Terms of Service
Please read these terms carefully before using Clarvia
By using Clarvia, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Important Disclaimers
We Are Not a Bank or Financial Institution
Clarvia is an AI-powered financial technology platform that provides expense tracking, investment monitoring, and budgeting tools. We are NOT a bank, credit union, or any other type of financial institution. We do not hold, manage, or have custody of your funds.
Not FDIC Insured
Our services are not insured by the Federal Deposit Insurance Corporation (FDIC), Securities Investor Protection Corporation (SIPC), or any other government agency. We do not provide deposit accounts or investment custody services.
No Financial Advice
Clarvia does not provide financial advice, investment recommendations, or tax advice. All information provided through our platform is for informational and educational purposes only. Consult qualified professionals for financial planning advice.
Will Creation Service - Not Legal Advice
Clarvia provides will document templates and tools. We are not a law firm and do not provide legal advice. Documents created using our tools should be reviewed by a qualified solicitor. We make no guarantees about the legal validity of any document.
Our Services
Clarvia provides the following services:
Expense Tracking
Tools to categorize and analyze your spending patterns
Investment Monitoring
Portfolio tracking and performance analysis (informational only)
Budgeting Tools
Personal budget creation and management features
Financial Insights
AI-powered analysis of your financial data (informational only)
Data Export
Export your financial data in various formats
Analytics Dashboard
Comprehensive visualization of your financial data
Service Disclaimer
All services are provided "as-is" for your personal use and convenience. We do not guarantee the accuracy of any financial calculations, projections, or analysis provided through our platform.
Your Responsibilities
By using Clarvia, you agree to:
Provide accurate and truthful information
Keep your login credentials secure and confidential
Use the service only for lawful purposes
Not attempt to reverse engineer or copy our software
Respect intellectual property rights
Report any security vulnerabilities or suspicious activity
Comply with all applicable laws and regulations
Age Requirement
You must be at least 18 years old to use Clarvia. Users in the European Union must be at least 16 years old.
Data and Privacy
Privacy Protection
Your privacy is important to us. Our data practices are governed by our Privacy Policy.
Data Security
We implement industry-standard security measures to protect your data, including encryption, secure data transmission, and access controls.
Data Retention
We retain your data for as long as your account is active or as needed to provide services. You can request data deletion by contacting us.
Intellectual Property
Our Intellectual Property
All content, features, and functionality of Clarvia, including but not limited to text, graphics, logos, software, and user interfaces, are owned by Clarvia and protected by intellectual property laws.
Limited License
We grant you a limited, non-exclusive, non-transferable license to use Clarvia for your personal financial management needs.
Insurance & Regulatory Information
Important Notice About Deposit Protection
IMPORTANT: Your money is NOT protected by the Financial Services Compensation Scheme (FSCS). Clarvia does not hold customer funds.
Regulatory Status
Clarvia is a financial technology company providing expense tracking and budgeting tools. We are not authorized or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body.
No Deposit Protection
As we do not hold customer funds, your money held with your banks and financial institutions remains protected by their respective deposit protection schemes. Clarvia only provides analysis and tracking tools.
Professional Indemnity
Professional Indemnity Insurance: Clarvia maintains professional indemnity insurance to protect against claims of professional negligence. This does not constitute deposit protection.
Limitation of Liability
To the maximum extent permitted by law, please be aware of the following limitations:
As-Is Service
Clarvia is provided "AS-IS" without warranties of any kind.
Financial Decisions
We are not liable for any financial decisions you make based on our platform.
Third-Party Services
We are not responsible for third-party services or data accuracy from external sources.
No Warranties
We disclaim all warranties, express or implied, including merchantability.
Liability Cap
Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.
Contact Our Legal Team
Legal Inquiries
For questions about these Terms of Service, legal concerns, or compliance matters:
We aim to respond to all legal inquiries within 2-3 business days