days of confirmation. If a system failure, backup-restore process, or other operational event delays processing, we will notify you and complete deletion as soon as practicable, and in any case within 45 days as required by California Civil Code § 1798.130 and similar laws. Encrypted backups are purged within 30 days of live deletion.

Aggregate, anonymised benchmark data derived from your data may be retained indefinitely. Once aggregated and stripped of identifiers, this data is not associated with you.

We may retain certain information after deletion if required by law (e.g. tax records, fraud investigation) or if necessary to enforce our rights or prevent abuse.

We may suspend or terminate your account at any time for material violation of these Terms, suspected fraud, abuse, or as required by law. We may also discontinue the Service in whole or in part with reasonable notice (typically 30 days) where feasible. Upon termination, your right to access the Service ends, but the provisions that by their nature should survive (Sections 11–17 in particular) will continue to apply.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Subject to the next paragraph, any dispute shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction there.

Statutory consumer rights. Nothing in this Section limits any non-waivable consumer protection right under the laws of your state of residence, including without limitation the California Consumer Privacy Act / California Privacy Rights Act, the California Automatic Renewal Law, the New York General Business Law § 527-a, or similar laws. Such claims may be brought in the venue and under the law specified by those statutes.

Small claims. You may bring a qualifying claim in small-claims court in your county of residence in lieu of bringing it in Delaware.

We may update these Terms. Material changes — for example, changes that expand your obligations, reduce your rights, change the dispute-resolution provisions, or change pricing — will be communicated by email and an in-app notice at least 14 days before they take effect, and will require your explicit acknowledgment before you can continue using the Service. Non-material changes (typo corrections, clarifications, vendor link updates) take effect upon posting; we will update the Effective date.

If you do not accept material changes, you may close your account before they take effect; the previous version of the Terms will continue to govern your use of the Service until that date.

By creating an account, you consent to receive service-related communications from us — for example, account verification, security alerts, billing notices, deletion confirmations, and material changes to these Terms or the Privacy Policy — at the email address on file. You cannot opt out of service communications without closing your account. Marketing emails (digests, promotions, referral nudges) are sent only with your consent and you can opt out at any time without affecting service communications.

Entire agreement. These Terms, together with the Privacy Policy and the Referral Program Terms, are the entire agreement between you and us regarding the Service and supersede any prior agreements.

Severability. If any provision is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

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

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

Force majeure. We are not liable for failure or delay caused by events beyond our reasonable control, including natural disaster, war, civil unrest, government action, internet or hosting outages, or actions of third-party providers.

Headings. Section headings are for convenience only and do not affect interpretation.

Questions about these Terms? Email legal@keepingup.com.

Postal address available on request.