Terms of Service

1. Acceptance of Terms

By accessing and using SnapFree, you accept and agree to be bound by this Agreement. If you do not agree to all terms and conditions of this Agreement, you may not access or use our services.

You represent and warrant that you are at least 18 years of age, have the legal capacity to enter into this Agreement, and are not prohibited from using our services under any applicable law.

2. Description of Service

SnapFree is a financial coaching platform designed to help you understand and manage credit card debt and other consumer debts. Our services ("Services") include:

• AI-powered debt payoff planning and analysis
• Credit card and loan account connection and aggregation via third-party services
• Payment reminders and notifications
• AI coaching, calculations, and educational guidance
• Spending analysis and budget coaching (when financial accounts are connected)

What We Do Not Do:

• Lend money or extend credit
• Make payments to creditors on your behalf
• Negotiate with creditors on your behalf or act as your representative
• Provide legal, tax, or investment advice
• Act as a licensed financial advisor, credit counselor, or credit repair organization
• Act as a debt settlement company or debt management service
• Guarantee any specific financial outcomes, including debt payoff timelines, interest savings, or credit score changes

We reserve the right to modify, suspend, or discontinue any part of our Services at any time, with or without notice, in our sole discretion. We may also add new features or impose limits on certain features or restrict access to parts or all of the Services.

3. Your SnapFree Account

3.1 Account Registration

To access most features of SnapFree, you must create an account. By registering, you certify that:

• You are at least 18 years of age
• All information you provide is true, accurate, current, and complete
• You will maintain and promptly update your account information
• You are registering an account only for yourself
• You will create a strong, unique password and not reuse passwords from other services

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must:

• Keep your password secure and confidential
• Not share your account or allow others to access it
• Notify us immediately at support@calibratedvision.com if you believe your account has been compromised

You may not sell, transfer, or assign your account to anyone else.

3.3 Account Information and Consents

When you register and connect your financial accounts, you authorize us to:

• Create and maintain an account using your registration information
• Access, retrieve, and store information from your connected financial accounts through our third-party service providers (such as Plaid)
• Use this information to provide, improve, and personalize our Services in accordance with our Privacy Policy

4. Subscription and Billing

4.1 Free Plan

We offer a free plan with limited features at no cost. Features and availability of the free plan may change at any time.

4.2 Pro Plan

The Pro Plan is available for $12.99 per month, billed monthly. By subscribing:

• You authorize us to charge your payment method on a recurring monthly basis
• Your subscription will automatically renew until you cancel
• You may cancel at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• No refunds are provided for partial billing periods, except as specified in Section 4.8

4.3 Price Changes

We may change our subscription pricing at any time. For existing subscribers, we will provide at least 30 days' advance notice before any price increase takes effect. Notice will be sent to the email address associated with your account and/or displayed prominently within the application. Price changes will take effect at your next billing cycle following the notice period. If you do not agree to the new pricing, you may cancel your subscription before the price change takes effect.

4.4 Payment Failures

If your payment method fails, we may suspend access to Pro features until payment is successfully processed. We may also attempt to charge your payment method again.

4.5 Service Limits

To ensure fair access and manage operational costs, SnapFree imposes limits on certain features:

• Free Plan: Up to 3 connected financial accounts
• Pro Plan: Up to 15 connected financial accounts

Additional limits may apply to API request rates, data refresh frequencies, and storage of historical transaction data. Current limits are published in our Help Center and may be modified with 30 days' notice for changes that materially reduce your service level. If you require higher limits, please contact us to discuss enterprise or custom pricing options.

4.6 Billing Adjustments

If your usage of the Services incurs significant third-party costs (such as excessive financial account connections or API calls) beyond what is sustainable at your current plan level, we may:

• Contact you to discuss usage and options
• Offer you the opportunity to upgrade to a higher-tier plan
• Implement usage limits on your account
• Adjust your billing to reflect actual costs incurred

We will provide reasonable notice before any billing adjustment takes effect, and you may cancel your subscription if you do not agree to the adjustment.

4.7 Third-Party Cost Changes

Our Services rely on third-party providers (including Plaid for financial data and OpenAI for AI features). If a third-party provider significantly increases their pricing or changes their terms in a way that materially affects our costs, we reserve the right to:

• Adjust our pricing with 30 days' notice
• Modify or discontinue affected features
• Implement new usage limits

You may cancel your subscription without penalty if you do not agree to such changes.

