Terms of use

4. Subscription, Payment, and Billing

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4.1 Subscription Requirement. Full access to the App’s features requires an activepaid subscription, available on a monthly or yearly basis. Pricing and plandetails are displayed in the App and on our website at https://eira.co.

4.2 Free Trial.

• We offer a 7-day free trial for new users, during which all features are accessible without charge.
• To activate the trial, you must provide a valid payment method through the Apple App Store.
• If  you do not cancel before the trial period ends, your payment method will be automatically charged for the selected subscription plan.
• Only one trial is permitted per user or payment method. Attempts to create multiple accounts to access additional trials are prohibited.

4.3 Payment Processing.

• All payments are processed securely through the Apple App Store.
• You agree to comply with Apple’s payment terms and conditions, available at https://www.apple.com/legal.
• You are responsible for ensuring your payment method is valid and has sufficient funds.
• We are not responsible for payment processing errors, delays, or failures caused by Apple, your bank, or your payment provider.

4.4 Automatic Renewal.

• Subscriptions automatically renew at the end of each billing cycle (monthly or yearly)  unless canceled.
• You authorize Apple to charge your payment method for each renewal until cancellation.
• Renewal charges will be applied at the then-current subscription price, subject to Section 4.6.

4.5 Cancellation.

• You  may cancel your subscription at any time through your Apple App Store account settings.
• Cancellation takes effect at the end of the current billing cycle, and you will retain access to the App until that date.
• No refunds or credits will be provided for partial or unused subscription  periods, except as required by applicable law (e.g., CCPA or state consumer protection laws).

4.6 Price Changes.

• We reserve the right to modify subscription prices or plan structures at any  time.
• Price changes will be communicated at least 30 days in advance via in-App notifications, email, or our website at https://eira.co.
• Continued  use of the App after a price change takes effect constitutes your acceptance of the new pricing.
• If you do not agree to a price change, you may cancel your subscription before  the change takes effect.

4.7 No Additional Purchases. The App does not offer in-app purchases or othermonetization methods beyond the subscription plans described above.

4.8 Taxes. Subscription fees may be subject to applicable taxes (e.g., sales tax,VAT), which will be added to your payment and processed through the Apple AppStore. You are responsible for paying any applicable taxes.

4.9 Billing Disputes. If you believe a billing error has occurred, contact us at support@eira.co within 30 days of the charge. We will investigate and, if appropriate, coordinate with Apple to resolve theissue. Failure to report disputes promptly may forfeit your right to a refundor correction.

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5.Data Collection, Privacy, and CCPA Compliance

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5.1 Personal Data Collected. To provide the App’s services, we collect thefollowing categories of personal data:

• Identity Data: Full name and email address provided during Apple, Google, or email sign-in.
• Financial Data: Bank account numbers, transaction histories, and balance information retrieved via Plaid for spending analysis and savings automation.
• User-Generated  Data: Custom financial goals (e.g., target amounts, timelines), habit tracking details (e.g., frequency, status), budget categories, income settings, and AI chatbot interaction history (e.g., questions asked, responses provided).
• Subscription Data: Payment method details, billing history, and subscription plan information.
• Technical Data: Device ID, operating system version, session-level data (e.g., time spent on features, navigation patterns), and locally stored data for personalization (e.g., App theme preferences, goal display settings).

5.2 Purpose of Data Collection. We use your personal data for the following purposes:

• Service Delivery: To enable core App functionality, such as goal tracking, habit monitoring, budget management, savings automation, and AI chatbot responses.
• Payment Processing: To manage subscriptions, process payments, and maintain billing records.
• User Experience: To personalize the App (e.g., displaying your preferred goals) and retain App state (e.g., resuming where you left off).
• Analytics and Improvement: To analyze usage patterns, troubleshoot issues, and enhance App features using internal, non-third-party analytics.
• Legal Compliance: To fulfill obligations under applicable laws, including CCPA, tax regulations, and consumer protection laws.
• Security: To detect and prevent fraud, unauthorized access, or abuse of the App.

