Last updated: August 21, 2026

These Terms of Service (“Terms”) govern your access to and use of Finablo’s website, web application, and related services (together, the “Services”). By creating an account or otherwise using the Services, you agree to these Terms. If you do not agree, please do not use the Services.

Two other documents form part of your agreement with us and are incorporated here by reference:

  • Our Privacy Policy, which explains what we collect and how we use it.
  • Our Disclaimer, which explains — importantly — that Finablo provides financial education, not financial advice.

If anything in these Terms conflicts with the Disclaimer on the subject of financial advice, the Disclaimer controls. On every other subject — including the disclaimer of warranties and the limitation of liability in Section 10, and the indemnity in Section 11 — these Terms control, and nothing in the Disclaimer or the Privacy Policy expands our liability or narrows those Sections.

1. Who may use Finablo

You must be at least 18 years old and able to form a binding contract to use the Services. The Services are intended for use in the United States. We do not represent that the Services are appropriate or available in other jurisdictions, and you are responsible for compliance with local law if you access them from elsewhere.

You may hold one account for your own personal, non-commercial use. Do not create an account for anyone else or share your access with others.

2. Your account

Finablo does not use passwords. You sign in either by entering your email address and then a one-time code we send to that address, or by using Google Sign-In. Either way, access to the email account you sign in with is access to your Finablo account. Keep that email account secure, and tell us promptly at jayant@finablo.com if you believe someone else has reached your account.

You agree that the email address you provide is one you control and that the information you give us is accurate.

3. What the Services are — and are not

Finablo helps you understand your own financial position through a self-assessment, an educational curriculum, a generated action plan, and a conversational assistant (“Sage”).

Finablo is an educational tool. It is not a registered investment adviser, broker-dealer, financial planner, tax advisor, accountant, or fiduciary, and nothing it produces is personalized financial, investment, tax, accounting, or legal advice. No advisory, fiduciary, professional, or client relationship of any kind is created between you and Finablo by your use of the Services, by anything the Services generate, or by any communication with us. Your decisions remain yours. The Disclaimer sets this out in full.

4. Get professional advice before you act

This section is the one we most want you to read.

Everything the Services produce — your score, your freedom age, projections, timelines, scenarios, action plans, “first moves”, Sage’s replies, and any figure, ranking, or recommendation of any kind — is educational output generated from information you typed in, using general models and stated assumptions. It is not a recommendation to buy, sell, hold, contribute to, withdraw from, or restructure anything.

You agree that before acting on anything you see in the Services, you will independently verify it and discuss it with a licensed financial adviser, tax professional, or attorney who knows your actual circumstances. Your circumstances, applicable law, contribution limits, tax treatment, and market conditions change, and the Services do not know about them.

You use the Services, and act or decline to act on their output, entirely at your own risk. Finablo is not responsible for any loss, damage, or harm of any kind arising from a decision you make in connection with the Services — including investment losses, tax liabilities, penalties, missed opportunities, fees, foregone gains, or any change in your financial position. See Section 10.

5. Early-stage product — expect it to change

Finablo is an early-stage, experimental product. We are actively testing whether and how it is useful, and we will keep changing it until we find the right fit. You should expect, and you accept, that:

  • features may be added, altered, restricted, paused, or removed at any time, without notice and without liability to you;
  • scoring methodology, projection assumptions, benchmarks, and the content and format of reports and action plans may change, so results you saw before may not reproduce later;
  • the Services may be unavailable, interrupted, slow, or unreliable, and may contain bugs, errors, and inaccuracies;
  • the Services are provided on a free, best-effort basis with no service level, no support commitment, and no guarantee of continuity; and
  • we may discontinue the Services, or your access to them, in whole or in part, at any time.

Do not rely on the Services as a system of record. Keep your own copies of anything you need. We do not guarantee that your data will be retained, recoverable, exportable, or backed up, and we are not liable for any loss of or inability to access your data.

6. The information you give us, and what we do with it

Everything Finablo tells you is derived from information you provide about your income, expenses, savings, debts, and goals. We do not connect to your bank, verify your figures, or independently confirm anything you enter.

It follows that the quality of your results depends entirely on the accuracy of your inputs. Scores, projections, freedom-age estimates, and action plans are illustrative models based on stated assumptions — not predictions, guarantees, or promises of any outcome. Projections about future returns are inherently uncertain and will be wrong to some degree. Past or hypothetical performance is not indicative of future results.

7. Automated and AI-generated content

Parts of the Services — including your action plan, Sage’s replies, and much of the interactive lesson content in the curriculum (including its examples, calculators, and quiz questions) — are generated by automated systems, including third-party large language models. Such output can be incomplete, outdated, or simply incorrect, even when it reads as confident and specific. It may state figures, limits, rates, or rules that are wrong.

Treat AI-generated content as a starting point for your own thinking, never as a recommendation to act. Do not rely on it without checking it. We do not warrant that this output is accurate, and Sections 4 and 10 apply to it in full.

