Terms of Use

These Terms of Service ("Terms") are a binding agreement between you ("you" or "your") and Plumb Finance Inc., a Wyoming corporation ("Plumb," "we," "us," or "our"). They govern your access to and use of the Plumb website at plumbfinance.com, the Plumb mobile and web applications, and the related services we provide (together, the "Service").

Please read these Terms carefully. They include important provisions about how your subscription auto-renews (Section 6), how disputes between you and Plumb are resolved in court, not arbitration (Section 17), and limitations on our liability to you (Sections 14–15).

1. Acceptance of these Terms

You accept these Terms by taking the affirmative "I agree" action at signup. Your acceptance also covers our Privacy Policy, Cookie Policy, GLBA Privacy Notice, Acceptable Use Policy, and E-SIGN Consent, each of which is incorporated into these Terms by reference. If you do not agree, do not create an account.

We keep a record of your acceptance (date, time, version, and the account it was given from). Use of the public website at plumbfinance.com without an account is subject to the Acceptable Use Policy and the Privacy Policy.

2. Eligibility

To use the Service, you must:

1. Be at least 18 years old;
2. Be a resident of the United States with a U.S. mailing address;
3. Have the legal capacity to enter into a binding contract; and
4. Not be barred from using the Service under applicable law.

The Service is not directed to and not intended for anyone under 18, and we do not knowingly collect information from minors. If we learn that someone under 18 has created an account, we will close it.

3. What Plumb is — and what it is not

3.1 The Service, and two defined terms

Plumb is a financial-wellbeing subscription service. Two terms are used throughout these Terms and the Service:

• The "Coach" is our automated AI money coach — a software system, not a person.
• A "Counselor" is a human financial professional holding the CFP® or AFC® credential, engaged by Plumb (see Section 4).

Depending on your subscription tier, the Service may include:

• The Coach, which helps you understand your finances and offers general educational information, prompts, and suggestions;
• Cash-flow and net-worth tracking;
• Connections to your financial accounts through our open-banking aggregator (see Section 5); and
• On Plumb Premier, written plan reviews by a Counselor (see Section 4).

Important — Plumb provides education, not advice. Plumb is for general educational and informational purposes only. Plumb is NOT investment advice, legal advice, tax advice, or accounting advice, and nothing in the Service is a recommendation to buy, sell, or hold any security or to pursue any particular financial, legal, or tax strategy. Plumb is NOT a registered investment adviser, broker-dealer, bank, lender, credit-repair organization, consumer reporting agency, debt-management company, law firm, or accounting firm, and we do not act as a fiduciary to you. The Coach and our Counselors provide general financial education — not personalized investment, legal, or tax advice tailored to your situation as those terms are used under applicable law. You are solely responsible for your own financial decisions. Before acting on anything you learn through the Service, consider consulting a licensed professional (such as a registered investment adviser, attorney, or CPA) about your specific circumstances. We do not guarantee any particular financial outcome, including any change to your savings or debt, except as expressly stated in the limited outcome guarantee described in Section 8.

No advisory relationship; no reliance. Using the Service does not create an adviser, fiduciary, attorney, accountant, or other professional relationship between you and Plumb or between you and any Counselor. You agree that you have not relied on any statement, promise, or representation outside these Terms in deciding to use the Service.

3.2 The Coach is an automated system

The Coach is an automated system built on large language models. Its output is generated from your connected data and general financial education content. It may be incomplete, out of date, or wrong, and it is not reviewed by a person before you see it. Do not rely on any Coach output as the sole basis for a financial decision.

Balances, due dates, and amounts shown in the Service come from your institutions via our aggregator. They may lag or differ from your institution’s records, and your institution’s records control. You are responsible for verifying any figure before acting on it.

3.3 Reminders and alerts are conveniences

Reminders, alerts, digests, and "guardrails" are convenience features, not undertakings. You remain solely responsible for making your payments on time. We are not responsible for late fees, interest, penalty rates, or credit consequences that result from a missed, delayed, or inaccurate reminder or alert.

3.4 Features change

Features described as upcoming or planned are plans, not commitments. We may change, add, or retire features. Where a change materially reduces what a paid tier includes, we will tell you, and you may cancel.

3.5 No credit reports

We do not obtain your credit reports or scores from any consumer reporting agency. Everything Plumb knows about your finances comes from the accounts you choose to connect and the information you give us.

