Glynto

Terms of Service

Last updated: January 29, 2024
Effective date: January 29, 2024

1. Acceptance of Terms

Welcome to Glynto ("we," "our," or "us"). By accessing or using our personal finance management service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you and Glynto. Please read them carefully. By creating an account or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Important: Our Service is currently in early access beta and is free to use. When we introduce paid subscription tiers, we will notify you at least 60 days in advance, and early access users will receive exclusive pricing benefits.

2. Description of Service

Glynto is a web-based personal finance management platform that helps you:

  • Track net worth across multiple currencies with live exchange rates
  • Manage investment portfolios (stocks, ETFs) with sophisticated cost basis tracking (ACB for Canada, LOTS for US)
  • Organize transactions with CSV import capabilities and categorization
  • Monitor reimbursements for business expenses, loans, and insurance claims
  • Generate financial reports and analytics across multiple accounts and currencies
  • Budgetting and income allocation

The Service is provided "as is" and we reserve the right to modify, suspend, or discontinue features at any time with or without notice.

3. Eligibility and Account Registration

3.1 Age Requirement

You must be at least 13 years old (or 16 in the European Economic Area) to use the Service. If you are under 18, you must have permission from a parent or legal guardian. By using the Service, you represent that you meet these age requirements.

3.2 Account Creation

To use certain features, you must create an account by providing:

  • A valid email address
  • A secure password
  • Agree to this terms of services

3.3 Account Accuracy

You agree to provide accurate, current, and complete information during registration and to update this information as necessary. Providing false or misleading information may result in account termination.

3.4 Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately at security@glynto.com of any unauthorized access or security breach

We are not liable for any loss or damage arising from your failure to protect your account credentials.

3.5 One Account Per Person

You may only create one account per email address. Creating multiple accounts to abuse features, evade restrictions, or circumvent limitations is prohibited and could result the suspension of your account/s.

4. Early Access Beta and Pricing

4.1 Current Beta Status

Glynto is currently in early access beta. All features are free to use while we build and improve the Service with input from users like you. There are no usage limits, payment requirements, or feature restrictions during beta.

4.2 Future Paid Tiers

We plan to introduce paid subscription tiers in the future. When we do:

  • We will provide at least 60 days' advance notice to all users
  • We will clearly communicate pricing, features, and limits for each tier
  • Early access users (anyone who signs up during beta) will receive exclusive pricing benefits (significant discounts or free access to premium features)
  • You will have the option to continue using a generous free tier or upgrade to a paid plan

4.3 Early Adopter Benefits

As an early access user, you will be eligible for one or more of the following benefits when paid tiers launch:

  • Lifetime discount
  • Free access to Pro or Premium features
  • Extended free trial period

We haven't finalized the exact structure yet, but early adopters will receive significantly better pricing than new users who join after paid tiers launch.

5. Subscription and Payments

Coming soon

5.1 Subscription Plans

Coming soon

5.2 Payment Processing

Payments will be processed securely through Stripe, Inc., a certified PCI-DSS Level 1 Service Provider. By subscribing to a paid plan, you authorize Stripe to charge your payment method for:

  • Initial subscription fees
  • Recurring subscription fees (monthly or annually)
  • Any applicable taxes

Your payment information is collected and stored by Stripe, not by Glynto. We never see or access your full credit card number. Stripe's use of your payment information is governed by Stripe's Privacy Policy.

5.3 Billing Cycles

Subscriptions will be billed in advance on a recurring basis (monthly or annually, depending on your selected plan). Your subscription will automatically renew at the end of each billing period unless you cancel.

5.4 Price Changes

We reserve the right to change subscription prices. We will provide at least 30 days' notice of price increases to active subscribers. Price changes will not affect your current billing period—they will take effect at your next renewal.

5.5 Plan Changes and Upgrades

You may upgrade or downgrade your subscription plan at any time from your account settings:

  • Upgrades: Take effect immediately. You will be charged a prorated amount for the remainder of your current billing period.
  • Downgrades: Take effect at the end of your current billing period. You will retain access to your current plan's features until then.

5.6 Refund Policy

When paid tiers launch, we will offer:

  • 30-Day Money-Back Guarantee: If you are not satisfied with a paid subscription within the first 30 days, contact us at support@glynto.com for a full refund.
  • No Refunds for Partial Months: After the 30-day guarantee period, subscription fees are non-refundable. If you cancel, you retain access until the end of your current billing period, but we do not provide prorated refunds.

We may grant refunds at our discretion for exceptional circumstances (e.g., technical issues preventing Service access, billing errors).

5.7 Cancellation

You may cancel your paid subscription at any time from your account settings. Upon cancellation:

  • Your subscription will remain active until the end of your current billing period
  • You will not be charged for subsequent billing periods
  • You may downgrade to the free tier (if available) or delete your account entirely
  • Your data will be retained according to our Privacy Policy

5.8 Free Tier

We plan to maintain a generous free tier even after introducing paid plans. The free tier will have some limitations (e.g., number of accounts, transaction volume, or advanced features), but will remain usable for many users.