5.3 Data Sharing and Third-Party Services.

• No Sale of Personal Data. We do not sell your personal data to third parties, as defined under CCPA (§ 1798.140(t)). We do not engage in data monetization practices that involve exchanging personal data for financial gain.
• Service Providers. We share limited personal data with the following third-party service providers to operate the App:
   
  • Plaid: To securely connect to your bank accounts and retrieve transaction data. Plaid’s privacy practices are governed by its terms at https://plaid.com/legal.
   
  • Amazon Web Services (AWS): To host and store App data on secure U.S.-based servers. AWS’s security policies are available at https://aws.amazon.com/compliance.
   
  • Apple/Google: To authenticate users and process payments. Their respective privacy policies apply (see https://www.apple.com/legal  and https://policies.google.com).
 
• Aggregated  and Anonymized Data. We may create aggregated or anonymized datasets  (e.g., average savings rates by age group) for internal business purposes,  such as product development or market research. These datasets cannot be used  to identify you and are not considered personal data under CCPA.
• Legal Disclosures. We may disclose personal data if required by law, such as in response to a subpoena, court order, or regulatory investigation, or to  protect our rights, property, or safety, or that of our users.

5.4 Data Storage and Security.

• Encryption: All personal data is encrypted at rest (using AES-256) and in transit (using TLS 1.3) to prevent unauthorized access.
• Hosting: Data is stored on AWS servers located exclusively in U.S. regions (e.g., us-east-1, us-west-2) to ensure compliance with U.S. data residency requirements.
• Access Controls: We implement role-based access controls (RBAC) to limit data  access to authorized personnel only. Access is logged and audited  regularly.
• No Third-Party Analytics: Unlike many apps, we do not use third-party analytics tools (e.g., Google Analytics, Mixpanel). All analytics are performed by Eira’s proprietary backend, minimizing external data exposure.
• Security Practices: We maintain a comprehensive security program, including regular vulnerability assessments, penetration testing, and employee training on data protection.
• Incident Response: In the unlikely event of a data breach, we will notify affected users and relevant authorities within 72 hours, as required by applicable law, and take prompt action to mitigate harm.

5.5 Data Retention.

• Active Accounts: We retain your personal data for as long as your account is active to provide the App’s services.
• Inactive Accounts: If your account is inactive for 12 months, we may delete or anonymize your data, except as required to fulfill legal obligations (e.g., tax records) or resolve disputes.
• Account Deletion: Upon your request to delete your account, we will delete or anonymize your personal data within 30 days, subject to exceptions under  CCPA (e.g., data needed to complete a transaction or comply with legal requirements).
• Backup Data: Data in our backups may be retained for up to 90 days before permanent deletion, but such data is encrypted and inaccessible except for recovery purposes.

5.6 CCPA Rights for California Residents. If you are a California resident, youhave the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You may request, up to twice per 12-month period, a disclosure     of:
   
  • Categories of personal data collected.
   
  • Sources of personal data.
   
  • Business or commercial purposes for collecting or sharing personal data.
   
  • Categories of third parties with whom we share personal data.
   
  • Specific pieces of personal data we hold about you (subject to verification).
 
• Right to Delete: You may request deletion of your personal data, subject to  exceptions (e.g., data needed to provide services, comply with legal obligations, or protect against fraud).
• Right to Opt-Out of Sale: As we do not sell personal data, this right does not apply. However, we provide a “Do Not Sell My Personal Information” link in the App and on our website for transparency.
• Right  to Non-Discrimination: We will not discriminate against you (e.g., by denying services, charging different prices, or reducing service quality)  for exercising your CCPA rights.

To exercise your CCPA rights, submit a verifiable request via:

• In-App:  Navigate to Settings > Privacy > Submit CCPA Request.
• Email: Contact privacy@eira.co with your name, email, and request details.
• Website: Use the form at https://eira.app/privacy.

We will verify your identity (e.g., by matching your email or device ID) and respond within 45 days, extendable by an additional 45 days for complex requests. If we cannot verify your identity, we may deny the request but will explain the reason.

5.7 Authorized Agents. California residents may designate an authorized agent tosubmit CCPA requests on their behalf. Agents must provide proof ofauthorization (e.g., a signed letter from you) and verify their own identity.

