Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) form a binding legal agreement between you and Next Aura Labs, Inc. (“Shelter,” “we,” “us,” or “our”), a corporation organized under the laws of the United States. By downloading, installing, or using the Shelter mobile application or website at shelter.money (collectively, the “Service”), you agree to be bound by these Terms.

If you do not agree to all of these Terms, you may not access or use the Service. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

Please also review our Privacy Policy, which is incorporated into these Terms by reference.

2. Description of Service

Shelter is a personal finance tool that connects to your bank accounts in read-only mode, analyzes your transaction history, and provides cash flow predictions, spending alerts, subscription tracking, bill reminders, and AI-powered financial guidance.

Shelter is not a bank, broker, investment adviser, or financial institution. We do not hold, move, or have custody of your funds. We do not execute trades, make investments, extend credit, or provide FDIC-insured services. Shelter provides informational and analytical tools only.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice.

3. Not Financial Advice

Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice. All predictions, forecasts, budgets, recommendations, and AI-generated responses are informational in nature and are based solely on the transaction data you connect to the Service.

Financial predictions are statistical estimates derived from historical patterns. They are inherently uncertain and may not accurately reflect future account balances, income, expenses, or financial outcomes. Shelter does not guarantee the accuracy, completeness, or timeliness of any prediction or data displayed in the Service.

You should not make financial decisions — including decisions about spending, saving, borrowing, or investing — based solely on information from Shelter. Always consult a qualified financial professional, accountant, or attorney before making important financial decisions.

4. Eligibility and Accounts

a. Eligibility

You must be at least 13 years old to use the Service. If you are under 18, you represent that a parent or legal guardian has reviewed and agreed to these Terms on your behalf. We do not knowingly allow children under 13 to create accounts. If we learn that a user is under 13, we will promptly delete their account and data.

b. Account Registration

You must provide accurate and complete information when creating an account and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at [email protected] if you suspect any unauthorized use of your account.

c. One Account Per Person

Each account is for a single individual. You may not share your account with others or create multiple accounts to circumvent any restrictions or limits.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party right
• Connect bank accounts that do not belong to you or for which you lack authorization
• Attempt to gain unauthorized access to the Service, our systems, or any user's data
• Introduce viruses, malware, or any other harmful code
• Scrape, crawl, or systematically extract data from the Service without our written permission
• Reverse engineer, decompile, disassemble, or attempt to derive source code from the Service
• Use the Service to develop a competing product
• Impersonate any person or entity
• Engage in any fraudulent, deceptive, or abusive conduct

We reserve the right to suspend or terminate your account immediately if we determine, in our sole discretion, that you have violated these restrictions.

6. Bank Connections and Third-Party Data

Shelter connects to your bank accounts through Plaid Technologies, Inc. (“Plaid”) in read-only mode. We cannot initiate transactions, transfer funds, or modify your accounts in any way. By connecting a bank account, you agree to Plaid's End User Privacy Policy.

The accuracy of financial data displayed in Shelter depends on data provided by Plaid and your financial institutions. We are not responsible for inaccuracies, delays, or omissions in data sourced from third parties. Transaction categorization is automated and may not always be accurate.

You may disconnect your bank accounts at any time through the app. Disconnecting does not automatically delete historical data we have already processed; to request full data deletion, contact us at [email protected].

7. AI and Automated Features

Shelter uses artificial intelligence (AI) powered by OpenAI to generate financial insights, cash flow predictions, and conversational guidance (“AI Features”). AI-generated content is produced algorithmically based on your financial data and general patterns; it is not reviewed or verified by a licensed financial professional before delivery to you.

AI outputs may contain errors, omissions, or outdated information. You should treat AI responses as a starting point for your own research, not as definitive advice. We do not make legally significant decisions about you — such as credit decisions or account restrictions — based solely on automated processing.

By using AI Features, you acknowledge that your financial data is processed by OpenAI's API pursuant to OpenAI's terms and data policies.

