Terms of Use

1. Agreement to these terms

These Terms of Use (“Terms”) govern your access to and use of the Optimint website at optimint.io, the Optimint application at app.optimint.io, and related services (collectively, the “Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. The Optimint Service

Optimint provides software that helps households organize financial information, view summaries, and identify possible next steps. The Service is provided for personal, household use and may change over time as we add, remove, or improve features.

We do not promise that the Service will always be available, error-free, complete, or suitable for every household or financial situation.

Shared households. The Service lets more than one person access a household. Everyone with access has equal read and write permissions; there are no roles. Anyone with access can invite others, cancel invitations, remove another participant, or leave. Joining a household does not move or merge records: existing households stay separate, and a household’s records and history are kept when a participant leaves or is removed. Bank connections belong to the household and continue syncing for the remaining participants. Only a household’s sole participant may delete it.

3. Financial information and recommendations

Optimint is a software product and educational resource. It is not a bank, broker-dealer, investment adviser, tax adviser, accountant, insurance provider, law firm, or fiduciary, and it does not execute transactions or hold your money. Nothing in the Service creates an advisory, fiduciary, banking, brokerage, tax, accounting, insurance, or attorney-client relationship.

The Service may organize information you enter, calculate summaries, and identify a recommended action using rules, estimates, and assumptions. Outputs may be tailored to the information you enter, but they are not comprehensive personalized advice, a recommendation to buy or sell a security or financial product, or a substitute for advice from a qualified professional. Optimint does not consider every fact about your circumstances, and a result may be incomplete or unsuitable for you.

Results depend on the information you provide and the rules and assumptions we choose to model. They may be wrong or out of date when information is missing, stale, entered incorrectly, or outside the scope of our calculations. We do not guarantee savings, investment performance, tax results, debt reduction, eligibility, or any other financial outcome. You are responsible for reviewing your information, checking assumptions and applicable rules, and deciding whether or how to act.

Goal tracking is a planning tool. When you earmark part of an account toward a goal, that earmark is bookkeeping only: it does not move money, change account balances, or change your net worth. Goal progress and any estimated monthly amount are simple calculations based on the amounts you enter and your recorded balances; they assume no growth and do not establish that a goal is affordable or that funds will be available when the goal is due.

Do not use the Service as the sole basis for an investment, tax, debt, insurance, employment, legal, or other consequential decision. Before acting, consider consulting a qualified professional who understands your circumstances and can provide advice appropriate to your situation.

If you choose to connect a financial institution, Optimint retrieves read-only account metadata and current balances through a third-party financial-data provider (Stripe Financial Connections or Plaid) and uses them to display accounts, record balance history, and calculate net worth and related summaries. Connecting does not give Optimint the ability to move money, make payments, or change your accounts, and Optimint does not receive your bank credentials. Connected balances are provided by your institution and third-party providers, may be delayed or incomplete, are not real-time, and may be unavailable if an institution is down or a particular account type is unsupported. Optimint does not guarantee the accuracy, completeness, or timeliness of connected data and is not responsible for errors or delays from your institution or the provider. Active Plaid connections are also refreshed automatically on weekday mornings, subject to provider and institution availability and limits.

4. Your account

Some features require an account. You agree to provide information that is accurate and current, keep your login credentials confidential, and promptly tell us if you suspect unauthorized access. If you turn on two-factor authentication or register a passkey, you are also responsible for safeguarding your backup codes and the devices or authenticators that hold your sign-in methods. You are responsible for activity under your account, except to the extent caused by our failure to use reasonable security measures.

You must be legally able to enter into these Terms. The Service is not directed to children under 13, and you may not use it if you are prohibited from receiving services under applicable law.

Optimint is currently available by invitation only while it is in its pilot. Submitting a request for an invite does not create an account or guarantee access. We may approve, decline, or withdraw invitations at our discretion, and we may limit the number of accounts while the pilot is running.

