Terms of Use

1. Introduction

Welcome to Henrie.ai, a personal financial advisor app developed by Tenafli Inc. These Terms of Use ("Terms") govern your use of our website, app, and services (collectively, the "Service"). By downloading, installing, or using Henrie.ai, you agree to these Terms. We reserve the right to update or modify these Terms at any time, with or without prior notice.

2. Description of Service

Henrie.ai is a financial wellness platform designed to help users, particularly young professionals, develop better money habits, reduce debt, and manage their financial life with confidence. Our core features include:

• AI-Powered Financial Coaching: Receive personalized insights and guidance based on your financial behavior.
• Bank Account Integration: Securely link your financial accounts via Plaid to track transactions, account balances, and patterns.
• Spending and Budget Tracking: Categorize and visualize your expenses to help you budget better.
• Affordability and Cash Flow Insights: Get nudges on your financial health, including alerts about potential overspending or unusual charges.
• Debt and Savings Planning Tools: Strategically plan how to pay down loans and build emergency savings.
• Notifications and Nudges: Timely reminders and suggestions designed to promote good financial habits.

We are continually adding new features and improvements, and some functionalities may vary over time or by region.

3. User Accounts

To access Henrie.ai, you must create an account. You are responsible for safeguarding your login credentials and for all activity under your account.

• Profile Information: You agree to provide accurate and up-to-date personal and financial information.
• Account Cancellation: Users may cancel their accounts at any time.

4. User Conduct

Users must use the platform in a lawful and respectful manner. Prohibited conduct includes, but is not limited to, harassment, abuse, spamming, unauthorized access to other accounts, or any activity that interferes with the normal operation of the service.

5. Intellectual Property Rights

All content and features of Henrie.ai, including but not limited to design, logos, algorithms, and software, are the property of Tenafli Inc. You may not reproduce, modify, distribute, or create derivative works from any content without prior written permission.

6. Privacy Policy

Your use of Henrie.ai is also governed by our Privacy Policy, which explains how we collect, use, and protect your data, including information shared via Plaid when linking bank accounts. Please review it here.

7. User Responsibilities

Users agree not to use Henrie.ai for unlawful purposes. You are responsible for any data you input and any actions you take based on the insights or recommendations provided by the app.

8. Termination and Cancellation

We reserve the right to terminate any account that violates our Terms of Use or community standards, engages in fraud, or poses a risk to the integrity of our platform. Cancellation of an account may require up to 24 hours to take effect. Certain minimal identifying information may be retained to resolve outstanding issues.

9. Warranties and Liability

Henrie.ai is provided "as is." While we strive to offer accurate insights, we do not guarantee that all information or suggestions will be accurate, complete, or suitable for every situation. Tenafli Inc. disclaims all warranties to the fullest extent permitted by law. Use of the service is at your own risk.

10. Payments and Third-Party Services

Henrie.ai may offer free and paid features. Payments are processed by third-party providers (such as Stripe). We do not store any of your payment details. Linking your bank account is done securely through Plaid, a trusted third-party aggregator. By using these features, you agree to the terms of those respective providers.

By using Henrie.ai, you agree to be bound by these Terms. If you do not agree, please do not use the service.