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Terms of Service

Last updated: October 11, 2026

These Terms of Service (“Terms”) govern your use of the GroFunds app and related services (the “Service”), operated by Aryan Patel (“GroFunds”, “we”, “us”, “our”). By using GroFunds, you agree to these Terms. Please read them carefully.

Acceptance of terms

By creating an account or using the Service, you confirm you can form a binding contract and agree to these Terms and our Privacy Policy. If you don’t agree, please don’t use the Service.

GroFunds is not a financial advisor

GroFunds is a personal finance tool that helps you record and understand your money. It is not a financial advisor, accountant, broker, or tax professional. The insights, forecasts, risk scores, budgets, and recommendations the Service provides are informational only and are based on the data you enter. They are not professional financial, investment, legal, or tax advice.

You are responsible for your own financial decisions. Always consider your full circumstances and consult a qualified professional before making important decisions. GroFunds does not guarantee any financial outcome.

Your account

  • You’re responsible for the accuracy of the information you enter and for keeping your account credentials secure.
  • You’re responsible for activity that happens under your account.
  • If you invite others to a shared workspace, you’re responsible for who you give access to. Members of a workspace can see its financial data.

Bank connections

  • You can connect accounts at your financial institutions through our data provider, Plaid Inc. (“Plaid”). By connecting an account, you authorize GroFunds and Plaid to access and retrieve information from that institution on your behalf, and you agree that Plaid’s handling of your information is governed by Plaid’s End User Privacy Policy.
  • You confirm that you are authorized to access every account you connect.
  • The connection is read-only. GroFunds cannot move money, make payments, or change anything at your institution.
  • Information from institutions can be delayed, incomplete, or inaccurate, and an institution or Plaid may interrupt or end a connection. GroFunds is not responsible for the availability or accuracy of information supplied by third parties. Check important figures with your institution.
  • You can disconnect an institution at any time in the app. See our Privacy Policy for what happens to its data.

Acceptable use

You agree not to:

  • Use the Service for any unlawful purpose or to violate others’ rights.
  • Attempt to access accounts or data that aren’t yours, or bypass security or access controls.
  • Disrupt, overload, reverse engineer, or interfere with the Service or its infrastructure.
  • Upload malicious code or content that you don’t have the right to submit.

Subscriptions & billing

  • GroFunds has no free tier. Using it requires a subscription, GroFunds Premium, offered as a monthly or a yearly plan. New subscribers may receive a 7-day free trial. The price shown in the app at the time of purchase governs.
  • Subscriptions are sold and billed through the Apple App Store (and, when available, Google Play). Payment, renewals, refunds and cancellations are handled by that store under its terms.
  • Subscriptions renew automatically until cancelled at least 24 hours before the end of the current period. You can manage or cancel anytime in your store account (on iPhone: Settings › Apple Account › Subscriptions). Cancelling stops future renewals; access continues until the end of the current billing period.
  • If you don’t cancel a free trial before it ends, it converts to a paid subscription.
  • One partner included. A subscription also covers one other person who is an active member of a workspace the subscriber owns: the earliest member to join who doesn’t have their own subscription. Anyone else needs their own subscription. The partner’s access depends on the subscriber’s: if the subscription ends, the partner’s does too.
  • Bank connections. Each person can connect up to 5 banks. When a person’s access ends, the banks they connected stop syncing, and after 30 days the connection is removed; transactions already imported stay in the workspace.
  • Deleting your account does not cancel your subscription; cancel it in your store account.

AI features

Glint can use AI to understand questions and to explain figures, if you allow it. The figures themselves are calculated by GroFunds, not by AI, but AI-written explanations can still be wrong or incomplete. Glint gives general information about your own money and is not financial, investment, tax or legal advice. Check anything important before acting on it. See the Privacy Policy for what AI processing receives.

Intellectual property

The Service, including its design, software, and brand (including the GroFunds name and logo), is owned by us and protected by law. We grant you a limited licence, which is neither exclusive nor transferable, to use the Service for your personal use. Your financial data remains yours.

Termination

You can stop using the Service and delete your account at any time (see Data Deletion). We may suspend or terminate access if you violate these Terms or use the Service in a way that risks harm to others or to the Service. Sections that by their nature should survive termination (e.g. disclaimers and limitation of liability) will continue to apply.

Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, free of errors, or that insights will be accurate or suitable for your purposes.

Limitation of liability

To the maximum extent permitted by law, GroFunds and its team will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, data, or financial outcomes, arising from your use of (or inability to use) the Service. Nothing in these Terms limits liability that cannot be limited under applicable law.

Governing law & disputes

These Terms are governed by the laws of the Province of Manitoba and the federal laws of Canada applicable therein, without regard to its conflict of laws rules. You agree that the courts located in Manitoba, Canada will have exclusive jurisdiction to resolve any dispute arising out of or relating to these Terms or the Service, except where applicable law gives you the right to bring proceedings in your local courts. Nothing in this section removes any mandatory consumer protection rights you have under the law of your country of residence.

Changes to these terms

We may update these Terms from time to time. We’ll update the “Last updated” date and, for significant changes, provide additional notice where appropriate. Continued use of the Service after changes means you accept the updated Terms.

Contact

Questions about these Terms? Email customersupport@grofunds.app.