Terms

Terms and Conditions

Welcome to Granite! These Terms and Conditions ("Terms") govern your use of the Granite application and its related services (collectively, the "Service"), provided by Granite Finance ("Company", "we", "us", or "our"). By creating an account or using our Service, you agree to be bound by these Terms.

Introduction

These Terms outline your rights and responsibilities when using Granite and explain the conditions under which we provide the Service. Please read them carefully.

1. Description of Service

Granite is a personal finance management tool designed to help you understand and manage your daily spending. The Service calculates a daily spendable budget based on your provided income, fixed expenses, savings goals, and real-time transaction data retrieved from your linked financial accounts. Features include budget forecasting, spending insights, and optional notifications.

Granite Assistant and related AI features are non-transactional advisory tools. They may summarize account activity, surface trends, estimate future spending, or help you navigate Granite, but they do not move money, place trades, open or close accounts, guarantee balances or future funds, or make credit, eligibility, underwriting, employment, insurance, housing, or other legally significant decisions for you.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By using Granite, you represent and warrant that you meet these requirements.

3. User Accounts

You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your account.

4. Third-Party Services (Plaid)

To provide real-time transaction data, Granite uses Plaid Inc. ("Plaid") to gather your data from financial institutions. By using our Service, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

5. AI Features and User Control

Granite may offer AI-assisted features, including Savings Insights, assistant summaries, and plain-language explanations of deterministic budget or transaction results. These features may use model, inference, hosting, or workflow providers acting on Granite's behalf. Where Granite sends personal financial data to an external AI provider, we provide an in-product control so you can opt in or turn that processing off where required by law or Granite policy.

AI-assisted outputs are generated from available Granite data and may be incomplete, delayed, inaccurate, or based on assumptions. You should review account records, tax documents, and professional guidance before making financial, investment, tax, legal, accounting, credit, insurance, or retirement decisions.

Granite does not use AI-assisted outputs to make solely automated decisions that produce legal or similarly significant effects, including credit approval, underwriting, employment, housing, insurance eligibility, or access to essential services.

6. Disclaimers and Limitation of Liability

The Service is provided for informational purposes only and is not intended to provide legal, tax, accounting, investment, retirement, insurance, credit, or other professional financial advice. Granite is not a financial planner, investment adviser, broker, fiduciary, accountant, or tax advisor. Your financial situation is unique, and any decisions you make based on information from our Service are your sole responsibility.

Nothing in the Service is a recommendation to buy, sell, hold, liquidate, transfer, or borrow against any asset, product, or account. Granite does not guarantee savings, returns, yields, tax outcomes, account availability, or the suitability of any course of action.

Budget forecasts, categorization outputs, anomaly detection, and other assistant-generated results are estimates and may be incomplete, delayed, or incorrect. They are not guarantees of future account balances, cash availability, spending outcomes, or financial performance. You are responsible for verifying important information before acting on it.

Granite Assistant is not intended to serve as the sole basis for decisions that produce legal or similarly significant effects. If you need account-specific support, dispute resolution, or human review of an assistant response, contact us through Granite support.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SERVICE.

7. Termination

We may terminate or suspend your access to our Service at any time, without prior notice or liability, for any reason, including if you breach these Terms. You may terminate your account at any time by contacting us or through your account settings, if available.

8. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.