Terms of Service

Last updated: July 29, 2026

These Terms of Service ("Terms") govern your use of OpenFi ("the app," "we," "our"). By requesting beta access, purchasing, or using OpenFi, you agree to these Terms.

1. What OpenFi Is (and Isn't)

OpenFi is a personal finance management tool. It helps you track spending, categorize transactions, set goals, and analyze your finances using AI.

OpenFi is NOT a financial advisor. The app does not provide investment advice, tax advice, financial planning, or any form of professional financial guidance. AI-generated insights, reports, and categorizations are for informational purposes only. Always consult a qualified financial professional before making financial decisions.

2. Pricing and Payment

OpenFi is sold as a single annual subscription.

Annual Subscription

• Yearly payment for access to the app, bank and brokerage sync, and server-proxied AI features
• No API key setup required — AI features work out of the box
• Subject to reasonable usage limits (rate limiting)
• Subscription auto-renews unless cancelled

Using Your Own AI Key (Optional, No Price Change)

• At any time you may configure your own Google Gemini API key in Settings → API Keys, in which case your AI requests go directly from your Mac to Google rather than through our servers
• This is a privacy and routing preference, not a separate plan: the subscription price is the same either way, and you may incur charges from Google for your own API usage

Refunds

Purchases and subscriptions are processed by Stripe. To request a refund, email support@tryopenfi.com with your account email. We will review your request and process approved refunds through Stripe. If you cancel a subscription, you retain access until the end of your current billing period.

3. Your Account

• You must be at least 18 years old to use OpenFi
• OpenFi is offered only to residents of the United States. It is not offered to, and may not be used by, residents of the European Economic Area, the United Kingdom, or Switzerland. If you are not a U.S. resident, do not create an account.
• You are responsible for maintaining the security of your account credentials
• You are responsible for all activity under your account
• One license is for one user on their personal devices

4. Public Beta Terms

• Prerelease service: The public beta is free, experimental, and provided for evaluation. It may contain serious bugs, lose locally stored data, change without notice, or be unavailable. Do not rely on it as your sole financial record or for time-sensitive financial decisions.
• Eligibility and verification: You must be at least 18, provide an email address you control, have a compatible Mac and Apple/TestFlight account, and comply with Apple's applicable TestFlight terms. Submitting the form requests access only. A seat is reserved only after email verification, capacity is limited, and we do not guarantee admission or a particular provisioning date. We may place a verified request on a waitlist.
• Private TestFlight invitation: OpenFi provisions accepted testers by verified email into an external, email-invite-only TestFlight group. There is no authorized shareable Apple public link for this program. Your invitation and beta access are personal and may not be sold, transferred, or shared.
• Expiry and revocation: We may suspend, revoke, reduce, or end beta access at any time for security, abuse, inactivity, capacity, legal, operational, or product reasons, or if you violate these Terms. Your OpenFi beta entitlement ends on the program end date configured for your account, while each TestFlight build separately becomes unavailable no later than 90 days after it is uploaded to Apple and may be removed sooner. Continued access, replacement builds, support, and data compatibility are not guaranteed.
• No paid entitlement promise: Beta participation does not create a purchase, subscription, lifetime license, right to a future product, or promise that beta features or pricing will continue. Any separately purchased entitlement remains governed by its purchase terms and is not converted into, extended by, or cancelled merely because beta access expires.
• Essential email: You agree that we may send verification, TestFlight, password-setup, security, service, expiry, and other essential beta-operational messages. Public-beta signup does not enroll you in marketing email.

5. Your Data

• Ownership: Your financial data belongs to you. OpenFi does not claim any ownership of your data.
• Local storage: Your financial data is stored on your device, not on our servers. See our Privacy Policy for details.
• Export: You can export your data at any time using the built-in export feature.
• Deletion: Use Settings → Account → Delete Account & All Data to erase your active OpenFi account, connected-service credentials, and local data, subject to the narrow deletion-suppression and vendor-cleanup records described in our Privacy Policy. Moving the app to Trash alone may leave its sandbox container or Keychain items on your Mac.

6. Third-Party Services

OpenFi integrates with third-party services (including Apple TestFlight/App Store Connect, Cloudflare Turnstile, Resend, Plaid, Google Gemini, Stripe, the NHTSA vehicle API, and Hugging Face model hosting). Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, or practices of third-party services.

Bank connectivity through Plaid requires you to authorize access to your financial accounts. You can revoke this access at any time.

7. Acceptable Use

You agree not to:

• Reverse engineer, decompile, or disassemble the app
• Use the app for any illegal purpose
• Attempt to circumvent rate limits or usage restrictions
• Share your subscription access with others
• Use the app's AI features to generate harmful, deceptive, or illegal content

8. Accuracy and Reliability

• Transaction data: We rely on Plaid and your financial institutions for transaction data. We do not guarantee the accuracy, completeness, or timeliness of this data.
• AI categorization: Transaction categories are assigned by AI and may be incorrect. You should review and correct categories as needed.
• Calculations: While we strive for accuracy in financial calculations (net worth, spending totals, goal progress), we do not guarantee their correctness. Verify important figures independently.
• Availability: We do not guarantee uninterrupted access to the app or third-party services.

