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Terms of Service

Effective Date: November 19, 2024

Last Updated: July 5th, 2025

Governing Entity: Lifeskribe, a Delaware C Corporation

1. Introduction

Welcome to Lifeskribe, a personal finance and lifestyle management application. By accessing or using our services, you agree to these Terms of Service. If you do not agree, please discontinue use of the app.

We are committed to protecting your privacy and data. Lifeskribe complies with applicable data protection laws, including the GDPR and CCPA. Data is securely stored in Microsoft Azure. You can request data access or deletion by emailing support@lifeskribe.com.

2. Features and Services

Lifeskribe is a web-based personal finance and lifestyle management platform designed to give users complete control and visibility over their financial and life planning data. Our application offers the following key features and services:

  • Personal Finance Management:
    • Transaction Aggregation: Secure Plaid integration to import data from credit card, checking, savings, and loan accounts.
    • Cash Flow Forecasting: Visualize historical income/expenses and project future trends.
    • Alerting System: Custom alerts for forecasted balances approaching user-defined thresholds.
  • Budgeting and Categorization:
    • Custom Categories: Create, manage, and organize financial categories.
    • Transaction Editing: Modify imported transactions for improved accuracy.
  • AI-Powered Suggestions:
    • AI Categorizer (beta): When a new transaction is imported or created, our model may recommend a category based on your prior activity. You can override any suggestion.
    • AI Budget Linking (beta): For expenses that resemble an open budget line, the model may suggest linking the transaction to that budget.
  • Life Planning and Events:
    • Event Scheduling: Track significant life events and link them to financial forecasts.
    • Integrated Notes and Tickets: Submit feedback, report issues, or suggest improvements—automatically creating support tickets.
  • Data Insights and Visualization:
    • Cash Flow Analysis: Dashboards and charts for financial insights.
    • Historical and Predictive Modeling: Long-term simulations for planning.
  • Location-Aware Features:
    • Weather Integration: Real-time weather based on user-set location.
    • Location-Based Context: Enhanced insights based on user location.
  • User Identity and Controls:
    • Personal Information: Name, email, and location are required to register.
    • Security: Azure Authentication with MFA and role-based access.
  • Subscription and Billing:
    • Stripe Payments: Secure billing via Stripe; we do not store payment data.
    • Plans and Upgrades: Free and premium tiers with upgrade options.
  • Platform Scope:
    • Web-Based Access Only: No mobile app; accessible via modern browsers.

Note: Lifeskribe evolves over time. Features may be modified, added, or discontinued with notice.

3. User Responsibilities

  • Maintain the confidentiality of your account credentials.
  • Account sharing is discouraged.
  • Misuse, unauthorized access, or abusive behavior may lead to termination.
  • Do not use Lifeskribe for illegal or fraudulent activities.

4. Privacy and Data Handling

We never sell your data. Data is encrypted at rest and in transit. Users can request a copy or deletion of their data by emailing support@lifeskribe.com. Deleted accounts are purged from our systems within 30 days.

AI Processing:
To generate category and budget suggestions we transmit only three fields from each transaction: merchant description, amount, and any user-defined category or budget names. No personal identifiers (name, email, account numbers, user ID, etc.) are ever sent to or stored by the model. If you do not wish to share this limited data, you must discontinue use of Lifeskribe; continued use constitutes consent to this processing.

5. Subscriptions and Pricing

Lifeskribe is currently free to use. Subscription tiers may be introduced in the future. Users will be notified in advance of any pricing changes. Users are granted a non-transferable, non-exclusive, limited license to access and use Lifeskribe solely for personal or internal business use. All intellectual property rights in the service remain the exclusive property of Lifeskribe.

6. Termination

Accounts may be suspended or terminated for violations of these terms. Users will be notified before termination when possible.

7. Disclaimers

Lifeskribe provides financial insights based on user-inputted data. These are for informational purposes only. We do not provide financial, legal, or health advice. Users assume all responsibility for decisions made using app insights.


