Clementine

Terms of Service

Effective September 21, 2026

Clementine Financial is a product operated by Arias Techne Logos. These Terms of Service (“Terms”) govern your use of Clementine Financial (“Clementine,” “we,” “us”), the personal financial management software at clementine.financial (the “Service”).

1. Acceptance of these Terms

By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Service. The Service is offered to individuals for their personal, non-commercial use.

3. User accounts and account security

  • Sign-in is provided by our identity provider; you are responsible for keeping your sign-in secure, including any multi-factor authentication offered to you.
  • You are responsible for activity under your account. Tell us at once at [email protected] if you believe it has been compromised.
  • You must provide accurate information and keep it current.

4. Description of Clementine

Clementine shows the financial accounts you connect in one place, keeps a ledger and a budget over them, produces statements and charts, models portfolios, and offers an AI assistant that can read the same information and answer questions about it. Two people can merge their accounts into one household view; merging shares, in both directions, every connected account, transaction, holding, ledger entry and budget line, and either member can stop sharing at any time.

5. What Clementine is not

Clementine Financial is financial-management software. It is not a bank, not a broker-dealer, and not an investment adviser, and it does not hold your money or your securities. Clementine does not provide individualised investment, tax, accounting or legal advice, and it does not execute securities trades or move money between your accounts. Nothing in the Service, including the statements, budget comparisons, portfolio models and anything the assistant says, is a recommendation to buy, sell or hold anything.

The Service displays information obtained from third-party financial institutions and data providers. We cannot guarantee that this information is complete, current or error-free; it may be delayed, incomplete or wrong. Financial decisions remain your responsibility. Check anything that matters against your institution before acting on it, and consult a qualified professional for advice specific to your situation.

6. Connected financial accounts

Connections to your financial institutions are made through Plaid. By connecting an account you authorise us and Plaid to retrieve information from that institution on your behalf, and you agree to Plaid’s End User Privacy Policy. You may connect only accounts you are entitled to access. You can disconnect an account at any time on the Accounts page or at my.plaid.com. Institutions change what they make available and may require you to reconnect.

7. Third-party services

The Service depends on third parties, including Plaid, Stripe, our identity provider, our hosting provider, our AI provider and market-data sources. Their services are governed by their own terms, they may be unavailable or change without notice to us, and we are not responsible for them. The service providers we use are listed in the Privacy Policy.

8. Subscription and payment

  • The Service is sold as a recurring subscription, one per household, processed by Stripe. The price and billing interval are shown on the Billing page and at checkout before you subscribe, together with any applicable taxes, which are calculated at checkout.
  • A household that has never subscribed may be offered one free trial. A payment card is collected when the trial starts. Unless you cancel before the trial ends, your card is charged automatically when it ends and the subscription begins.
  • Automatic renewal. Your subscription renews automatically at the end of each billing period, and your card is charged the then-current price, until you cancel.
  • If a payment fails we may retry it. If it keeps failing, the subscription ends and the features it covers are switched off; information already connected stays readable.
  • We may change the price with at least 30 days’ notice; a change applies from your next renewal after the notice.

9. Cancellation

You can cancel at any time under Billing → Manage billing. Cancelling stops future renewal charges; your access continues until the end of the period already paid for. Cancelling during a free trial means your card is not charged.

10. Refunds

Refunds are governed by our Refund & Cancellation Policy. In short: amounts already paid are generally non-refundable, except where applicable law requires otherwise, and you should contact us if you believe you were charged incorrectly.

11. Acceptable use

You agree not to:

  • connect accounts that you are not entitled to connect, or use the Service on behalf of others without their authority;
  • probe, scan or test the Service for vulnerabilities without our written permission, or interfere with its operation;
  • scrape, copy, resell or redistribute the Service or the information it presents;
  • reverse engineer the Service except where the law permits it;
  • use the assistant to generate anything unlawful, or attempt to make it disclose information that is not yours;
  • use the Service for any unlawful purpose.

12. Ownership

The Service, including its software, design, text, graphics and the name Clementine Financial, is owned by Arias Techne Logos or its licensors and is protected by intellectual-property law. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Service for your personal use in accordance with these Terms. No other rights are granted.

13. Your information

Your information is yours. You grant us the licence needed to store, process and display it in order to provide the Service to you and your household, as the Privacy Policy describes. You are responsible for the accuracy of what you enter. You can delete your information, and your account, at any time from the Household page.

14. AI-generated information

The assistant is a language model. Its outputs may contain errors, omissions or figures that do not match your accounts, and they should not be treated as professional financial, investment, legal, accounting or tax advice. Verify anything you rely on.

15. Service availability

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. The Service may be unavailable for maintenance, because of a third-party outage, or for reasons outside our control.

16. Changes to the Service

We may change, add or remove features, and may suspend or discontinue the Service. We will give reasonable notice of anything that removes something you pay for.

17. Termination

You can end these Terms at any time by deleting your account. We may suspend or end your access if you break these Terms, if we reasonably believe your use creates risk for us or others, or if the law requires it, and we will tell you why unless the law prevents it. Sections 5, 12, 14, 18, 19 and 20 survive termination.

18. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE INFORMATION SHOWN IS COMPLETE, CURRENT OR CORRECT.

19. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ARIAS TECHNE LOGOS AND CLEMENTINE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, INVESTMENTS OR DATA, ARISING FROM YOUR USE OF THE SERVICE OR RELIANCE ON ANYTHING IN IT. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. Some jurisdictions do not allow these limitations, in which case they apply to the extent permitted.

20. Governing law

These Terms are governed by the laws of the jurisdiction in which Arias Techne Logos is established, without regard to conflict-of-law rules, and disputes are resolved in the courts of that jurisdiction, except that either party may seek an injunction anywhere to protect its information or intellectual property.

21. Changes to these Terms

We may update these Terms. If a change is material we will notify you in the application before it takes effect, and the effective date at the top will change. Continuing to use the Service after that date means you accept the new Terms.

22. Contact

[email protected] — see Contact.