5.8 Children’s Privacy. The App is not intended for users under 18, and we do not knowingly collect personal data from children under 16. If we learn that a child under 16 has provided personal data, we will delete it immediately and terminate the associated account.

5.9 Privacy Policy. For a complete description of our data practices, including CCPAdisclosures, review our Privacy Policy at https://eira.app/privacy.The Privacy Policy is incorporated into these Terms by reference.

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6. Third-Party Services and Integrations

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6.1 Plaid Integration.

• Purpose: Plaid enables secure connection to your bank accounts to retrieve  transaction and balance data for spending analysis and savings automation.
• Data Shared: Plaid receives your bank login credentials (entered directly into  Plaid’s interface, not stored by Eira) and provides us with transaction     details (e.g., date, amount, merchant).
• Plaid’s Terms: By linking a bank account, you agree to Plaid’s terms of service  and privacy policy at https://plaid.com/legal.
• Security: Plaid uses bank-grade security measures, but we are not liable for Plaid’s  performance or data practices.

6.2 Amazon Web Services (AWS).

• Purpose: AWS provides cloud hosting and storage for App data.
• Data Shared: All personal and non-personal data collected by the App is stored on AWS servers in U.S. regions.
• AWS’s Terms: AWS’s security and compliance practices are governed by its terms at https://aws.amazon.com/compliance.
• Security: We configure AWS to meet CCPA and industry security standards, but we are not liable for AWS’s infrastructure failures or breaches.

6.3 Apple and Google Authentication.

• Purpose: Apple and Google provide secure sign-in options for user authentication.
• Data Shared: We receive your name and email address (or a proxy email for Apple’s “Hide My Email” feature) during sign-in.
• Third-Party Terms: Authentication is subject to Apple’s terms at https://www.apple.com/legal  and Google’s terms at https://policies.google.com.
• Security: We do not store your Apple or Google passwords, and authentication occurs on their secure servers.

6.4 No Other Third Parties. Except as described above, we do not share personaldata with third parties for analytics, marketing, or other purposes. Allanalytics and processing are handled by Eira’s proprietary backend.

6.5 Third-Party Limitations. We do not control or endorse third-party services andare not liable for their performance, availability, security, or compliancewith applicable laws. You assume the risk of using third-party servicesintegrated with the App.

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7. User Responsibilities and Conduct

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7.1 Permitted Use. You may use the App solely for lawful, personal, non-commercialpurposes related to managing your personal finances, in accordance with theseTerms.

7.2 Prohibited Conduct. You agree not to:

• Use the App for illegal activities, including money laundering, fraud, or unauthorized financial transactions.
• Attempt to access, modify, or interfere with the App’s code, servers, or backend systems (e.g., through hacking, reverse-engineering, or injecting malicious code).
• Upload or transmit viruses, malware, or other harmful content that could damage the App or other users’ devices.
• Misrepresent your identity, provide false information, or impersonate another person.
• Use the App to harass, defame, or harm others or to violate their privacy or intellectual property rights.
• Scrape, crawl, or extract data from the App for commercial or competitive purposes.
• Create derivative works of the App or its content without our prior written  consent.
• Use automated tools (e.g., bots, scripts) to access or interact with the App, except as expressly permitted.

7.3 Compliance with Laws. You are responsible for ensuring your use of the Appcomplies with all applicable federal, state, and local laws, including consumerprotection, data privacy, and financial regulations.

7.4 Account Monitoring. We reserve the right to monitor account activity forsecurity, fraud prevention, and compliance purposes, but we are not obligatedto detect or prevent misuse.

7.5 Consequences of Violation. If you violate these Terms or engage in prohibitedconduct, we may, at our sole discretion:

• Issue a warning.
• Suspend or restrict your access to certain features.
• Terminate your account and delete your data.
• Report your actions to law enforcement or regulatory authorities, if required.

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8. Intellectual Property

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8.1 Eira’s Ownership. The App, including its software, design, user interface, AIchatbot, logos, trademarks, and all content (excluding user-generated content),is owned by Eira Inc. or its licensors and is protected by U.S. andinternational copyright, trademark, patent, and trade secret laws.