4. Counselors (Plumb Premier)

Plumb Premier includes written reviews of your Plumb plan by a Counselor: one written plan review at month six, and a closing written plan in the Goodbye Kit at month twelve. Counselors are engaged by Plumb to provide an educational review of your Plumb plan. A Counselor:

• Provides general financial education in written form — not personalized investment, legal, or tax advice — and does not act as your fiduciary, investment adviser, attorney, or accountant;
• Does not recommend specific securities, funds, allocations, or contribution amounts, does not sell you financial products, and does not earn commissions or referral fees for steering you to any product; and
• Cannot guarantee any specific result.

Any obligations a Counselor owes under a professional body’s code of conduct are the Counselor’s own and are not adopted by these Terms.

5. Connecting your financial accounts (open banking)

You may connect your bank and other financial accounts to Plumb. We provide this connection through Array, our third-party open-banking aggregator, and its data providers.

• When you connect an account, you authenticate directly with your financial institution or through Array — Plumb never receives or stores your bank login credentials (such as your username and password).
• Your use of the connection feature is also subject to Array’s end-user terms and privacy policy, available at array.com/legal, which you should review. Array and its data providers are independent third parties, and we are not responsible for their services, availability, or accuracy.
• By connecting an account, you provide your written instructions and consent for Plumb, acting through Array as our account aggregator, to access, retrieve, and use your account and transaction data from the institutions you connect, for the purpose of providing the Service to you. You can withdraw this consent at any time by disconnecting the account in your settings.
• You represent that you are an authorized user of any account you connect.
• Account data may be delayed, incomplete, or inaccurate for reasons outside our control. Always verify important information directly with your financial institution.

You can disconnect a linked account at any time in your settings.

6. Subscription, billing, and automatic renewal

This section describes recurring charges and automatic renewal. Please read it carefully. A plain-language summary is also available at Billing & Cancellation, but these Terms control.

6.1 Plans and prices

Plumb is offered in three subscription tiers, billed monthly:

Current prices and tier features are shown at checkout and on our pricing page. Prices are in U.S. dollars and exclude any applicable taxes, which may be added. Subscriptions are sold only directly by Plumb at plumbfinance.com; we do not sell through app stores.

6.2 Free trial and conversion to paid

We offer a 7-day free trial. Here is exactly how it works, and you will see this clearly disclosed before you provide payment information:

• You provide a payment method when you start the trial.
• The trial lasts exactly seven days (7 × 24 hours) from the moment you start it. Unless you cancel before the trial ends, it automatically converts to a paid, auto-renewing subscription at that moment, and the first charge is processed at that moment at the price of the tier you selected.
• We will tell you the date your trial ends and converts, and the price that will be charged, before you start.
• You can cancel any time during the trial at no charge (see Section 7).
• One free trial per person, household, payment method, and device. Anyone who has previously held a Plumb account — including a cancelled trial — is not eligible for another trial. We may decline a trial at our discretion.

6.3 Clear disclosure and your separate consent to recurring charges

Before you are charged, and adjacent to the payment button, we present a clear and conspicuous disclosure of: the recurring price; the billing frequency; the fact that your subscription automatically renews and continues until you cancel; the trial-conversion date and amount (if applicable); and how to cancel.

You provide separate, affirmative consent to the recurring charge — a dedicated action specific to the auto-renewing subscription — that is distinct from your acceptance of these Terms. We retain a record of your consent for at least three (3) years (or longer where required).

6.4 How renewal works

• Your subscription renews each month on your billing date.
• Each renewal continues until you cancel, and you authorize us (and our payment processor) to charge your payment method automatically for each renewal term at the then-current price for your tier.
• You authorize us to update your payment method information using account-updater services your card network may provide, so renewals are not interrupted.
• Charges from us appear on your card statement as "Plumb," "Plumb Finance," or "Plumbfinance.com."

6.5 Reminders

We will send you reminders by email, including a trial-ending reminder sent three days before your free trial converts to paid. We may also notify you before any price change with the notice required by law, and your continued subscription after the change takes effect constitutes acceptance of the new price; if you do not agree, you may cancel before the change takes effect.

6.6 Confirmation

After you subscribe or convert from a trial, we send a confirmation restating the key terms — what you signed up for, the price, the renewal cadence, and how to cancel.

