Terms of Service

Effective: 2026-07-26

These Terms govern your use of Faithful Finance (the “Service”). 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].

• Open to verified account holders age 18 or older, resident in the United States
• Drawings occur on or about the 1st of each month using a deterministic seeded algorithm; winners are selected by weighted random sampling based on ticket count
• Prize details for each month are shown on the Rewards page
• Prizes are fulfilled in the form of digital gift cards through our partner Tremendous and are non-transferable
• Accounts flagged for fraud, multi-accounting, or other abuse are ineligible
• Void where prohibited
• Winners agree to allow us to display their community username (or “Anonymous Steward” if no username is set) and prize amount in the app

6. Acceptable use

You may not:

• Misrepresent your identity or financial activity to inflate rewards entries
• Create multiple accounts to evade caps, drawings, or content moderation
• Scrape, copy, or reverse-engineer the Service or its underlying models
• Use the Service for any unlawful purpose, money laundering, or evasion of sanctions
• Harass, threaten, or harm other users through any community feature

7. Not financial, tax, or legal advice

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.

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. 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.

10. 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.

11. 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.

12. 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.

13. 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 IP, disclaimers, limitation of liability, and dispute resolution — will survive.

14. 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.

15. Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflicts of law principles. Disputes will be resolved exclusively in state or federal courts located in Travis County, Texas, unless required by consumer-protection law to be heard elsewhere.

16. Contact

Questions about these Terms: [email protected]