AI Processing:
To generate category and budget suggestions we transmit de-identified transaction details only: the merchant description plus statistical summaries of your own history (average, minimum, maximum, and total count of times you have categorized that merchant), together with the candidate category or budget names. No personal identifiers—including your name, email, account numbers, or user ID—are ever sent to or stored by the model. If you do not wish to share this limited data, you must discontinue use of Lifeskribe; continued use constitutes consent to this processing.

8. Limitation of Liability

We are not liable for data loss, inaccuracies, or service interruptions. Users assume all risks associated with use of the application.

Under no circumstances shall Lifeskribe be liable for losses arising from your reliance on AI categorization or budget recommendations. You acknowledge that final transaction classification and budgeting decisions rest solely with you.

9. Third-Party Services

Lifeskribe integrates with third-party services such as Plaid, Google Analytics, PostHog, and Stripe. Your use of these services is subject to their respective terms of service. We are not responsible for any errors, outages, or data handling practices of these services.

10. Dispute Resolution and Governing Law

These Terms are governed by the laws of the State of Delaware. Disputes will first be attempted to be resolved through informal negotiation. If unresolved, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. Users waive the right to participate in class-action lawsuits or jury trials.

11. Contact Information

Email support@lifeskribe.com for any questions or disputes.

12. Billing and Payments

Lifeskribe charges for premium services using Stripe as our secure payment processor. By subscribing to any paid tier, you authorize Lifeskribe to charge your selected payment method via Stripe. Billing is conducted in advance on a monthly or annual basis, and all fees are non-refundable unless otherwise stated. Users will be notified in advance of any pricing changes and may cancel their subscription at any time.

13. Plaid Integration

Lifeskribe uses Plaid Inc. ('Plaid') to connect to your financial accounts. By using our services, you grant Lifeskribe and Plaid the right, power, and authority to access and transmit your financial account data. Plaid’s use of your information is governed by Plaid’s privacy policy available at https://plaid.com/legal/.

14. Not a Financial Planner or Advisor

Lifeskribe provides financial organization tools and projections based on your input. We do not provide financial, legal, accounting, or tax advice, and we are not licensed financial planners or advisors. Always consult with a qualified professional before making financial decisions.

15. Automated Alerts

Lifeskribe may offer automated notifications related to your account or financial events. While we strive to ensure timely delivery, alerts may be delayed or fail due to factors beyond our control. We do not guarantee their accuracy or delivery and are not liable for actions taken or missed as a result.

  • If you do not wish to receive AI suggestions or alerts, you must close your Lifeskribe account. Discontinuing use is the only way to stop further AI processing of your future transactions.

16. Feedback and Content License

By submitting suggestions, feedback, or other content to Lifeskribe, you grant us a worldwide, perpetual, non-exclusive, royalty-free license to use, reproduce, modify, and distribute such input to improve our services or for any other business purpose.

17. Account Restrictions and Automation

Accounts must be registered by individuals. Automated sign-ups or access via bots, spiders, or scrapers are prohibited. You may not reverse-engineer or attempt to access the source code of any part of Lifeskribe without express permission. Violations may result in termination of service.

18. User Representations and Data Rights

You affirm that the data you provide to Lifeskribe is your own or that you have the legal right to submit it. This includes financial data imported via Plaid or manually entered. You accept responsibility for all data submitted.

19. Security of Your Account

You are responsible for maintaining the confidentiality of your account credentials. Lifeskribe is not liable for any loss or damage arising from unauthorized access to your account due to your failure to safeguard login information.

20. Force Majeure

Lifeskribe shall not be held liable for delays, outages, or failure to perform resulting from causes beyond our reasonable control, including but not limited to natural disasters, labor disputes, internet disruptions, or governmental actions.

21. Copyright Infringement & DMCA

If you believe any material available via Lifeskribe infringes your copyright, please notify our designated copyright agent at support@lifeskribe.com with a detailed DMCA-compliant notice. We will review and take appropriate action in accordance with the Digital Millennium Copyright Act.

22. Third-Party Terms

Use of integrated services (Plaid, Stripe, Google Analytics, PostHog) is subject to their respective terms of service. We are not responsible for any errors, outages, or data handling practices of these services.