1. Accepting these terms
These Terms of Service ("Terms") form a binding agreement between you and ELI EISENBACH, Canada ("Smart Money", "we", "us"), operator of https://smartmoney-app.com and the Smart Money applications.
By creating an account, signing in, or using any part of the service you accept these Terms, the Privacy Policy, the Acceptable Use Policy and the Financial Disclaimer. If you do not accept them, do not use the service.
You must be at least 18 years old, or the age of majority in your province or state, whichever is higher. The service is not directed to children and we do not knowingly create accounts for anyone under 13.
2. What Smart Money is — and is not
Smart Money is a personal finance tracking and educational tool. It lets you record income and expenses, set budgets and goals, connect read-only views of your bank accounts, track investments and debts, and receive automatically generated summaries and projections.
- We are not a bank, credit union, trust company, money services business or payment processor.
- We are not a registered investment adviser, dealer, portfolio manager, exempt market dealer, financial planner, mortgage broker, accountant or tax preparer in any Canadian province or United States jurisdiction.
- Nothing in the service is an offer, solicitation or recommendation to buy or sell any security, and nothing in it is investment, tax, legal or accounting advice.
- We never move money. We cannot initiate payments, transfers or trades on your behalf, and we will never ask you for the ability to do so.
Everything the service produces is educational information about numbers you gave us or authorised us to read. See the Financial Disclaimer for the full statement.
3. Your account
You are responsible for keeping your sign-in credentials and any optional encryption password confidential, and for everything done through your account. Tell us immediately at eliezereisenbach@gmail.com if you believe your account has been accessed without your permission.
If you enable end-to-end encryption of your financial records, the encryption password is not stored anywhere on our systems in a recoverable form. If you lose it and cannot complete the email-based recovery flow, we cannot restore the encrypted data. This is a deliberate design choice in your favour, and its consequence is permanent.
You may share a household with other people you invite. Anyone you add to a household can see the records shared with that household. Remove members before sharing anything you do not want them to see.
4. Connecting bank accounts
Bank connections are provided by Plaid Inc. and, where applicable, Salt Edge Inc. You authenticate directly with your financial institution through their interface. We never see or store your banking username or password.
The connection is read-only: balances, account metadata and transaction history. Data refresh depends on your institution and on the provider, and can be delayed, incomplete or temporarily unavailable. Treat your bank's own statement as authoritative, never our copy of it.
You can disconnect an institution at any time from Connected Accounts. Disconnecting stops future syncing; transactions already imported stay in your account until you delete them or delete your account.
5. Automated and AI-generated content
Parts of the service use large language models and statistical models: insights, forecasts, receipt reading, transaction categorisation, the planning assistant and the messaging bot.
This output is generated automatically, is labelled as such in the interface, and can be wrong. It is not reviewed by a human before you see it. It must not be relied on as the sole basis for a financial decision. The AI Usage Policy sets out how these features work, what they are trained on and how to report a bad output.
6. Subscriptions, billing and cancellation
Some features require a paid subscription. Current plans and prices are shown on the Pricing page and are charged in the currency displayed at checkout, exclusive of taxes unless stated otherwise. Applicable GST/HST/QST and US state sales tax are added where required.
New accounts include a free trial. Unless you cancel before it ends, the plan you selected begins and the payment method on file is charged.
Subscriptions renew automatically for successive periods at the then-current price until cancelled. We will give you at least 30 days' notice by email before any price increase takes effect on your plan.
You can cancel at any time from Subscription Management. Cancellation stops the next renewal; access continues until the end of the period you already paid for. Refunds are governed by the Refund & Cancellation Policy.
If a payment fails we will retry and notify you. If it keeps failing we may suspend paid features. Your data is not deleted because of a failed payment.
7. Intellectual property
The service, its software, design, text, graphics and the "Smart Money" name and logo are owned by ELI EISENBACH, Canada or its licensors and are protected by Canadian and United States copyright and trademark law. © 2026 ELI EISENBACH, Canada. All rights reserved.
Subject to these Terms we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the service for your own personal financial management. You may not copy, resell, sublicense, reverse-engineer, scrape or create derivative works from the service, or remove any proprietary notice.
Your data stays yours. You keep all rights in the financial records, documents and text you put into the service. You grant us only the licence needed to host, process, back up and display that content in order to operate the service for you, and to produce aggregated statistics that cannot identify you or any individual.