4.8 Refund Policy

Subscription fees are generally non-refundable except in the following circumstances:

• We terminate your subscription without cause (pro-rata refund for unused period)
• We discontinue the SnapFree service entirely (pro-rata refund)
• Material changes to these terms that you do not accept (pro-rata refund if you cancel within 14 days of the change taking effect)
• Technical issues that prevent you from using the service for an extended period (case-by-case basis)

To request a refund, contact us at support@calibratedvision.com.

5. AI Coach Fair Use Policy

Pro plan subscribers have access to our AI Coach feature, subject to the following fair use limits designed to ensure quality service for all users:

• Up to 20 messages per hour
• Up to 100 messages per day
• Up to 1,000 messages per month

These limits are designed to accommodate normal use. If you consistently reach these limits, please contact support to discuss your needs.

Prohibited Uses:

• Automated, programmatic, or bot-driven access to the AI Coach
• Using the AI Coach for purposes unrelated to personal debt management
• Attempting to circumvent usage limits
• Attempting to manipulate, jailbreak, or override the AI Coach's safety instructions or operational boundaries
• Reselling or redistributing AI Coach responses

We reserve the right to modify these limits or suspend access for users who violate this policy.

6. AI Coach Limitations and Boundaries

6.1 Nature of AI Coaching

The AI Coach is an artificial intelligence system designed to provide educational and informational guidance about debt reduction. It is not a human, and it is not a licensed professional of any kind. The AI Coach:

• Provides general educational information about debt reduction strategies
• Helps you organize and prioritize your debts based on data you provide or connect
• Offers spending analysis and budget coaching
• Provides encouragement and accountability

6.2 What the AI Coach Will Not Do

The AI Coach is programmed with specific boundaries. It will not:

• Recommend specific financial products — It will not tell you to apply for a specific credit card, loan, or use a specific company by name. It may describe categories of options (e.g., "balance transfer cards" as a general concept) but will not recommend specific products.
• Provide tax advice — It will not advise on how to handle 1099-C forms, whether interest is deductible, or any tax filing matter. It will refer you to a CPA or tax professional.
• Provide legal advice — It will not advise on lawsuits, bankruptcy filings, wage garnishment, or other legal matters. It will refer you to a licensed attorney.
• Negotiate with creditors — It will not contact, communicate with, or negotiate with your creditors on your behalf.
• Guarantee outcomes — It will not promise specific debt payoff dates, interest savings, or credit score improvements. Any projections are estimates only.

6.3 Professional Referrals

When the AI Coach identifies that your situation may benefit from professional guidance beyond its scope, it will recommend you consult with the appropriate professional, such as a licensed attorney, CPA, or HUD-approved credit counselor. These referrals are informational suggestions, not endorsements of any specific professional or firm.

6.4 Your Responsibility

You acknowledge and agree that:

• You are solely responsible for your financial decisions
• You will not rely on the AI Coach as a substitute for professional financial, legal, or tax advice
• You will verify any information or projections provided by the AI Coach before acting on them
• AI systems can make errors, and responses may occasionally be inaccurate, incomplete, or not applicable to your specific situation

7. Third-Party Services

7.1 Plaid and Financial Data Aggregation

SnapFree uses Plaid Inc. ("Plaid") and potentially other third-party service providers to connect to your financial accounts and retrieve account information. When you connect your accounts:

• You authorize Plaid to access your financial account information on your behalf
• You agree to Plaid's terms of service and privacy policy
• You authorize us to retrieve your financial account information through Plaid on your behalf for purposes of providing our Services

7.2 OpenAI

Our AI Coach is powered by OpenAI's API. When you use the AI Coach, your messages and relevant financial data are transmitted to OpenAI to generate responses. OpenAI's use of this data is governed by their API data usage policy. For more information, see our Privacy Policy, Section 4.

7.3 Third-Party Disclaimers

Our Services may contain links to, or integrations with, third-party websites, applications, or services ("Third-Party Services"). We do not control, endorse, or assume responsibility for any Third-Party Services.

Your use of Third-Party Services is at your own risk and subject to the terms and conditions of those services. We encourage you to review the terms and privacy policies of any Third-Party Services you use.

8. Intellectual Property

8.1 Our Content and Services

All content, features, and functionality of our Services—including but not limited to text, graphics, logos, icons, images, software, algorithms, and the design and arrangement thereof (collectively, "Our Content")—are owned by Calibrated Vision, LLC, our licensors, or other providers and are protected by United States and international intellectual property laws.

You may not:

• Copy, modify, distribute, sell, or lease any part of Our Content or Services
• Reverse engineer, decompile, or disassemble our software or algorithms
• Use our trademarks, logos, or branding without prior written consent
• Remove any copyright, trademark, or other proprietary notices
• Use automated systems (bots, scrapers, etc.) to access our Services without permission
• Frame or mirror any part of our Services without written authorization

8.2 Limited License

Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your personal, non-commercial use.