8.2 Limited License. We grant you a limited, non-exclusive, non-transferable,non-sublicensable, revocable license to download, install, and use the App onyour iOS device for personal, non-commercial purposes, subject to these Terms.This license does not permit you to:

• Modify, adapt, or create derivative works of the App.
• Distribute, sell, or lease the App or any part thereof.
• Decompile,  disassemble, or reverse-engineer the App’s code, except as permitted by     law.
• Remove or alter any copyright, trademark, or proprietary notices.

8.3 User-Generated Content.

• Ownership: You retain ownership of any data or content you input into the App, such as financial goals, budgets, habit settings, or AI chatbot queries (“User Content”).
• License to Eira: By providing User Content, you grant us a worldwide, royalty-free, non-exclusive, perpetual license to use, store, process, and display your User Content solely to provide, operate, and improve the     App’s services.
• Responsibility: You are solely responsible for the accuracy, legality, and appropriateness of your User Content. We are not liable for any User Content that violates these Terms or applicable laws.

8.4 Feedback and Suggestions.

• If you provide feedback, suggestions, or ideas about the App (“Feedback”),  you grant us a worldwide, royalty-free, perpetual, irrevocable license to use, modify, and incorporate Feedback into the App or other products     without compensation or attribution.
• Feedback is provided voluntarily and does not create a confidential relationship     between you and Eira.

8.5 DMCA Policy. If you believe content in the App infringes your copyright, submita notice under the Digital Millennium Copyright Act (DMCA) to legal@eira.app(mailto:legal@eira.app) with the following:

• Your name, address, and electronic signature.
• Identification of the infringed work and the infringing material.
• A statement of good faith belief that the use is unauthorized.
• A statement under penalty of perjury that the information is accurate. We     will respond promptly to valid DMCA notices and may remove infringing  content or terminate accounts as appropriate.

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9. Disclaimers and Limitation of Liability

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9.1 No Financial or Legal Advice.

• The App provides tools and information for personal finance management but does not constitute financial, investment, tax, or legal advice.
• The AI chatbot’s responses are generated based on your data and general financial principles but are not tailored to your specific circumstances. Consult a licensed financial advisor, accountant, or attorney for personalized advice.
• We are not liable for any decisions or losses resulting from your reliance on the App’s features or chatbot responses.

9.2Accuracy and Reliability.

• While  we strive to ensure the accuracy of the App’s data (e.g., transaction records, savings calculations), we do not guarantee the accuracy,  completeness, or timeliness of any information, including data provided by     Plaid or other third parties.
• Technical errors, data syncing delays, or user input mistakes may affect the App’s outputs. You are responsible for verifying critical information (e.g., bank balances) with your financial institution.

9.3As-Is Basis. The App is provided “as is” and “as available” without warrantiesof any kind, whether express, implied, or statutory, including but not limitedto warranties of:

• Merchantability.
• Fitness for a particular purpose.
• Non-infringement.
• Uninterrupted or error-free operation.
• Compatibility with your device or network.

9.4 Limitation of Liability.

• To the maximum extent permitted by law, Eira Inc., its affiliates, and their respective officers, directors, employees, agents, and licensors will not be liable for any indirect, incidental, special, consequential, or     punitive damages, including but not limited to loss of profits, data, savings, or goodwill, arising from or related to your use of the App, even if advised of the possibility of such damages.
• Our total aggregate liability for any claim arising from these Terms or the App will not exceed the greater of (a) the amount you paid for the App in the 12 months preceding the claim or (b) $100.
• This limitation applies to all claims, whether based on contract, tort,  negligence, strict liability, or any other legal theory.

9.5 Third-Party Services. We are not liable for any damages, losses, orinterruptions caused by third-party services (e.g., Plaid, AWS, Apple, Google),including but not limited to:

• Data breaches or unauthorized access to your bank accounts via Plaid.
• AWS  server outages or data loss.
• Apple or Google authentication or payment processing failures.

9.6 Force Majeure. We are not liable for any failure to perform our obligations under these Terms due to events beyond our reasonable control, including butnot limited to natural disasters, pandemics, cyberattacks, government actions,or third-party service failures.