Early access users who do not wish to subscribe to a paid plan will be able to continue using the free tier.

6. Third-Party Services

6.1 Plaid (Bank Account Connections)

You will have the option to connect your financial accounts using Plaid Technologies, Inc. ("Plaid"). By using Plaid:

  • You authorize Plaid to access your financial institution accounts on a read-only basis
  • You provide your financial institution credentials directly to Plaid, not to Glynto (we never collect or see your bank credentials)
  • You grant us permission to retrieve transaction data, account balances, and account information from Plaid
  • You acknowledge that your use of Plaid is subject to Plaid's Terms of Service and Privacy Policy

Disconnecting Plaid: You may disconnect your bank accounts from Plaid at any time from your account settings. When you disconnect, we will stop fetching new data, but historical data already imported will remain in your account unless you delete it manually.

Plaid Data Use: Plaid collects and processes your financial data independently. We have no control over Plaid's data practices. Please review Plaid's Privacy Policy for details.

6.2 Market Data Providers

We use third-party services to fetch real-time security prices for your investment holdings. We only share security symbols (e.g., "AAPL," "TSLA") with these providers—not your personal information or holdings quantities.

We are not responsible for the accuracy or availability of market data provided by third-party services. Prices may be delayed or inaccurate due to provider limitations.

6.3 Other Third-Party Services

The Service may integrate with other third-party services. The use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices or content of third-party services. No data will ever be shared with a third-party without your explicit consent.

7. Acceptable Use Policy

7.1 Prohibited Conduct

You agree NOT to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Provide false, inaccurate, or misleading information
  • Impersonate another person or entity
  • Attempt to gain unauthorized access to other users' accounts or our systems
  • Use automated tools (bots, scrapers, crawlers) to access the Service without permission
  • Interfere with, disrupt, or overload the Service or its infrastructure
  • Upload viruses, malware, or other harmful code
  • Reverse engineer, decompile, or attempt to extract source code from the Service
  • Resell, redistribute, or provide access to the Service to third parties without authorization
  • Use the Service to spam, harass, or harm others
  • Violate any third-party rights (intellectual property, privacy, publicity)
  • Remove or modify any copyright, trademark, or proprietary notices

7.2 Consequences of Violation

Violation of this Acceptable Use Policy may result in:

  • Immediate termination of your account without refund
  • Removal of your data from our systems
  • Legal action to recover damages or enforce these Terms
  • Reporting to law enforcement authorities if illegal activity is suspected

8. User Content and Data Ownership

8.1 Your Data

You retain all ownership rights to the financial data and content you input into the Service ("Your Data"). This includes:

  • Transaction data, account information, investment holdings
  • Categories, budgets, notes, and custom settings
  • Any other information you provide

8.2 License to Us

By using the Service, you grant us a limited, non-exclusive, royalty-free license to use, store, process, and display Your Data solely to:

  • Provide, maintain, and improve the Service
  • Generate calculations, reports, and analytics for you
  • Ensure security and prevent fraud
  • Comply with legal obligations

We do NOT claim ownership of Your Data. We do NOT use Your Data for advertising or sell it to third parties. See our Privacy Policy for details on how we handle data.

8.3 Data Accuracy and Responsibility

You are solely responsible for:

  • The accuracy and completeness of Your Data
  • Verifying calculations, reports, and analytics generated by the Service
  • Making financial decisions based on Your Data

While we strive for accuracy, Glynto is a tool to help you organize financial information. It is not a substitute for professional financial, investment, tax, or legal advice. Always verify important information and consult qualified professionals for financial decisions.

8.4 Data Backup and Availability

While we perform regular backups, we recommend that you export your data periodically for your own records. We are not liable for data loss due to technical failures, user error, or other causes.

8.5 Data Export

You may export Your Data at any time in CSV or JSON format. There are no fees or restrictions on data export.

8.6 Data Deletion

You may delete your account and all associated data at any time from your account settings. Deletion is permanent and cannot be undone. We will permanently delete your data within 30 days, except as required by law. See our Privacy Policy for details.

9. Intellectual Property

9.1 Our Ownership

The Service, including its design, features, functionality, code, graphics, user interface, and all content (excluding Your Data), is owned by Glynto and protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

9.2 Trademarks

"Glynto" and our logo are trademarks of Glynto. You may not use our trademarks without prior written permission.

9.3 Limited License to Use the Service

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.

9.4 Restrictions

You may not:

  • Copy, modify, or create derivative works of the Service
  • Reverse engineer or decompile the Service
  • Remove or alter any copyright, trademark, or proprietary notices
  • Use the Service to build a competing product or service

10. Disclaimers and Limitations of Liability

10.1 No Financial Advice

Glynto does NOT provide financial, investment, tax, or legal advice. The Service is a tool for organizing and analyzing your own financial data. Any information, reports, or analytics generated by the Service are for informational purposes only and should not be considered professional advice.