8.3 Feedback

If you provide us with suggestions, ideas, or feedback about our Services ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into our Services without any obligation to you.

9. Disclaimers

9.1 "As Is" and "As Available"

9.2 No Professional Advice

SNAPFREE IS NOT A FINANCIAL ADVISOR, CREDIT COUNSELOR, CREDIT REPAIR ORGANIZATION, DEBT SETTLEMENT COMPANY, DEBT MANAGEMENT SERVICE PROVIDER, ATTORNEY, TAX ADVISOR, OR ANY OTHER LICENSED PROFESSIONAL.

Our Services, including the AI Coach, provide educational and informational content only. Any calculations, projections, suggestions, or guidance provided through our Services:

• Are for informational and illustrative purposes only
• Are not personalized professional financial, legal, or tax advice
• Should not be relied upon as the sole basis for financial decisions
• Do not create a fiduciary, professional-client, or advisory relationship of any kind

You should consult with qualified, licensed professionals before making significant financial, legal, or tax decisions.

9.3 No Guarantee of Results

We do not guarantee that you will achieve any particular financial outcome, debt payoff timeline, or savings by using our Services. Any examples, projections, or estimates are illustrative only and depend on factors outside our control, including your income, spending habits, interest rates, and payment consistency.

9.4 AI Limitations

Our AI Coach is powered by artificial intelligence technology that, while designed to be helpful, has inherent limitations:

• AI may produce responses that are inaccurate, incomplete, or inappropriate for your specific situation
• AI cannot fully understand the nuances of your personal financial circumstances
• AI responses should be verified and should not be relied upon as the sole source of information
• AI safety guardrails, while robust, are not infallible

9.5 Third-Party Data

We act as an intermediary between you and third-party data providers (such as credit bureaus and financial institutions via Plaid). We expressly disclaim any liability for errors, omissions, or inaccuracies in data obtained from third parties.

9.6 Not a Credit Repair Organization

SnapFree is not a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not promise or represent that we can improve your credit record, credit history, or credit rating. We do not advise you to dispute accurate information on your credit report.

10. Limitation of Liability

10.1 Exclusion of Certain Damages

10.2 Cap on Liability

10.3 Basis of the Bargain

YOU ACKNOWLEDGE THAT THE LIMITATIONS IN THIS SECTION ARE AN ESSENTIAL ELEMENT OF THIS AGREEMENT AND THAT WE WOULD NOT PROVIDE OUR SERVICES WITHOUT THESE LIMITATIONS. THESE LIMITATIONS WILL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

10.4 Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

11. Indemnification

You agree to defend (if requested by us), indemnify, and hold harmless the SnapFree Parties from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

1. Your use of our Services
2. Your violation of this Agreement
3. Your violation of any applicable law or regulation
4. Your violation of any third party's rights, including intellectual property rights or privacy rights
5. Any dispute between you and any third party, including creditors or financial institutions
6. Any content or information you provide through our Services
7. Any financial decisions you make based on information provided by our Services
8. Your negligence or willful misconduct

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate fully with our defense of any such claims. You will not settle any claim that affects us without our prior written consent.

12. Termination

12.1 Termination by You

You may terminate your account at any time by:

• Deleting your account through your account settings, or
• Contacting us at support@calibratedvision.com

If you have an active subscription, cancellation will take effect at the end of your current billing period.

12.2 Termination by Us

We may suspend or terminate your account and access to our Services at any time, with or without cause and with or without notice, including if we reasonably believe that:

• You have violated this Agreement
• You have engaged in fraudulent or illegal activity
• You have attempted to manipulate or circumvent the AI Coach's safety boundaries
• Your continued use poses a risk to us, our users, or third parties
• We are required to do so by law

If we terminate your paid subscription without cause, we will provide a pro-rata refund for any unused portion of your subscription period.

12.3 Service Discontinuation

If we discontinue the SnapFree service entirely, we will provide at least 60 days' notice and refund any prepaid subscription fees for the period after discontinuation.

12.4 Effect of Termination

Upon termination:

• Your right to access and use our Services will immediately cease
• We may delete your account and associated data in accordance with our Privacy Policy
• You remain liable for any obligations incurred prior to termination
• Sections of this Agreement that by their nature should survive termination will survive, including Sections 8-11, 13, and 14

13. Dispute Resolution and Arbitration

13.1 Agreement to Arbitrate

You and Calibrated Vision, LLC agree that any and all disputes, claims, or controversies arising out of or relating to this Agreement or your use of our Services will be resolved through binding individual arbitration, rather than in court, except as set forth in Section 13.2 below.

