Terms of Service

Effective and last updated September 13, 2026

These Terms govern your use of Revlo’s website and personal-finance workspace. Please read the billing, data-control and service-limit sections before creating an account or purchasing Revlo Plus.

1. Agreement and eligibility

These Terms form an agreement between you and the operator of Revlo (“Revlo,” “we,” or “us”). By accepting these Terms during signup, you agree to them. If you do not agree, do not create an account or use the authenticated service. You must be at least 18, able to form a binding contract, and authorized to provide any information or connect any account you use. A parent’s consent does not create an exception to the minimum age.

The Privacy Policy describes our information practices, and the Financial Disclosures explain the service’s limitations. A privacy notice is not a blanket consent to unrelated processing. Mandatory consumer and privacy rights continue to apply.

2. The service

Revlo provides a public product website and sample-data demo, plus an account-based workspace for transactions, category budgets, recurring-payment schedules, investments, financial goals, assets, debts, net worth and period reports. The current authenticated financial workspace requires Revlo Plus. Creating an account does not itself start a paid subscription. Availability of bank connections and billing depends on provider configuration and eligibility.

Revlo organizes information; it does not hold your deposits, place trades, pay your bills, move investment funds, or provide personalized financial, investment, accounting, tax or legal advice. Stripe separately processes any payment you authorize for a Revlo subscription. Recurring-payment entries in the finance tracker do not create, pay or cancel subscriptions with other merchants.

3. Your account

Use accurate account information and keep your password and email account secure. Supabase Auth provides email/password login, verification and recovery. You are responsible for activity you authorize and for notifying us of suspected misuse; these Terms do not make you responsible for every unauthorized act regardless of its cause. Email changes and recovery may require provider verification. Do not share your login or impersonate another person.

You can request account deletion in Settings → Account or contact support. Export records you need before deleting the workspace or allowing paid access to end. Account deletion is distinct from ordinary subscription cancellation and can end access immediately. Review any reported failure or incomplete provider removal; contact support for completion rather than assuming every external record was deleted.

4. Connected financial accounts

Connect only accounts you own or are authorized to access. By completing Stripe’s connection flow, you authorize access to the data and permissions presented there for use in Revlo. Review Stripe’s and your institution’s terms and privacy information. Linking financial data is not authorization for Revlo to transfer money from that account.

Coverage, balances and transaction history may be incomplete, delayed or unavailable. You remain responsible for checking official institution records. You can request disconnection using the available account control or by contacting support. Previously imported records may remain after disconnection; see the Privacy Policy for deletion choices. Ending Plus access does not, by itself, revoke a connection at Stripe or your bank.

5. Revlo Plus and billing

Paid access and price. Revlo Plus is offered on monthly and annual plans when checkout is enabled. Review the amount, currency, interval, applicable taxes, discounts and renewal terms displayed in Stripe Checkout before purchasing. The annual plan is charged as an annual payment, even when the interface shows a monthly equivalent. If a displayed price conflicts with checkout, do not complete the purchase until support resolves the discrepancy.

Automatic renewal. A purchased subscription renews for the selected billing interval until canceled. By completing the recurring-subscription purchase in Checkout, you authorize the disclosed recurring charges to your selected payment method. Signup, browsing the demo, or merely linking bank data does not authorize subscription charges. Promotional or trial terms apply only when expressly offered and disclosed during purchase; there is no automatic promise of a free trial.

Manage and cancel. Open your account menu → Settings → Subscription → Manage subscription to reach Stripe’s billing portal. You can also use a Manage subscription button in the app. Complete cancellation and review the confirmation and effective date shown by the portal. A scheduled end-of-period cancellation normally leaves access available for the remaining paid period. Immediate cancellation or account deletion may end access sooner. If the portal is unavailable, contact support for cancellation help. Signing out, removing a bank connection, or deleting local browser data does not cancel Plus.

Refunds and payment issues. Except where required by law or expressly offered, payments for an already-started subscription period are not automatically refundable. Contact support about duplicate, unauthorized or incorrect charges, or service problems; statutory refund, withdrawal and dispute rights are preserved. Failure to pay may restrict paid features after provider processing. A successful checkout redirect alone is not proof of active entitlement; activation depends on payment and subscription confirmation.