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10. Indemnification

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10.1 Your Obligation. You agree to indemnify, defend, and hold harmless Eira Inc.,its affiliates, and their respective officers, directors, employees, agents,and licensors from and against any claims, liabilities, damages, losses, orexpenses (including reasonable attorneys’ fees) arising from:

• Your use of the App or violation of these Terms.
• Your User Content, including any claims that it infringes third-party rights or violates applicable laws.
• Your interaction with third-party services (e.g., Plaid, Apple) through the App.
• Your failure to comply with applicable laws or regulations.

10.2 Process. We will notify you promptly of any claim subject to indemnification.You may, at your expense, assume the defense of the claim with counsel of yourchoice, subject to our approval. We reserve the right to assume control of thedefense at our expense if you fail to adequately defend the claim.

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11. Termination

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11.1 Termination by You.

• You may terminate your account at any time by:
   
  • Deleting your account through the App’s settings (Settings > Account > Delete Account).
   
  • Contacting us at support@eira.co with your account details.
 
• You must also cancel your subscription through the Apple App Store to avoid further charges. Instructions are available at https://support.apple.com.
• Account deletion may result in the permanent loss of your data, subject to our retention policies (see Section 5.5).

11.2 Termination by Us. We may suspend, restrict, or terminate your account oraccess to the App at our sole discretion, with or without notice, for reasonsincluding but not limited to:

• Violation of these Terms or applicable laws.
• Suspected fraud, abuse, or unauthorized activity.
• Technical or security concerns requiring immediate action.
• Failure to pay subscription fees.
• Inactivity for 12 months or more.

11.3 Effect of Termination.

• Upon termination, your license to use the App immediately ceases, and you must uninstall the App from your device.
• We may delete or anonymize your personal data, except as required to comply  with legal obligations (e.g., tax records) or resolve disputes.
• Any  outstanding subscription fees remain payable, and no refunds will be provided for partial billing periods, except as required by law.

11.4 Survival. Provisions of these Terms that, by their nature, should survivetermination (e.g., Sections 5, 8, 9, 10, 12) will remain in effect aftertermination.

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12. Governing Law and Dispute Resolution

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12.1 Governing Law. These Terms and any disputes arising from or related to the Appare governed by the laws of the State of California, without regard to itsconflict of laws principles, and applicable U.S. federal laws.

12.2 Informal Resolution. Before initiating formal proceedings, you agree to attemptto resolve any dispute by contacting us at support@eira.co. We will respond within 30 days and work in good faith to resolve the issue.

12.3 Binding Arbitration.

• Agreement  to Arbitrate: Any dispute, controversy, or claim arising from or related to these Terms or the App that cannot be resolved informally will be resolved through binding arbitration administered by the American     Arbitration Association (AAA) under its Consumer Arbitration Rules.
• Location: Arbitration will take place in San Francisco, California, unless otherwise agreed.
• Procedure: The arbitration will be conducted by a single arbitrator. The process will be conducted in English, and all documents must be in English unless otherwise agreed.
• Costs:  Each party will bear its own costs, except that we will pay the arbitration filing fee if required by AAA rules for consumer disputes.
• Award: The arbitrator’s award is final and binding, enforceable in any court of competent jurisdiction. The arbitrator may award monetary damages or injunctive relief but may not award punitive damages unless permitted by law.
• Class Action Waiver: You and Eira agree to resolve disputes on an individual basis only. You waive any right to participate in class actions, class arbitrations, or representative actions.

12.4 Exceptions to Arbitration.

• Either party may seek injunctive or equitable relief in a court of competent jurisdiction for matters involving intellectual property infringement, unauthorized data access, or other urgent matters requiring immediate     relief.
• Claims within the jurisdiction of small claims courts may be pursued in such courts in San Francisco, California.

12.5 Jurisdiction and Venue. For any court proceedings permitted under these Terms, you agree to submit to the exclusive jurisdiction of the state and federalcourts located in San Francisco County, California.

12.6 Time Limit for Claims. Any claim arising from these Terms or the App must befiled within one (1) year from the date the cause of action arises, or it willbe barred, except as prohibited by law.