9. Disclaimer of Warranties

OPENFI IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty arising from course of dealing or usage of trade.

Without limiting the foregoing, we do not warrant that:

• the app will be uninterrupted, timely, secure, or error-free;
• transaction data, balances, categories, or calculations will be accurate, complete, or current;
• AI-generated categories, answers, reports, or insights will be correct, or suitable as the basis for any decision;
• defects will be corrected, or that the app or the third-party services it depends on will remain available.

OpenFi is not a financial, investment, tax, or legal advisor (see Section 1). Nothing the app displays or generates is advice, and you are solely responsible for the decisions you make using it. Verify anything that matters independently — particularly before filing taxes, making an investment, or acting on a projected balance.

Some jurisdictions do not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to you.

10. Limitation of Liability

To the maximum extent permitted by law, OpenFi and its developers shall not be liable for:

• Any financial losses or damages resulting from use of the app
• Inaccurate transaction data, categorizations, or calculations
• Actions taken based on AI-generated reports or insights
• Unavailability of third-party services (banks, Plaid, Gemini)
• Loss of data due to device failure, software bugs, or user error

Our total liability shall not exceed the amount you paid for the app in the 12 months preceding the claim.

11. Subscription Terms

For annual subscription users:

• Subscriptions are billed annually through Stripe
• Subscriptions auto-renew unless cancelled at least 24 hours before the renewal date
• You can cancel at any time, yourself, from inside the app: Settings → Support → Manage or Cancel Subscription opens Stripe's billing portal, where you can cancel, update your payment method, and download invoices. No email, phone call, or request to us is required.
• Cancelling stops the next renewal and takes effect at the end of your current billing period
• If you cancel, you retain access until the end of your current billing period
• If you cannot reach the billing portal, email support@tryopenfi.com and we will cancel it for you
• We reserve the right to change subscription pricing with 30 days' notice

12. Termination

• You may stop using OpenFi at any time. Use Settings → Account → Delete Account & All Data to erase your active OpenFi account and associated data, subject to the narrow retention exceptions described in our Privacy Policy; moving the app to Trash alone may leave its sandbox container or Keychain items on your Mac.
• We may terminate or suspend your access if you violate these Terms
• Upon termination, your local data remains on your device

13. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the app or by email. Continued use of the app after changes constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. OpenFi is operated by OpenFinancial, LLC, a Delaware limited liability company.

Subject to Section 15 (which sends most disputes to individual arbitration instead), any dispute that does proceed in court shall be brought in the state or federal courts located in Delaware, and you and OpenFi each consent to personal jurisdiction there.

Nothing in this section takes away rights you have under the consumer-protection laws of the state where you live. Those laws apply regardless of the governing law chosen here.

15. Dispute Resolution; Arbitration; Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS HOW DISPUTES BETWEEN YOU AND OPENFI ARE RESOLVED, AND IT LIMITS YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION. YOU MAY OPT OUT WITHIN 30 DAYS — SEE "YOUR RIGHT TO OPT OUT" BELOW.

Informal resolution first. Before starting an arbitration, you agree to email support@tryopenfi.com describing the dispute and giving us 30 days to try to resolve it. Most issues are resolved this way, and we will do the same before bringing a claim against you.

Agreement to arbitrate. If we cannot resolve a dispute informally, you and OpenFi agree that any dispute arising out of or relating to these Terms or your use of OpenFi will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court — except as stated below. The arbitrator's award may be entered as a judgment in any court with jurisdiction.

Where and how. Arbitration will take place in the county where you reside, or by telephone or video conference, or by written submissions only, at your election. If your claim is for $10,000 or less, you may choose to proceed on documents alone. Where the AAA Consumer Arbitration Rules require us to pay the filing and arbitrator fees, we will.

Class-action waiver. You and OpenFi agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this class-action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in a court of competent jurisdiction, and the remainder will proceed in arbitration.

Exceptions. This section does not apply to: (a) claims that qualify for small-claims court, which either of us may bring there instead; (b) claims to enforce or protect intellectual-property rights, for which either of us may seek injunctive relief in court; or (c) any dispute where applicable law prohibits pre-dispute arbitration agreements.

Your right to opt out. You may reject this arbitration and class-action-waiver section by emailing support@tryopenfi.com with the subject line "Arbitration Opt-Out" and your account email, within 30 days of first accepting these Terms (or, if you already have an account, within 30 days of the Last Updated date above). Opting out affects nothing else — the rest of these Terms still apply, and we will not close your account or treat you differently for it. If you opt out, disputes will be resolved in court as described in Section 14.

Survival. This section survives termination of these Terms and any cancellation of your account.

16. Contact

For questions about these Terms:

• Email: support@tryopenfi.com

17. Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary so that the remainder of these Terms remains in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, are the entire agreement between you and OpenFi regarding your use of the app, and supersede any prior agreements or understandings on that subject. Our failure to enforce any provision is not a waiver of our right to enforce it later.