This agreement to arbitrate is governed by the Federal Arbitration Act ("FAA") and will survive termination of this Agreement.

13.2 Exceptions to Arbitration

Notwithstanding Section 13.1, you and we agree that:

• Either party may bring an individual action in small claims court if the claim qualifies
• Either party may seek injunctive or other equitable relief in court to prevent the actual or threatened infringement or misappropriation of intellectual property rights
• Either party may file a complaint with a relevant government agency if permitted by law

13.3 Arbitration Rules and Procedures

Any arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, as modified by this Agreement. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879.

To initiate arbitration:

1. Send a written Notice of Dispute ("Notice") to us by certified mail at: Calibrated Vision, LLC, c/o ZenBusiness Inc., 611 South DuPont Highway, Suite 102, Dover, DE 19901, Attention: Legal Department
2. The Notice must describe the nature and basis of the claim and the specific relief sought

Before filing for arbitration, you agree to attempt to resolve the dispute informally by contacting us. If we cannot resolve the dispute within 30 days of receiving your Notice, either party may proceed to arbitration.

13.4 Arbitration Fees and Location

If you initiate arbitration, we will reimburse your filing fee unless the arbitrator determines your claim is frivolous. Each party will bear its own attorneys' fees unless the arbitrator awards fees to the prevailing party as permitted by law. Arbitration hearings will take place in a location reasonably convenient to you, or may be conducted via telephone or video conference if you prefer and the AAA Rules permit.

13.5 Arbitrator's Authority

The arbitrator will have exclusive authority to resolve all disputes, including issues relating to the scope and enforceability of this arbitration provision. The arbitrator may award any relief that would be available in court, but the arbitrator has no authority to award relief on behalf of anyone who is not a party to the arbitration. The arbitrator must issue a written decision sufficient to explain the findings and conclusions on which any award is based.

13.6 Class Action Waiver

Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void, and all disputes will be resolved in court.

13.7 Opt-Out Right

You may opt out of this arbitration provision by sending written notice of your decision to opt out to: Calibrated Vision, LLC, c/o ZenBusiness Inc., 611 South DuPont Highway, Suite 102, Dover, DE 19901, Attention: Arbitration Opt-Out, within 30 days of first accepting this Agreement. Your notice must include your name, address, email address, and a clear statement that you wish to opt out of arbitration. If you opt out, you may still bring claims in court, and we may still bring claims against you in court. Opting out of arbitration will not affect any other provisions of this Agreement.

13.8 Future Changes to Arbitration Provision

If we make any future changes to this arbitration provision (other than a change to our address for notices), you may reject the change by sending us written notice within 30 days of the change. If you reject a change, the arbitration provision in effect at the time you first accepted this Agreement (or last accepted a change to this provision) will continue to apply.

14. General Provisions

14.1 Governing Law

This Agreement and any disputes arising out of or relating to it will be governed by the laws of the State of Delaware, without regard to its conflict of laws principles, except to the extent preempted by the Federal Arbitration Act.

14.2 Entire Agreement

This Agreement, together with our Privacy Policy and any applicable Additional Terms, constitutes the entire agreement between you and Calibrated Vision, LLC regarding your use of our Services and supersedes all prior agreements and understandings.

14.3 Changes to This Agreement

We may modify this Agreement at any time by posting the revised terms on our website or app. For material changes, we will provide at least 30 days' advance notice via email and/or through our Services. Your continued use of our Services after any changes become effective constitutes your acceptance of the revised Agreement. If you do not agree to the changes, you must stop using our Services and terminate your account.

14.4 Waiver

Our failure to enforce any provision of this Agreement will not be deemed a waiver of that provision or our right to enforce it in the future. Any waiver must be in writing and signed by an authorized representative of Calibrated Vision, LLC.

14.5 Severability

If any provision of this Agreement is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

14.6 Assignment

You may not assign or transfer your rights or obligations under this Agreement without our prior written consent. We may assign this Agreement, in whole or in part, at any time without notice to you.

14.7 No Third-Party Beneficiaries

This Agreement does not create any third-party beneficiary rights, except as expressly provided.

14.8 Notices

Notices to you may be sent to the email address associated with your account. Notices to us should be sent to:

14.9 Contact Us

If you have questions about this Agreement, please contact us at:

• Email: legal@snapfree.com
• Support: support@calibratedvision.com