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13. CCPA and U.S. Data Protection Compliance

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13.1 CCPA Commitment. As a business subject to the CCPA, we are committed toprotecting your privacy rights. See Section 5.6 for a detailed description ofyour CCPA rights and how to exercise them.

13.2 Other U.S. Laws. We comply with applicable U.S. federal and state dataprotection laws, including but not limited to:

• The Gramm-Leach-Bliley Act (GLBA) for financial data handling.
• State  data breach notification laws.
• California’s Shine the Light law (Cal. Civ. Code § 1798.83). If you are a resident of a state with additional privacy laws (e.g., Virginia, Colorado), you may  have similar rights to those under CCPA, and we will honor them to the     extent required.

13.3 No GDPR or International Compliance. The App is designed exclusively for U.S.residents and does not claim compliance with GDPR, UK GDPR, or other non-U.S.data protection frameworks. Non-U.S. users assume all risks associated withusing the App.

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14. Modifications to Terms

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14.1 Right to Update. We may modify these Terms at any time to reflect changes inthe App, legal requirements, industry standards, or our business practices.

14.2 Notification. We will notify you of material changes by:

• Posting the updated Terms in the App and on our website at https://eira.app/terms.
• Sending an in-App notification or email (if you have provided one) at least 30 days before the changes take effect, unless immediate changes are required by law.
• For minor changes (e.g., typographical corrections), we may post the updated Terms without advance notice.

14.3 Acceptance. Your continued use of the App after the effective date of theupdated Terms constitutes acceptance of the changes. If you do not agree to theupdated Terms, you must stop using the App and delete your account.

14.4 Version History. Previous versions of these Terms will be archived on ourwebsite at https://eira.app/terms/archive for your reference.

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15. Contact Information

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For questions, concerns, or requests regarding these Terms, the App, or your data,contact us at:

Eira Inc.
Email: support@eira.co (general inquiries) or privacy@eira.co (privacy/CCPA requests)
Website: https://eira.co
Address: 12 East86th St,New York, NY 10028, USA

We aim to respond to inquiries within 5 business days. For CCPA requests, seeSection 5.6 for response timelines.

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16. Miscellaneous Provisions

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16.1 Entire Agreement. These Terms, together with our Privacy Policy and any otheragreements expressly incorporated herein, constitute the entire agreementbetween you and Eira Inc. regarding your use of the App and supersede all prioror contemporaneous agreements, whether written or oral.

16.2 Severability. If any provision of these Terms is found to be invalid, illegal,or unenforceable by a court of competent jurisdiction, the remaining provisionswill remain in full force and effect, and the invalid provision will bemodified to the minimum extent necessary to make it enforceable.

16.3 Waiver. Our failure to enforce any right or provision of these Terms does notconstitute a waiver of that right or provision. Any waiver must be in writingand signed by an authorized representative of Eira Inc.

16.4 Assignment.

• You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent.
• We may assign these Terms or delegate our obligations to a successor or  affiliate (e.g., in connection with a merger, acquisition, or sale of assets) without your consent, provided it does not materially diminish  your rights.

16.5 No Agency. Nothing in these Terms creates a partnership, joint venture, agency,or employment relationship between you and Eira Inc. You may not act as ouragent or bind us in any way.

16.6 Third-Party Beneficiaries. Except for our affiliates and service providers (e.g.,Plaid, AWS) as expressly stated, these Terms do not confer any rights orbenefits to third parties.

16.7 Language. These Terms are written in English, and the English version governsin case of any conflict with translations (if provided for convenience).

16.8 Electronic Communications. By using the App, you consent to receivecommunications from us electronically, including in-App notifications, emails,or website postings. You agree that electronic communications satisfy any legalrequirement for written notice.

16.9 Export Controls. You may not use or export the App in violation of U.S. export control laws or regulations, including to embargoed countries or individuals onrestricted lists.

16.10 Government Users. If you are a U.S. government entity or employee, your use ofthe App is subject to these Terms as a commercial off-the-shelf product underapplicable federal acquisition regulations.

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