Changes. Any price change applies prospectively, with advance notice and an opportunity to cancel before it takes effect, and any additional consent required by law. Plan changes, credits or prorations are governed by the terms displayed when you confirm the change. We will not treat these Terms as authorization for undisclosed future charges.

6. Your data and rights

You retain your rights in the financial information you provide. You grant Revlo only the permission needed to host, process, display and transmit it to operate the requested features, provide support and meet legal obligations as described in the Privacy Policy. This is not an assignment of ownership of your records or a license to publish them. The current workspace does not support public posts or sharing with other users.

Revlo and its licensors retain rights in the website software, design and branding. We grant you permission to use the service for your personal finances subject to these Terms. This does not limit your ability to export and use your own information or rights granted by applicable open-source licenses. Voluntary product suggestions may help us improve Revlo, but do not transfer ownership of your reviews, private records or confidential support messages.

7. Acceptable use

Do not access another person’s data without authorization, misrepresent account ownership, evade access controls, upload malware, conduct fraud, interfere with the service, or impose abusive automated traffic. Do not violate others’ intellectual-property or privacy rights. These restrictions do not prohibit lawful honest reviews, complaints to regulators, accessibility tools, or rights that applicable law protects. Report security concerns without accessing other users’ information.

8. Changes, availability and suspension

Revlo is an evolving product and may contain defects or interruptions. We may change features and restrict or suspend access where reasonably necessary for security, unlawful activity, material breach, nonpayment or service discontinuation. Where practical and lawful, we will explain the reason and provide an opportunity to resolve the issue or retrieve information. Urgent security or legal circumstances may require action without advance notice.

For a material change to these Terms, we will update the effective date and give appropriate notice through the website or account email. Changes apply prospectively; we will obtain renewed agreement where required. If we discontinue paid service, we will address any required refunds and data-access obligations. Nothing in this section eliminates mandatory consumer remedies.

9. Service limitations

To the extent permitted by law, Revlo is provided “as is” and “as available,” without implied warranties of merchantability, fitness for a particular purpose or non-infringement. We do not guarantee uninterrupted operation, a complete bank history, accurate categorization, investment performance, or that every displayed figure is current. Your bank statements and professional records remain the appropriate sources for official balances, payments and tax reporting.

Keep copies of information you need. CSV exports cover supported transaction/report fields and are not complete workspace backups. The existence of hosting-provider backups does not guarantee that we can restore an individual record or account. These limitations do not exclude warranties or protections that cannot legally be excluded.

10. Liability and consumer rights

To the extent permitted by law, neither party is liable to the other for indirect, special or consequential losses arising from these Terms. Revlo’s aggregate liability arising from the service is limited to the greater of US $100 or the fees you paid Revlo in the 12 months before the event giving rise to the claim.

These limits do not apply to fraud, willful misconduct, gross negligence, or liability that applicable law does not allow to be limited, and do not restrict mandatory privacy, consumer, refund or other statutory rights. No provision releases Revlo from responsibilities that the law places on it. Third-party terms do not eliminate Revlo’s own legal obligations.

11. Resolving disputes

Please contact support so we can try to resolve a concern. This does not require you to delay a time-sensitive claim, complain only to us, or give up access to a regulator or court. These Terms do not impose mandatory arbitration, a class-action waiver or a shortened deadline for bringing claims.

Indiana law governs these Terms to the extent permitted by applicable law, without depriving you of mandatory protections or a forum available under the laws that apply to you. A court with proper jurisdiction may hear a dispute.

12. General terms

If a provision is unenforceable, the remaining Terms remain effective to the extent they can operate fairly and lawfully. A failure to enforce a provision on one occasion is not a general waiver. We may transfer the service and this agreement as part of a lawful business transfer, subject to applicable notice and privacy obligations. Electronic notices may be provided through the service or your account email where legally permitted; this does not waive legally required forms of notice or consent.

Contact

For questions, privacy requests, billing help, or concerns about these documents, email support@revlo.money. Do not send passwords, full card numbers, or bank login credentials.