Terms & Conditions
These Terms & Conditions (“Terms”) govern your access to and use of the Loftd website at https://loftd.app, our mobile applications, and related services (collectively, the “Services”). By creating an account, downloading or using our apps, or otherwise using the Services, you agree to these Terms. If you do not agree, do not use the Services.
1. Eligibility
You must be able to form a binding contract under applicable law and meet any minimum age we specify in the app or on our website. If you use the Services on behalf of an organization, you represent that you have authority to bind that organization.
2. The Services
Loftd provides software tools intended to help you organize and understand personal financial information you provide or connect. The Services include dashboards and charts for net worth, spending, and budgeting; integrations with financial-data providers; AI-assisted features such as transaction categorization and conversational guidance from your in-app CFO; and an optional voice-dictation input you can use to talk to your CFO instead of typing. Features may change over time. We may suspend or discontinue parts of the Services with reasonable notice where practicable.
3. Not financial, legal, or tax advice
The Services are for informational and organizational purposes only. Nothing in the Services constitutes financial, investment, legal, or tax advice. You are solely responsible for your financial decisions. Past performance or hypothetical scenarios shown in the app do not guarantee future results. Consult qualified professionals before making decisions that could significantly affect your finances.
4. Your account and accuracy
You agree to provide accurate information and to keep your login credentials confidential. You are responsible for activity under your account. Notify us promptly at support@loftd.app if you suspect unauthorized access.
5. Acceptable use
You agree not to misuse the Services, including by:
- attempting to gain unauthorized access to, or interfering with the security of, the Services or any user account;
- scraping, crawling, or otherwise automatically extracting data from the Services in violation of our rules;
- reverse engineering, decompiling, or attempting to derive, extract, or expose our source code, system prompts, AI instructions, model parameters, training data, or other proprietary methods;
- using prompt injection, “jailbreaking,” social engineering, or any other technique designed to bypass safety, content, or technical controls in our AI features, or to cause those features to act outside of their intended scope;
- impersonating Loftd or another user, or otherwise misrepresenting your affiliation with any person or entity;
- using the Services for unlawful purposes or to infringe others’ rights.
We may investigate and suspend or terminate access for any violation.
6. Fair use of AI, dictation, and compute resources
Loftd is built for individuals and households managing their own personal finances. Our AI and voice-dictation features rely on third-party compute that has real, per-request cost. To keep the Services sustainable and equitably available to all users, you agree to use them at a scale that is reasonable for personal, non-commercial use.
You agree not to use the Services to:
- bulk-import or backfill historical transactions, statements, receipts, or other documents in volumes that materially exceed those of a typical household;
- manage or categorize finances for a business, partnership, fund, trust, or other commercial entity, whether or not the underlying account is held in your personal name;
- aggregate or process the finances of multiple individuals or households through a single account, or otherwise share an account with others outside your immediate household;
- generate AI requests, voice-dictation sessions, or token mints through scripts, bots, agents, browser automation, or other programmatic means; or
- otherwise consume AI compute, dictation minutes, storage, or bandwidth in a manner that, in our reasonable judgment, is disproportionate to ordinary consumer use of the Services.
To make fair use concrete without locking any single number into these Terms, Loftd applies monthly allowances to AI conversations and to voice dictation. These allowances are generous enough to cover ordinary household use with comfortable headroom, and the current state of your allowance (how much you have used and when it resets) is visible to you in the app. Your dashboards, charts, budgets, Plaid connections, exports, and historical data continue to work normally even if you reach the AI or dictation allowance for a given month. The specific numeric values of these allowances will evolve as the product, our infrastructure, and underlying model and transcription costs change; we reserve the right to set, change, and enforce fair-use limits at any time—including, for example, caps on AI conversations, dictation minutes, document uploads, historical-backfill depth, connected accounts, file sizes, or other usage signals—and to throttle, downgrade, suspend, or terminate accounts that exceed those limits or otherwise use the Services inconsistently with this section. Where reasonably practicable, we will notify affected users and give them an opportunity to reduce their usage before taking enforcement action.
If your needs legitimately exceed personal, consumer-scale use, please contact us at support@loftd.app to discuss whether a different arrangement is available.
7. Third-party services and data
The Services rely on third parties for specific functions, including financial-data aggregation, AI model inference, voice transcription, infrastructure, email delivery, app distribution, and payment processing. Those parties may have their own terms and privacy practices. Loftd is not responsible for third-party services we do not control, though we aim to work with reputable providers and bind them to confidentiality obligations.
AI-assisted features are provided using third-party models (for example, Anthropic). The optional voice-dictation feature streams your microphone audio to a third-party speech-to-text provider (Deepgram) for live transcription. The full list of subprocessors we use—and what each one does for you—is maintained on our Subprocessors page, with additional detail in our Security & Privacy and Privacy Policy.
8. Fees
If we offer paid plans, pricing and billing terms will be presented at purchase. Unless stated otherwise, fees are non-refundable except as required by law or as explicitly stated in an offer.
9. Intellectual property
The Services, including software, branding, text, graphics, and documentation, are owned by Loftd or our licensors and are protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to use the Services for your personal, non-commercial use (unless we agree otherwise in writing).
10. Feedback
If you provide suggestions or feedback about the Services, you grant us a perpetual, worldwide, royalty-free license to use that feedback to improve our products without obligation to you.
11. Disclaimers
THE SERVICES ARE 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, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WEALTHCHIEF AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100), EXCEPT WHERE PROHIBITED BY LAW.
13. Indemnity
You agree to defend, indemnify, and hold harmless Loftd and its affiliates from claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services, your content, or your violation of these Terms, to the extent permitted by law.
14. Governing law and disputes
These Terms are governed by the laws of the State in which WealthChief, LLC is organized, excluding conflict-of-law rules, unless a different governing law is required by applicable consumer protection law. For disputes, the parties agree to the exclusive jurisdiction and venue of the state and federal courts located in that State, unless applicable law requires otherwise.
Note for your counsel: Replace the placeholder state/court references above with your chosen jurisdiction and any arbitration clause you adopt.
15. Changes
We may modify these Terms from time to time. We will post the updated Terms and update the effective date. Continued use after the effective date of material changes constitutes acceptance, except where applicable law requires a different process (for example, affirmative consent).
16. Termination
You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms or if we need to do so to comply with law or protect the Services. Provisions that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, and governing law) will survive.
17. Contact
WealthChief, LLC
Website: https://loftd.app
Email: support@loftd.app
18. Ownership
Loftd is 100% owned and operated by WealthChief, LLC, a United States limited liability company. All references to “Loftd,” “we,” “our,” or “us” in these Terms mean WealthChief, LLC and its successors and assigns.