6.7 Changing tiers

• Upgrades take effect immediately, with a prorated charge for the remainder of the current billing period.
• Downgrades take effect on your next billing date. We do not refund or credit the difference for the remainder of the current period.
• Upgrading to Plumb Premier starts the outcome-guarantee qualifying period on your first Premier billing date (see Section 8.2). Downgrading from Premier ends guarantee eligibility.

6.8 Failed payments

If a charge fails, we may retry it for up to seven days and may suspend your access until the amount due is paid. You remain responsible for amounts due; suspended time is not credited or refunded. We may close an account that remains unpaid 30 days after a failed charge. A charge that fails and is then successfully retried within the seven-day window is not a "failed payment" for the purposes of Section 8.2.

7. Cancellation — as easy as signing up

You can cancel your subscription at any time, online, using the same easy, self-serve method you used to sign up — directly in your Plumb account settings or app, in a few clicks. We will not require you to call us, chat with a retention agent, or clear hurdles to cancel. You may also cancel by emailing support@plumbfinance.com.

• If you cancel during your free trial, you will not be charged.
• If you cancel a paid subscription, your cancellation takes effect at the end of your current paid billing period, and you keep access until then. We do not provide partial-period refunds except as described in Section 8 or as required by law.

Three states, so there is no ambiguity about what happens to your data:

• Cancelled. Billing stops at the end of the paid period. You keep read-only access to your plan and reports for 90 days after the end of the paid period (your "archive").
• Closed. You delete your account. Your personal data is deleted within 30 days, except records we must keep by law — billing and consent records are kept for at least three years (see our Privacy Policy).
• After the archive. When the 90-day archive window ends — or sooner, if you close your account — the archive is deleted. Export your plan and reports before then if you want to keep them.

8. Refunds and the Plumb Premier outcome guarantee

8.1 General refund policy

Except for the outcome guarantee below, the free-trial mechanism, and any rights you have under applicable law, subscription fees are non-refundable. Specifically, we do not provide refunds or credits for: partial billing periods; unused time; unused Counselor deliverables; features you did not use; downgrades; dissatisfaction with Coach output; or termination of your account for breach of these Terms or the Acceptable Use Policy. Any goodwill refund we choose to give is discretionary and does not create a right to future refunds.

Billing errors. Please raise any suspected billing error with us within 60 days of the charge. Your rights under the Fair Credit Billing Act are unaffected.

If a charge from us does not look right, please contact us before disputing it with your bank or card issuer. A refund from us is faster than a chargeback, and we do not argue about honest mistakes — write to support@plumbfinance.com and we will look into it promptly. You keep every right you have under the Fair Credit Billing Act and any other applicable law to raise a billing-error dispute with your card issuer; contacting us first is a preference, not a condition.

No double recovery. If a charge is reversed through a chargeback or other payment-network dispute, that reversal satisfies any refund we would otherwise owe for the same charge. We will not issue a separate refund on top of a reversed charge.

Repeated abuse. We may suspend or close an account used to file fraudulent or repeated meritless payment disputes, and we may respond to any dispute with evidence of your signup, consent, and use of the Service.

8.2 The Plumb Premier outcome guarantee

The top tier, Plumb Premier, includes a limited outcome guarantee. The full material terms are below. Please read them carefully — the guarantee is conditional, and all of these conditions apply.