The service includes third-party open-source components licensed under their own terms; a current list is published with the application build. Their licences continue to govern those components.
If you believe material on the service infringes your copyright, write to eliezereisenbach@gmail.com with the information required by the Canadian notice-and-notice regime and the United States DMCA (17 U.S.C. §512(c)(3)). We will act on complete notices and terminate repeat infringers.
8. Acceptable use
Your use of the service is subject to the Acceptable Use Policy, which forms part of these Terms. In short: do not break the law, do not attack or overload the service, do not try to reach another user's data, do not upload someone else's financial information without their authority, and do not use the service to launder money or evade sanctions.
We may suspend or terminate an account that breaches these Terms or the Acceptable Use Policy, or where required by law. Where the breach is not serious we will normally warn you first.
9. Availability and changes
We aim for high availability but do not promise the service will be uninterrupted or error-free. Maintenance, third-party outages and events outside our control will cause downtime.
We may add, change or remove features. If we make a change that materially reduces the service, or we change these Terms in a way that materially affects your rights, we will give you notice by email or in the application before it takes effect, and continued use after that date is acceptance. If you do not accept, you may cancel and, for a prepaid period you cannot use as a result, request a pro-rata refund.
We may discontinue the service entirely on 60 days' notice, during which you can export your data and receive a pro-rata refund of any prepaid unused period.
10. Disclaimer of warranties
To the maximum extent permitted by law, the service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy or uninterrupted operation.
We do not warrant that any calculation, projection, categorisation, tax figure or AI-generated statement is accurate, complete or suitable for your circumstances.
Some jurisdictions do not allow the exclusion of certain warranties. Nothing in these Terms excludes or limits any right you have under consumer protection legislation that cannot lawfully be excluded — including the Ontario Consumer Protection Act, Quebec's Consumer Protection Act, and equivalent United States state law. Where such a right applies, our liability is limited to the minimum permitted by that legislation.
11. Limitation of liability
To the maximum extent permitted by law, neither we nor our suppliers are liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost savings, lost investment opportunity, trading losses, tax penalties, or loss of data, arising out of or related to the service — even if we were told such damages were possible.
Our total aggregate liability for all claims relating to the service in any 12-month period is limited to the greater of (a) the amount you paid us for the service in the 12 months before the event giving rise to the claim, and (b) CAD $100.
These limits do not apply to liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or to any liability that cannot be limited by law.
You are solely responsible for your financial decisions. Decisions you make after reading anything in the service are yours.
12. Indemnity
You will indemnify us against third-party claims, losses and reasonable legal costs arising from your breach of these Terms, your misuse of the service, or your uploading of another person's information without authority. This does not apply to the extent the claim arises from our own breach or negligence.
13. Governing law, disputes and arbitration
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Talk to us first. Before starting any formal proceeding, send a written description of the dispute to eliezereisenbach@gmail.com. We will try in good faith to resolve it within 30 days. Most disputes end here.
If we cannot resolve it, the dispute will be finally settled by confidential binding arbitration before a single arbitrator seated in Toronto, Ontario, in English, under the ADR Institute of Canada Arbitration Rules. Judgment on the award may be entered in any court of competent jurisdiction.
Exceptions. Either of us may bring an individual claim in small claims court, and either of us may seek injunctive relief in court to protect intellectual property or stop unauthorised access to the service.
No class actions. To the extent permitted by law, disputes are resolved individually and not as a class, consolidated or representative proceeding.
Your local rights survive. If you are a resident of Quebec, the arbitration and class-action provisions do not apply to the extent they are prohibited by the Consumer Protection Act (Quebec), and you may bring proceedings in the district of your domicile. Residents of other provinces and of United States states keep any equivalent non-waivable right, including the right to complain to a regulator. United States residents may opt out of arbitration by emailing eliezereisenbach@gmail.com within 30 days of first accepting these Terms.
14. General
These Terms, together with the Privacy Policy, Cookie Policy, AI Usage Policy, Acceptable Use Policy, Financial Disclaimer and Refund & Cancellation Policy, are the entire agreement between us about the service.
If any provision is held unenforceable, the rest stays in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor of our business on notice to you.
The English version of these Terms governs. The Hebrew and any other translation is provided for convenience. Les parties ont expressément demandé que ce document soit rédigé en anglais.
Questions about these Terms: eliezereisenbach@gmail.com.