8. Acceptable use

Please do not:

  • use the Services for any unlawful purpose, or to violate anyone’s rights;
  • attempt to access another user’s account, data, or any non-public part of our systems;
  • probe, scan, or test the vulnerability of the Services, or defeat any security or rate-limiting measure;
  • scrape, crawl, or harvest content or data by automated means;
  • copy, resell, or redistribute the Services or their content commercially;
  • submit anyone else’s personal or financial information without their permission;
  • present output from the Services to any third party as financial, investment, tax, or legal advice, or as advice from a licensed professional;
  • upload malware, or interfere with the Services’ normal operation or with other users’ use of them.

We may suspend or terminate access that we reasonably believe breaches this section, at any time and without notice.

9. Content and intellectual property

Ours. The Services — including the curriculum, scoring methodology, text, design, and software — belong to Finablo or its licensors and are protected by intellectual property law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Services for your own personal purposes under these Terms. No other rights are granted.

Yours. You keep ownership of the information you submit. You grant us a licence to host, process, and display it to operate the Services for you, and to improve the Services using de-identified or aggregated data, as described in the Privacy Policy.

Feedback. If you send us suggestions, we may use them freely and without obligation to you.

10. Assumption of risk, disclaimers, and limitation of liability

You assume all risk arising from your use of the Services and from any decision you make in connection with them.

The Services are provided “as is” and “as available”, without warranties of any kind, express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, quiet enjoyment, or non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Services will be uninterrupted, timely, secure, accurate, or error-free, or that any defect will be corrected.

To the maximum extent permitted by law, Finablo and its owners, operators, employees, contractors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, investment value, business, opportunity, data, or goodwill, arising out of or relating to the Services — including any financial, investment, tax, or other decision you make or decline to make in reliance on them, any inaccuracy in any figure or recommendation the Services produce, and any unavailability of or change to the Services — whether based in contract, tort (including negligence), strict liability, or any other theory, and whether or not we were advised of the possibility. This applies even if a limited remedy is found to have failed of its essential purpose.

Our total aggregate liability arising out of or relating to the Services will not exceed the greater of (a) the total amount you paid us in the twelve months before the claim, or (b) one hundred U.S. dollars (US$100). Finablo is currently offered free of charge, so in most cases this cap will be US$100.

Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you. Nothing in these Terms limits liability that cannot lawfully be limited, including liability for fraud or for death or personal injury caused by negligence.

11. Indemnity

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Finablo and its owners, operators, employees, and contractors from any third-party claim, demand, loss, liability, or expense (including reasonable legal fees) arising out of your misuse of the Services, your breach of these Terms, any decision you or a third party makes based on output from the Services, or your violation of any law or of anyone else’s rights. This Section does not require you to indemnify us against a claim you yourself bring against us.

12. Termination

You may stop using the Services at any time, and you may ask us to delete your account and associated data by emailing jayant@finablo.com, as described in the Privacy Policy.

We may suspend or terminate your access if you breach these Terms, if we reasonably believe it is necessary to protect the Services or other users, or if we discontinue the Services. Sections 3, 4, 5, 6, 7, 9, 10, 11, 13, 14 and 16 survive termination.

13. Dispute resolution — arbitration and class-action waiver

Please read this section carefully. It affects how disputes between you and Finablo are resolved, and it limits your right to go to court or to participate in a class action.

Informal resolution first. Before starting any formal proceeding, you agree to email us at jayant@finablo.com describing the dispute, and to give us 30 days to resolve it. Nearly everything is faster to resolve directly, and we would rather fix the problem.

Binding arbitration. If we cannot resolve it informally, you and Finablo agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration, administered by JAMS under its Streamlined Arbitration Rules, rather than in court. The arbitration will take place in California or, at your election, by telephone, video, or documents only. The arbitrator may award the same individual relief a court could, and the arbitrator’s decision may be entered as a judgment in any court of competent jurisdiction. This agreement to arbitrate is governed by the Federal Arbitration Act.

Class-action waiver. You and Finablo each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any class or representative proceeding.

Exceptions. Either party may bring an individual claim in small-claims court. Either party may seek injunctive relief in court to protect its intellectual property. And nothing in this section waives your right to seek public injunctive relief in a court of competent jurisdiction where such a waiver would be unenforceable.

Your right to opt out. You may opt out of this Section 13 by emailing jayant@finablo.com with the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. If you already had a Finablo account when these Terms were first published on August 21, 2026, your 30 days run from the first time you use the Services on or after that date. Opting out will not affect any other part of these Terms, and we will not treat it as a reason to restrict your access.

Severability. If the class-action waiver above is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in court under Section 14, while all other claims remain in arbitration.

14. Governing law and venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration under Section 13, you and Finablo agree to the exclusive jurisdiction of the state and federal courts located in California, and each of us waives any objection to venue there. This paragraph does not apply to a small-claims action permitted by Section 13, which either party may bring in a small-claims court that has jurisdiction over the other party.

15. Changes to these Terms

Because Finablo is early-stage and changing quickly, we expect to update these Terms from time to time. When we do, we will revise the “Last updated” date above, and — for changes that materially affect your rights — we will give notice through the Services or by email before they take effect. Continuing to use the Services after a change takes effect means you accept the revised Terms.

16. General

These Terms, together with the Privacy Policy and Disclaimer, are the entire agreement between you and Finablo about the Services. If any provision is found unenforceable, it will be limited or severed to the minimum extent necessary and the rest remains in force. Our not enforcing a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

17. Contact

Questions about these Terms: jayant@finablo.com