1. Eligibility. Only active subscribers to the Plumb Premier tier. The guarantee does not apply to the Plumb or Plumb+ tiers.
2. The Guarantee Outcome. At onboarding, you and the Coach set one specific dollar target, recorded in your account (for example: net savings increased by $X; card balances reduced by $Y; an emergency floor funded to $Z) — the "Guarantee Outcome". It is fixed once set and can be changed only by written agreement with us. It is measured by comparing the balances of your connected accounts on your first paid Premier billing date with those on the last day of the qualifying period, as shown in the Service. If you meet every obligation in item 3 and the Guarantee Outcome is not met, you may claim the refund in item 6.
3. Your obligations. During the entire qualifying period you must: (a) keep at least one account connected in each account group your plan covers; (b) complete at least 80% of plan actions, measured as actions marked complete in the Service by their due date — the Coach’s requests for context and feedback count as actions; and (c) keep your subscription in good standing (see Section 6.8 for what counts as a failed payment). The in-app record is the record of completion.
4. What ends eligibility. A chargeback or payment dispute; a request to pause, delay, or cancel your subscription; downgrading from Premier; or termination of your account for breach of these Terms or the Acceptable Use Policy.
5. Qualifying period and how to claim. The qualifying period is your first twelve (12) consecutive paid Premier months, measured from your first paid Premier billing date. Submit your claim by email to support@plumbfinance.com within 30 days after the qualifying period ends. We will verify eligibility against the conditions above.
6. What is refunded. The Plumb Premier subscription fees you actually paid during the qualifying period, net of any discounts, credits, or promotional pricing, excluding taxes, less a service-cost recovery of $5 for each paid month (maximum $60). Worked example: twelve months at $34.99 = $419.88; refund = $359.88.
7. Timing and method. Approved refunds are issued within 30 days of approval, to your original payment method where our processor permits, and otherwise by an alternative method we reasonably select (for example, ACH or check).
8. Extenuating circumstances. If a serious event outside your control (for example, an accident or hospitalization) prevented you from meeting an obligation, write to us with reasonable supporting documentation. We may extend the qualifying period or prorate the completion threshold; our decision is made in good faith on the documentation provided.
9. One claim; finality. One guarantee claim per subscriber. An approved refund satisfies in full any claim relating to the qualifying period. The guarantee is void where prohibited and does not limit any non-waivable rights you have under law.

9. Account registration and identity verification

You must register an account to use the Service. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding your login credentials and for all activity under your account, and you agree to notify us promptly at support@plumbfinance.com of any unauthorized use.

To open or maintain your account, and to comply with law and our vendors' requirements, we (and our service providers) may verify your identity, including by checking the information you provide against third-party databases. By registering, you authorize these verification checks. We may refuse, suspend, or close any account at our discretion, including if we cannot verify your identity.

10. Electronic communications (E-SIGN)

The Service is provided online, and we deliver agreements, disclosures, notices, and other communications to you electronically — by email, in the app, and on our website. By using the Service you consent to receive these communications electronically, as described in our E-SIGN Consent, which explains your right to receive certain records on paper, how to withdraw consent, and the hardware and software you need. Your consent to electronic delivery is required for us to deliver certain legally required disclosures (including GLBA notices) to you online.

11. Acceptable use

Your use of the Service is subject to our Acceptable Use Policy, which prohibits, among other things, unauthorized access, scraping and automated access, reverse engineering, security circumvention, fraudulent account linking, and unlawful use. Violating the Acceptable Use Policy is a breach of these Terms.

12. Intellectual property and your content

12.1 Our IP and your license to use the Service

The Service, including all software, text, designs, logos, and content we provide (excluding your content), is owned by Plumb or our licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial financial-wellbeing purposes. We reserve all rights not expressly granted.

12.2 Your content

You may provide information, messages, free-text questions to the Coach, goals, notes, and other materials ("Your Content"). You retain ownership of Your Content. You grant Plumb a worldwide, non-exclusive, royalty-free license to host, store, process, and use Your Content solely to operate, provide, secure, and improve the Service for you, and as otherwise described in our Privacy Policy. You represent that you have the rights to provide Your Content and that it does not violate any law or third-party right.

Your Content is not used to train third-party AI models. Where we send Your Content to an AI subprocessor to power the Coach, we do so under a written agreement that contractually prohibits the subprocessor from using it to train or improve its general-purpose models.

13. Third-party services

The Service relies on and links to third parties, including Array (open banking), our AI provider(s), and our payment processor(s). Your use of those services may be governed by their own terms and privacy policies. We do not control and are not responsible for third-party services, their content, accuracy, or availability. Your dealings with third parties are solely between you and them.

14. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT INFORMATION (INCLUDING ACCOUNT DATA) WILL BE ACCURATE, COMPLETE, OR TIMELY. WE DO NOT WARRANT OR GUARANTEE ANY FINANCIAL RESULT, INCLUDING ANY CHANGE TO YOUR SAVINGS OR DEBT, EXCEPT FOR THE LIMITED OUTCOME GUARANTEE EXPRESSLY STATED IN SECTION 8. YOU AGREE THAT YOU HAVE NOT RELIED ON ANY STATEMENT OUTSIDE THESE TERMS. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

15. Limitation of liability

15.1 Excluded losses and the cap

TO THE FULLEST EXTENT PERMITTED BY LAW, PLUMB AND ITS DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR FINANCIAL LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. WITHOUT LIMITING THE FOREGOING, WE ARE NOT LIABLE FOR: LATE FEES; INTEREST; PENALTY APRS; OVERDRAFT OR NSF FEES; CREDIT-REPORT CONSEQUENCES; TAX CONSEQUENCES; INVESTMENT LOSSES; OR LOSSES FROM ACTING ON COACH OUTPUT OR ON DELAYED OR INACCURATE AGGREGATOR DATA. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE, IN AGGREGATE ACROSS ALL CLAIMS, WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THE REMEDIES IN THESE TERMS ARE EXCLUSIVE. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

15.2 Time limit on claims

To the extent permitted by law, any claim arising out of or relating to the Service or these Terms must be brought within one (1) year of the date the claim arose, or it is permanently barred.

16. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Plumb and its directors, officers, shareholders, employees, contractors, and agents from and against any claims, damages, losses, and reasonable expenses (including reasonable attorneys' fees) arising out of (a) your misuse of the Service, (b) your violation of these Terms or applicable law, or (c) your violation of any third-party right. We will notify you of any such claim and may participate in its defense.

17. Dispute resolution

Plumb does not require you to arbitrate. If we cannot work something out between us, either of us can take the matter to a real court — including small claims court where the claim qualifies.

17.1 First, tell us about it

Before filing suit, the complaining party will send a written Notice of Dispute: if from you, to legal@plumbfinance.com and 30 N Gould St Ste N, Sheridan, WY 82801; if from us, to your account email. The Notice must be individualized: it must include your full name, the email address on your account, a description of the specific problem, and the relief sought. A notice that does not include these is not effective. The parties will then try in good faith to resolve the Dispute for 60 days from the date of an effective notice. This informal step is a condition precedent to filing suit. Any applicable limitation period is tolled during the 60 days.

17.2 Small claims first

Either party may bring a qualifying claim in small claims court in the county where the consumer resides (or in any other court of competent jurisdiction where the small-claims court cannot hear the matter). Nothing in this section prevents you from reporting concerns to a government agency.

17.3 Court and governing law

For any Dispute not resolved informally and not brought in small claims court, claims may be brought in the state or federal courts of the state where you reside, or in the state or federal courts located in the State of Wyoming. These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws rules. These choices do not deprive you of the protection of mandatory consumer-protection laws of your state of residence, which continue to apply.

17.4 Severability

If any part of this Section 17 is found unenforceable, that part will be limited or removed to the minimum extent necessary, and the rest of this Section 17 will remain in effect.

18. Term, suspension, and termination

These Terms apply while you use the Service. You may stop using the Service and cancel at any time (Section 7). We may suspend or terminate your access, with or without notice, if you breach these Terms or the Acceptable Use Policy, if required by law or our vendors, or to protect the Service or other users. On termination, your license to use the Service ends; Sections that by their nature should survive (including 8, 12–17, 19–20) survive.

19. Changes to these Terms

We may update these Terms from time to time. For material changes to Section 8 (refunds and the guarantee), Section 15 (limitation of liability), or Section 17 (dispute resolution), we will ask you to accept the updated Terms in the app before you continue using the Service. For other changes, we will provide notice (for example, by email or in the app) and update the "Last updated" date; changes take effect on the date stated in the notice, and your continued use of the Service after that date means you accept the updated Terms. If you do not agree, stop using the Service and cancel.

20. General

• Severability. If any provision is found unenforceable, it will be limited or removed to the minimum extent necessary, and the rest remains in effect.
• Assignment. You may not assign these Terms without our consent. We may assign these Terms to an affiliate or to a successor in a merger, acquisition, or sale of assets; any transfer of your personal information is handled as described in our Privacy Policy.
• No waiver. Our failure to enforce a provision is not a waiver.
• Entire agreement. These Terms and the documents incorporated by reference are the entire agreement between you and Plumb regarding the Service.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

21. How to reach us

Plumb Finance Inc. Attn: Legal 30 N Gould St Ste N, Sheridan, WY 82801 General support: support@plumbfinance.com Legal notices: legal@plumbfinance.com Privacy: privacy@plumbfinance.com Website: plumbfinance.com