1. Acceptance of Terms
These Terms of Service (“Terms”) are a legally binding agreement between you (“you”) and Trupence Labs LLC (“Trupence”, “we”, “us”). They govern your use of trupence.com, the Trupence web and mobile apps, and related software (together, the “Service”).
By creating an account or using the Service, you confirm that you are at least 18 years old and that you agree to these Terms and our Privacy Policy. If you don’t agree, don’t use the Service.
2. Description of Service
Trupence helps you see your financial accounts in one place, track transactions and budgets, understand your income, and model a path to financial independence.
You can link checking, savings, credit card, loan, and other accounts supported by our data providers, and add other assets and liabilities manually. Account data is refreshed periodically and may not reflect your institution’s most recent activity.
The Service is in private beta. Features may change, and some may be added or removed as we develop the product.
3. Read-Only Account Connections Through Quiltt
To link your accounts, Trupence uses Quiltt, Inc. (“Quiltt”) and the data providers Quiltt works with, including Finicity.
- Read-only: connections made through Trupence are read-only. Trupence cannot initiate transfers, move money, make payments, or change your accounts.
- Your credentials: you sign in with your financial institution, or in the connection window provided by Quiltt and its data providers. Trupence never receives or stores your bank username, password, or security codes.
- Authorization: by linking an account, you authorize Trupence and Quiltt to retrieve account details, balances, and transactions from your financial institution on your behalf. Your use of the connection window is also subject to Quiltt’s terms.
4. Not Financial Advice
Trupence is software for organizing your finances and planning for yourself. Trupence is not a registered investment adviser, broker-dealer, financial planner, tax adviser, or accountant.
Net worth figures, budgets, projections, simulations, withdrawal estimates, and timelines in the Service are for information and education only. They are not financial, investment, tax, legal, or accounting advice, and they are not guarantees of future results. You are responsible for your own financial decisions. Consider talking to a qualified professional before making them.
5. Your Account and Security
You are responsible for keeping your sign-in methods secure, including your password, passkeys, authenticator app, and the Google account you use to sign in, and for securing the devices you use. Tell us right away at legal@trupence.com if you suspect someone has accessed your account without permission.
Password sign-in requires two-factor authentication.
6. Fees and Your Data
The Service is currently offered without charge during the beta. If we introduce paid plans, we will tell you the price and terms before you are charged, and you can choose whether to continue.
We do not sell or rent your personal information, and we do not use your financial data for advertising. See our Privacy Policy for details.
7. Data Ownership and Account Deletion
You own your financial data. You give Trupence permission to store and process it only as needed to provide the Service to you, as described in our Privacy Policy.
You can delete your account at any time from Settings. Deletion permanently removes your account data from our production systems and disconnects your linked institutions. To request a copy of your data, email legal@trupence.com.
8. Acceptable Use
You agree not to:
- reverse engineer, decompile, or try to extract the source code of the Service, except where the law allows it;
- use bots, scrapers, or scripts to access the Service or extract data from it without our permission;
- interfere with or disrupt the Service, its servers, or its security;
- try to access another user’s data or get around access controls;
- link accounts you are not authorized to access.
9. Limitation of Liability
To the fullest extent permitted by law, Trupence and its members, officers, employees, and partners are not liable for any indirect, incidental, special, consequential, or punitive damages. This includes lost profits, financial losses, lost data, and service interruptions arising from:
- your access to or use of the Service, or your inability to access or use it;
- outages or delays at financial institutions, Quiltt, or other data providers;
- errors or omissions in data supplied by financial institutions or data providers;
- decisions you make based on information or projections in the Service.
The Service is provided “as is” and “as available,” without warranties of any kind, express or implied.
10. Changes to These Terms
We may update these Terms. If a change is significant, we’ll tell you by email or in the app before it takes effect. If you keep using the Service after the change takes effect, you accept the updated Terms.
11. Governing Law and Disputes
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. Any lawsuit or proceeding arising out of these Terms must be brought only in the federal or state courts located in Delaware.
12. Contact
Trupence Labs LLC
Email: legal@trupence.com