You are solely responsible for your financial decisions. Always consult qualified professionals (financial advisors, accountants, tax professionals, attorneys) before making important financial decisions.

10.2 "As Is" and "As Available"

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

  • Warranties of merchantability, fitness for a particular purpose, or non-infringement
  • Warranties that the Service will be uninterrupted, error-free, or secure
  • Warranties regarding the accuracy, reliability, or completeness of content or data

10.3 Service Availability

We strive for high availability but do not guarantee uninterrupted access. The Service may be unavailable due to:

  • Scheduled maintenance or upgrades
  • Technical failures, network outages, or server issues
  • Third-party service disruptions (e.g., Plaid, Stripe, market data providers)
  • Force majeure events (natural disasters, cyberattacks, government actions)

10.4 Third-Party Data

We rely on third-party providers for market prices, exchange rates, and bank transaction data. We are not responsible for:

  • Accuracy, timeliness, or completeness of third-party data
  • Delays, errors, or omissions in third-party data
  • Unavailability of third-party services

10.5 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GLYNTO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES ARISING FROM:

  • Your use of or inability to use the Service
  • Errors, bugs, or interruptions in the Service
  • Loss or corruption of Your Data
  • Unauthorized access to or alteration of Your Data
  • Statements or conduct of third parties on or through the Service
  • Financial decisions made based on information from the Service
  • Any other matter relating to the Service

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Glynto, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another person or entity
  • Your Data or any content you submit to the Service
  • Your negligence or willful misconduct

12. Changes to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

  • Post the updated Terms on this page with a new "Last Updated" date
  • Notify you via email at the address associated with your account
  • Display a prominent notice in the Service

Your Acceptance: Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and may delete your account.

Material Changes: For material changes that affect your rights (e.g., changes to liability limitations, dispute resolution, or refund policies), we will provide at least 30 days' notice before the changes take effect.

13. Account Termination

13.1 Termination by You

You may terminate your account at any time by:

  • Navigating to your account settings
  • Selecting "Delete Account"
  • Confirming deletion

Upon termination, we will delete your account and data according to our Privacy Policy. If you have an active paid subscription, termination does not entitle you to a refund (except during the 30-day money-back guarantee period).

13.2 Termination by Us

We reserve the right to suspend or terminate your account at any time, with or without cause or notice, including but not limited to:

  • Violation of these Terms or our Acceptable Use Policy
  • Fraudulent, abusive, or illegal activity
  • Non-payment of subscription fees
  • Account inactivity for an extended period
  • At our sole discretion for any other reason

If we terminate your account for cause (e.g., Terms violation), you are not entitled to a refund. If we terminate your account without cause, we will provide a prorated refund for any unused portion of a paid subscription.

13.3 Effect of Termination

Upon termination:

  • Your right to access and use the Service immediately ceases
  • We will delete your account and data according to our retention policies
  • You remain liable for any outstanding obligations (e.g., unpaid fees)
  • Provisions of these Terms that by their nature should survive termination will survive (e.g., intellectual property, disclaimers, limitations of liability, indemnification, governing law)

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws applicable in your jurisdiction, without regard to conflict of law principles.

14.2 Informal Resolution

Before initiating formal dispute resolution, please contact us at legal@glynto.com to attempt to resolve the dispute informally. Most disputes can be resolved quickly through direct communication.

14.3 Arbitration

Any disputes arising from or relating to these Terms or the Service shall be resolved through binding arbitration, except where prohibited by law. Arbitration is more informal than a lawsuit in court and uses a neutral arbitrator instead of a judge or jury.

Exceptions: You may bring claims in small claims court if they qualify. Either party may seek injunctive relief in court to protect intellectual property rights.

14.4 Class Action Waiver

You agree to resolve disputes with us on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration, except where prohibited by law.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Glynto regarding the Service and supersede all prior agreements or understandings.

15.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

15.3 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

15.4 Assignment

You may not assign or transfer these Terms or your account to any third party without our prior written consent. We may assign or transfer these Terms and our rights and obligations to any third party (e.g., in connection with a merger, acquisition, or sale of assets) without your consent.

15.5 Force Majeure

We are not liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to natural disasters, war, terrorism, cyberattacks, government actions, network outages, or third-party service disruptions.

15.6 Notices

We may provide notices to you via email at the address associated with your account or through the Service. You are responsible for keeping your email address current. Notices sent by email are deemed received 24 hours after sending.

16. Contact Us

If you have questions, concerns, or requests regarding these Terms, please contact us:

Email Addresses:

We will respond to your inquiry within 30 days.

By using Glynto, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Thank you for trusting us with your financial data.