These Terms of Service (the "Terms") are a binding agreement between Truv Inc. (the "Company," "we," "us," or "our"), and each individual or entity who accesses or uses the website located at https://mytruv.com (the "MyTruv"), our web application, and any mobile applications we make available (collectively, the "Services"). Via the Services Truv provides a personal finance information management tool that helps users view, organize, analyze, track, and monitor their financial information in one place.
By creating an account via MyTruv, clicking "Continue" (or similar), downloading or using our mobile application, and/or accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not access or use the Services.
For ease of reference, the following terms will have the meanings given below:
You must be at least 18 years old to use the Services. The Services are not intended for children. You may not use the Services if you are barred under Applicable Law or are subject to U.S. or other applicable embargo, sanctions, or export restrictions.
To access certain features, you must register for an Account. You agree to provide accurate, current, and complete information and to keep such information updated. You are responsible for all activities that occur under your Account. You must maintain the confidentiality and security of your login credentials and not share them with others. Accounts are personal to you and are non-transferable.
You must promptly notify us at support@truv.com if you suspect unauthorized access to your Account or any security incident involving your Account or the Services.
The Services are a read-only personal finance information management tool that aggregates and displays information from Linked Accounts you connect so you can view, organize, analyze, track, and monitor your financial information in one place.
We do not initiate, process, or execute transfers, payments, or other transactions on your behalf. We are not a money transmitter or provider of electronic fund transfer services.
The Services are for informational purposes only and are not financial, investment, legal, tax, or other professional advice. We do not provide any fiduciary services. You should consult qualified professionals for advice tailored to your situation.
We may modify or discontinue features, functionality, or components of the Services at any time, with or without notice. The Services may be unavailable from time to time due to maintenance, upgrades, outages, or other reasons.
The Services include a feature that works as an automated, artificial intelligence-powered (the "AI Guide") that provides real-time responses, explanations, and insights intended to help users understand, navigate, and organize their use of the Services and their financial information.
The AI Guide is provided for informational and organizational purposes only. Responses may be incomplete, inaccurate, outdated, or based on assumptions or limited context, and should not be relied upon as definitive or complete.
The AI Guide does not provide financial planning, investment advice, legal advice, tax advice, or fiduciary services. Any insights or suggestions are general and informational only.
You acknowledge that any decisions you make based on AI-generated information are made at your own risk, and We or the Services shall not be responsible for outcomes resulting from reliance on such information.
By connecting Linked Accounts, you authorize Truv as your agent to access, retrieve, refresh, aggregate, and use read-only data from the Linked Accounts you select, connect or authorize solely to provide, operate, maintain, improve, and support the Services.
For the sole purpose of accessing authorized third-party data, you grant Us a limited power of attorney to act on your behalf via the Services. You do not grant us any authority to move money, initiate transactions, change settings on your Linked Accounts.
You may disconnect a Linked Account at any time via Account settings. After disconnection, the Services will stop refreshing data from that Linked Account. We may retain historical data as permitted by our Privacy Policy and Applicable Law.
As between you and Truv, you retain ownership of your User Content and your personal data. Truv does not claim ownership of data retrieved from your Linked Accounts.
You grant Truv a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, store, process, analyze, format, modify for display, and otherwise use your User Content and data from your Linked Accounts solely to provide, operate, maintain, secure, troubleshoot, and improve the Services.
Where available, you may download or export certain data from the Services. You may request deletion of your Account and associated personal data in accordance with our Privacy Policy and Applicable Law by contacting support@truv.com or via Account settings.
You must use the Services only for lawful purposes and in compliance with these Terms. Without limiting the foregoing, you must not:
We may offer various plans (monthly, annual, or other periods) with different features. Current plan names, features, and pricing are disclosed at the time of purchase and in your Account settings.
For paid plans we may offer free trials for a stated period of time with specified features. Unless you cancel before the end of the trial, your Subscription will automatically convert to a paid, auto-renewing Subscription at the then-current rate disclosed at signup.
Your paid Subscriptions automatically renew for successive periods equal to the initial term (e.g., monthly or annually) and you will be charged the then current price, including any applicable taxes, unless you cancel.
You may cancel your Subscription at any time via your Account settings. Upon cancellation, you will continue to have access to the paid features through the end of your current paid period, and future charges will stop.
Except where required by law or expressly stated otherwise, fees are non-refundable, and we do not provide partial or prorated refunds.
The Services are informational only and do not constitute financial, investment, legal, tax, or other professional advice. Truv does not act as a fiduciary, advisor, or broker.
You acknowledge that data may be incomplete, outdated, or inaccurate, and you are solely responsible for your use of the data and any decisions you make based on it.
The Services, including software, technology, user interfaces, designs, text, graphics, images, and other materials provided by Truv (excluding User Content and third-party content), are owned by Truv and are protected by intellectual property laws.
Subject to these Terms, Truv grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable, personal license to install and use the Services solely for your personal finance management purposes.
THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, OR RELIABILITY. WITHOUT LIMITING THE FOREGOING, MYTRUV DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT DATA FROM THIRD PARTIES WILL BE TIMELY, COMPLETE, OR ACCURATE. MYTRUV MAKES NO PROMISES REGARDING ANY FINANCIAL OUTCOMES, SAVINGS, RETURNS, APPROVALS, OR OTHER RESULTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL TRUV OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST SAVINGS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Before initiating arbitration, the parties will attempt in good faith to resolve any dispute, controversy, or claim arising out of or relating to these Terms or the Services by contacting support at legal@truv.com and engaging in an informal resolution process for thirty (30) days.
If the Dispute is not resolved within the 30-day period, it will be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The seat and venue of arbitration will be New York, New York.
YOU AND TRUV AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING.
These Terms are governed by the laws of the State of New York, without regard to its conflicts of law principles.
These Terms, together with any incorporated policies (including the Privacy Policy), plan or Subscription-specific terms presented at purchase, and applicable platform terms, constitute the entire agreement between you and Truv regarding the Services.
For questions about the Services or these Terms, contact us at:
Email: support@truv.com