Terms of Service

1. Acceptance of these terms

These Terms of Service (the “Terms”) are an agreement between you and Inzolo (“Inzolo,” “we,” “us,” or “our”) and govern your access to and use of the Inzolo web application and related services (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you don’t agree, don’t use the Service.

2. The Service

Inzolo is a zero-based budgeting application that helps you assign income to categories, import and review transactions, plan debt payoff, and receive coaching and reminders. Features, availability, and limits may change as the Service develops.

3. Availability & changes

Inzolo is an actively developed product. That means parts of the Service may be incomplete, may change, or may occasionally be unavailable, and some features described in marketing materials may be on the roadmap rather than live. We may add, modify, or remove features at any time. We’ll try to give reasonable notice of significant changes, but we’re not obligated to maintain any particular feature.

4. Your account & eligibility

• You must be at least 16 years old (or the age of majority where you live) to use the Service.
• You’re responsible for the accuracy of the information you provide and for keeping your login credentials secure.
• You’re responsible for activity that occurs under your account. Tell us promptly at support@inzolo.com if you suspect unauthorized access.

5. Not financial, tax, or legal advice

Inzolo provides budgeting tools, projections, and AI-generated suggestions for informational purposes only. They are not financial, investment, tax, accounting, or legal advice, and they don’t account for your full circumstances. Debt-payoff projections, “safe to spend” figures, and coaching are estimates based on the data you provide and may be inaccurate or incomplete. Always verify important numbers and consider consulting a qualified professional before making financial decisions. You are solely responsible for your financial choices.

6. AI features

Some features use automated and AI-assisted processing — for example, suggesting transaction categories, summarizing your budget, or mapping import columns. These suggestions can be wrong. They are advisory only and never move your money on their own: imported transactions stay unapproved until you approve them. You are responsible for reviewing suggestions before relying on them.

7. Bank connections & third-party services

If you connect a financial institution through a third-party data provider (such as Plaid or SimpleFIN), your use of that connection is also subject to that provider’s and your institution’s terms. We don’t control those services and aren’t responsible for their accuracy, availability, or actions. Imported data may be delayed, incomplete, or contain errors from the source.

8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Attempt to access accounts, data, or systems that aren’t yours.
• Probe, scan, or test the vulnerability of the Service, or breach its security, without authorization.
• Interfere with or disrupt the Service, or impose an unreasonable load on our infrastructure.
• Reverse engineer or copy the Service except as permitted by law.
• Upload malware or use the Service to infringe others’ rights.

9. Your content

You retain ownership of the data you put into Inzolo. You grant us a limited license to host, process, and display that data solely to operate and improve the Service for you, consistent with our Privacy Policy. You’re responsible for the legality of the data you provide.

10. Fees

The Service may be offered free of charge while it is actively developed. We may introduce paid plans in the future; if we do, we’ll give you notice and an opportunity to review the pricing before any charges apply to your account.

11. Intellectual property

The Service, including its software, design, and content (excluding your data), is owned by Inzolo and protected by intellectual-property laws. These Terms don’t grant you any rights to our trademarks or branding.

12. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the Service. On termination, your right to use the Service ends; provisions that by their nature should survive (such as disclaimers and limitations of liability) will survive.

13. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We don’t warrant that the Service will be uninterrupted, error-free, secure, or that any data, projection, or suggestion will be accurate.

14. Limitation of liability

To the maximum extent permitted by law, Inzolo and its team will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of (or inability to use) the Service. To the extent we are found liable, our total liability will not exceed the greater of the amount you paid us for the Service in the twelve months before the claim, or USD $100. Some jurisdictions don’t allow certain limitations, so some of these may not apply to you.

15. Indemnification

You agree to indemnify and hold Inzolo harmless from claims, losses, and expenses (including reasonable legal fees) arising from your misuse of the Service or your violation of these Terms or applicable law.

16. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we’ll update the “Last updated” date above and, where appropriate, notify you in the app or by email. Your continued use of the Service after changes take effect means you accept the updated Terms.

17. Governing law

These Terms are governed by the laws of the State of Utah, United States, without regard to its conflict-of-laws rules, and you agree to the exclusive jurisdiction of the state and federal courts located there, except where applicable law gives you the right to bring claims elsewhere.

18. Contact us

Questions about these Terms? Email legal@inzolo.com.