You are responsible for the people you invite to a shared household. Inviting someone grants them full access to that household’s information, so only invite people you are comfortable sharing it with and who are authorized to access the accounts involved. Access ends immediately when a participant leaves or is removed, but information already recorded in the household remains available to the remaining participants.

5. Information you provide

You retain ownership of information you submit to the Service. You give Optimint permission to host, process, reproduce, and display that information as reasonably necessary to provide, secure, maintain, and improve the Service.

You represent that you have the right to provide information you submit, including information about members of your household, and that your use of the Service will not violate another person’s rights. Do not submit passwords, authentication codes, or information you are not authorized to provide.

Inviting someone to a household involves sharing their email address with us so we can deliver the invitation and related household notifications. By sending an invitation, you represent that you are authorized to share that information and to offer access to the household’s information. Household members may be recorded as people without their own login; that does not by itself give them access to the Service.

If you connect an institution, you represent that you are authorized to access the accounts you link and to share the limited account metadata and balance information described in our Privacy Policy with Optimint and its financial-data provider for the purposes of the Service.

6. Acceptable use

You may not:

• use the Service unlawfully, fraudulently, or to harm another person;
• attempt to access another person’s account or information;
• interfere with, overload, probe, scan, or test the Service or its security;
• copy, resell, sublicense, or commercially exploit the Service without our permission;
• reverse engineer or attempt to extract source code, except where applicable law permits it; or
• use automated means to scrape or collect information from the Service in a way that burdens or abuses it.

7. Feedback

If you send us suggestions, ideas, or feedback, you allow us to use and share it without restriction or compensation to you. This does not give us permission to publicly identify you or disclose your private financial information as feedback.

8. Ownership

Optimint and its licensors own the Service, including its software, design, text, graphics, trademarks, and other content, except for information submitted by users or content owned by third parties. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service for your personal, non-commercial use while you comply with these Terms.

9. Third-party services

The Service may rely on or link to third-party services, including hosting, analytics, email, financial data aggregation, and other infrastructure providers. When you connect an institution, the connection is provided through Stripe Financial Connections or Plaid. We are not responsible for third-party services, content, availability, security, or practices. Your use of a third-party service may be subject to that provider’s own terms and privacy policy.

10. Privacy

Our Privacy Policy explains how we collect, use, disclose, and protect information in connection with the Service. By using the Service, you acknowledge that you have read that policy.

11. Suspension and termination

You may stop using the Service at any time. We may suspend or terminate access if we reasonably believe you violated these Terms, created security or legal risk, or used the Service in a way that could harm Optimint or others. We may also discontinue or materially change the Service.

If your account is terminated, your access to shared households ends. Shared households you created may continue to exist for their remaining participants, and records in those households are retained for them as described in our Privacy Policy. If you are the sole participant of a household, terminating your account ends that household.

Sections that by their nature should continue after termination (including ownership, disclaimers, limitations of liability, dispute terms, and general provisions) will continue to apply.

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” OPTIMINT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY.

OPTIMINT DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY RESULT OR RECOMMENDATION WILL BE ACCURATE OR BENEFICIAL.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPTIMINT AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR OPPORTUNITIES, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPTIMINT’S TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID OPTIMINT FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR ONE HUNDRED U.S. DOLLARS.

14. Changes to these Terms

We may update these Terms as the Service or applicable law changes. We will post updated Terms and change the “Last updated” date. If a change materially affects your rights or obligations, we will provide additional notice when required. Your continued use of the Service after updated Terms take effect means you accept them.

15. General terms

These Terms, together with the Privacy Policy and any additional terms presented for a specific feature, are the agreement between you and Optimint regarding the Service. If a provision is unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not transfer these Terms without our consent; we may transfer them in connection with a merger, acquisition, financing, or sale of assets.

Governing-law, venue, arbitration, and class-action provisions should be added after legal review for the applicable Optimint legal entity and launch jurisdictions.

16. Contact us

Questions about these Terms can be sent to support@optimint.io.

General and business inquiries can be sent to hello@optimint.io or through our contact page.

Operator: Optimint LLC
Mailing address: Add the applicable business mailing address before launch.