Terms of Service

Last Updated: February 2025

1. Agreement to Terms

By accessing or using Ten to Twenty ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

Ten to Twenty is a personal finance tool that helps users track income and manage charitable giving. The Service connects to your bank accounts through Plaid to detect income and suggest donation amounts based on your chosen giving percentage.

Important: The Service does not move money, make donations on your behalf, or provide financial, legal, or tax advice.

3. Account Registration

To use the Service, you must:

• Be at least 18 years old
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

You are responsible for all activity under your account.

4. Bank Account Connection

The Service uses Plaid to connect to your bank accounts. By connecting your accounts, you authorize Plaid to access your account information on our behalf. You can disconnect your accounts at any time through the Settings page.

We do not store your bank login credentials. Bank access is managed securely by Plaid.

5. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service
• Use automated systems to access the Service without permission
• Impersonate another person or entity

6. Intellectual Property

The Service and its content, features, and functionality are owned by Ten to Twenty and are protected by copyright, trademark, and other intellectual property laws.

7. User Data

You retain ownership of your data. By using the Service, you grant us a license to use your data to provide and improve the Service. See our Privacy Policy for details on how we handle your data.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

The Service is for informational purposes only and does not constitute financial, legal, religious, or tax advice. Consult appropriate professionals for advice specific to your situation.

Income detection is based on automated analysis and may not be accurate. You are responsible for verifying all income and donation calculations.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TEN TO TWENTY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRIOR TO THE CLAIM.

10. Indemnification

You agree to indemnify and hold harmless Ten to Twenty from any claims, damages, or expenses arising from your use of the Service or violation of these terms.

11. Termination

We may terminate or suspend your account at any time for violation of these terms. You may delete your account at any time through the Settings page.

Upon termination, your right to use the Service ceases immediately. We will delete your data in accordance with our Privacy Policy.

12. Changes to Terms

We may update these terms from time to time. We will notify you of material changes by posting the updated terms and updating the "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the new terms.

13. Governing Law

These terms are governed by the laws of the State of [YOUR STATE], without regard to conflict of law principles.

14. Dispute Resolution

Any disputes arising from these terms or your use of the Service will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Contact Us

If you have questions about these Terms of Service, please contact us at:

Ten to Twenty
Email: legal@tentotwenty.com