Faithful Finance
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Terms of Service

Effective: 2026-08-24

These Terms govern your use of Faithful Finance (the “Service”), which is provided by Blue Collar Dev LLC, a New Hampshire limited liability company (“Company,” “we,” “us,” or “our”). By creating an account or using the Service you agree to them. If you don’t agree, don’t use the Service.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract under the laws of your jurisdiction. The Service is intended for U.S. residents; we make no representation that it is appropriate for use elsewhere.

2. Your account

You are responsible for keeping your credentials confidential and for everything that happens under your account. Notify us immediately at [email protected] if you suspect unauthorized access. We may suspend or terminate accounts that violate these Terms, abuse the Service, attempt to defraud the rewards drawing, or are required by law to be closed.

3. Subscriptions, billing, and auto-renewal

Paid plans (Steward and Steward Pro) are auto-renewable subscriptions billed monthly or annually at the price shown at the point of purchase. Depending on where you subscribe, payment is processed by Stripe (web checkout), Apple (App Store in-app purchase), or Google (Google Play billing).

Your subscription renews automatically at the end of each billing period at the then-current price unless you cancel at least 24 hours before the current period ends. For App Store and Google Play purchases, payment is charged to your Apple ID or Google account, and the renewal charge is applied within 24 hours before the end of the current period.

You may cancel at any time: Stripe subscriptions from Settings → Manage Subscription; App Store subscriptions in your Apple ID subscription settings; Google Play subscriptions in the Play Store. Cancellation stops future charges and your access continues through the end of the current billing period. We do not provide refunds for partial periods except where required by law; refunds for App Store or Google Play purchases are handled by Apple or Google under their own policies.

4. Financial Wellness Course

The Financial Wellness Course is a one-time purchase. Refunds are available within 14 days of purchase if you have completed less than 25% of the course content. After that point sales are final.

5. Monthly Rewards Drawing

NO PURCHASE IS NECESSARY TO ENTER OR WIN. Entries (“tickets”) are earned by completing in-app activities such as verified financial challenges, hitting savings goals, paying off debts, and reaching streak milestones. Equivalent free entries are available to any active account holder upon request to [email protected].

6. Acceptable use

You may not:

7. Not financial, tax, or legal advice; no fiduciary duty

Faithful Finance provides educational and organizational tools. The AI Coach, insights, and scripture references are not financial, investment, tax, or legal advice. You are responsible for your own decisions. Always consult a qualified professional for advice on your specific situation.

Faithful Finance is not a bank, broker-dealer, investment adviser, or money transmitter. We do not hold, custody, or transmit your funds, and we do not initiate, authorize, or process payments, transfers, or ACH debits or credits on your behalf. The Service reads account information through Plaid; it does not act on your accounts.

We are not your fiduciary, and nothing in the Service creates a fiduciary, advisory, or agency relationship between you and us. Balances, transaction categorization, projections, and other data shown in the Service are provided for informational and organizational purposes only. This data may be delayed, incomplete, or inaccurate, including because of errors or delays from Plaid or your financial institution, and should not be relied on as a substitute for your bank’s or broker’s own records. You are solely responsible for verifying your account information directly with your financial institution before making any financial decision. To the fullest extent permitted by law, we are not liable for financial hardship — including overdraft or late fees, missed payments, damage to your credit, or investment losses — arising from your use of, or reliance on, the Service.

8. Third-party services

The Service integrates with Plaid for account connections, Stripe for payments, Anthropic for the AI Coach, Supabase and Vercel for hosting, and Tremendous for gift-card fulfillment. Use of those services is also subject to their own terms. We are not responsible for outages, data losses, or actions of third parties beyond our reasonable control.

9. Data security

We use commercially reasonable safeguards to protect your information, including the encryption, access controls, and monitoring described in our Privacy Policy. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee the absolute security of your information. You are responsible for using a strong, unique password, enabling multi-factor authentication, and promptly notifying us at [email protected] if you suspect unauthorized access to your account.

If we experience a security incident affecting your personal information, we will notify affected users and applicable regulators as required by law. Except as otherwise required by law, we are not liable for unauthorized access to, alteration of, or loss of your information resulting from circumstances beyond our reasonable control, including vulnerabilities in third-party services we integrate with (such as Plaid, Stripe, Supabase, or Vercel), attacks that circumvent reasonable security measures, or your own failure to safeguard your credentials.

10. Intellectual property

We own all rights in the Service, including its design, code, and content (except your data and content you create). You retain ownership of your data and grant us a non-exclusive license to process it solely for the purpose of operating the Service.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY FINANCIAL DATA DISPLAYED IN THE SERVICE WILL BE ACCURATE OR CURRENT.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND (B) USD $100. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. WITHOUT LIMITING THE FOREGOING, AND TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR: (I) FINANCIAL HARDSHIP, INCLUDING OVERDRAFT OR LATE FEES, MISSED PAYMENTS, DAMAGE TO YOUR CREDIT, OR INVESTMENT LOSSES, RESULTING FROM YOUR USE OF OR RELIANCE ON THE SERVICE; OR (II) ANY UNAUTHORIZED ACCESS TO, OR BREACH OF, YOUR DATA, EXCEPT WHERE CAUSED BY OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

13. Indemnity

You agree to indemnify us against claims, damages, and costs arising from your violation of these Terms, your misuse of the Service, or your violation of any third-party rights.

14. Dispute resolution; binding arbitration; class action waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

14.1 Agreement to arbitrate. Except for disputes that qualify for small claims court or claims for injunctive relief to protect intellectual property, you and Blue Collar Dev LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including disputes about financial hardship, data security, or a security incident — will be resolved by binding, individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual action in small claims court.

14.2 Class action waiver. YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING. Claims must be brought in an individual capacity only. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of a class or representative proceeding.

14.3 Opt-out. You may opt out of this arbitration agreement by emailing [email protected] within 30 days of first agreeing to these Terms, with your name and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

14.4 Severability. If the class action waiver in Section 14.2 is found unenforceable as to a particular claim, that claim (and only that claim) must be litigated in the courts described in Section 17 (Governing Law), and the remainder of this arbitration agreement remains in force for all other claims.

15. Termination

You may stop using the Service at any time and delete your account from Settings → Danger Zone. We may suspend or terminate accounts that materially violate these Terms. Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnity, and dispute resolution/arbitration — will survive.

16. Changes

We may update these Terms. Material changes will be announced by email and in-app notice before they take effect. Continued use after a change means you accept the updated Terms.

17. Governing law

These Terms, and any dispute excluded from arbitration under Section 14, are governed by the laws of the State of Texas, without regard to its conflicts of law principles. Any such dispute will be resolved exclusively in state or federal courts located in Travis County, Texas, unless required by consumer-protection law to be heard elsewhere.

18. Contact

Questions about these Terms: [email protected]