8. Subscription and Billing

a. Plans

Shelter offers a free tier and paid subscription plans billed on a monthly or annual basis. Current pricing is displayed in the app and at shelter.money. Paid features are accessible only while your subscription is active.

b. Free Trial

We may offer a free trial period for paid plans. At the end of the trial, your subscription will automatically convert to a paid plan unless you cancel before the trial expires. Trial eligibility is determined at our sole discretion and may not be available to users who have previously held a paid subscription.

c. Billing and Renewal

Subscriptions are processed through Stripe and, for mobile, through Apple App Store or Google Play billing. By subscribing, you authorize us (or the applicable platform) to charge your payment method on a recurring basis at the then-current subscription price until you cancel. Monthly subscriptions renew every 30 days; annual subscriptions renew every 12 months.

d. Cancellation

You may cancel your subscription at any time through the app settings or your platform's subscription management page (App Store or Google Play). Cancellation takes effect at the end of your current billing period. We do not issue prorated refunds for unused time in a billing period.

e. Refunds

Except where required by law, subscription fees are non-refundable. If you believe you were charged in error, contact us at [email protected] within 30 days of the charge. For App Store or Google Play purchases, refund requests must be directed to Apple or Google, respectively.

f. Price Changes

We may change subscription pricing at any time. We will provide at least 30 days' advance notice of price increases via email or in-app notification. Continued use of the Service after a price change takes effect constitutes your acceptance of the new pricing.

9. Intellectual Property

The Service, including all software, design, text, graphics, logos, and content created by Shelter, is owned by Next Aura Labs, Inc. and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any portion of the Service without our express written permission.

You retain ownership of your personal financial data. By using the Service, you grant us a limited, non-exclusive, royalty-free license to process and display your data solely for the purpose of providing the Service to you. We do not sell your data or use it to train AI models for third parties.

10. Third-Party Services

The Service integrates with third-party providers including Plaid (bank data), Stripe (payments), Clerk (authentication), Convex (data infrastructure), and OpenAI (AI features). Your use of these integrations is subject to each provider's own terms and privacy policies. We are not responsible for the practices, availability, or actions of any third-party provider.

The Service may contain links to external websites. We do not endorse or control those websites and are not responsible for their content.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SHELTER EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that: (a) the Service will be uninterrupted, error-free, or secure; (b) any financial predictions or data will be accurate, complete, or timely; (c) defects will be corrected; or (d) the Service is free of viruses or other harmful components.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SHELTER, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, FINANCIAL LOSSES, OR LOSSES ARISING FROM YOUR RELIANCE ON PREDICTIONS OR AI RECOMMENDATIONS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total cumulative liability to you for all claims arising out of or relating to the Service shall not exceed the greater of (a) the amount you paid to Shelter in the twelve (12) months preceding the claim, or (b) fifty dollars ($50).

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Shelter and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; or (d) any financial decisions you make based on information provided by the Service.

14. Dispute Resolution and Arbitration

a. Informal Resolution First

Before filing any formal legal claim, you agree to contact us at [email protected] and give us 30 days to attempt to resolve the dispute informally. Many issues can be resolved quickly this way.

b. Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, rather than in court. Arbitration will be conducted in English. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

c. Class Action Waiver

You and Shelter each waive the right to a jury trial and to participate in a class action, class arbitration, or representative proceeding. All disputes must be brought in an individual capacity only.

d. Small Claims Exception

Either party may bring an individual claim in small claims court if the claim qualifies under that court's rules and the claim is within the court's jurisdictional limits.

e. Opt-Out

You may opt out of the arbitration agreement by sending written notice to [email protected] within 30 days of first agreeing to these Terms. Opting out does not affect any other provision of these Terms.

15. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict-of-law provisions. For any matters not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

16. Termination

You may terminate your account at any time by deleting your account within the app or contacting us at [email protected]. Termination does not entitle you to a refund of any prepaid fees.

We may suspend or terminate your account immediately, without notice or liability, if we determine that you have violated these Terms, engaged in fraudulent activity, or if continued access poses a risk to other users or the integrity of the Service. We may also discontinue the Service entirely with reasonable advance notice.

Upon termination, your right to use the Service ceases immediately. Sections 3, 9, 11, 12, 13, 14, 15, and 19 of these Terms survive termination.

17. Force Majeure

We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, war, terrorism, civil unrest, government action, pandemic, natural disaster, internet or telecommunications outages, or failures of third-party service providers (including Plaid, Stripe, or cloud infrastructure providers).

18. Changes to Terms

We may update these Terms at any time. For material changes, we will provide at least 30 days' advance notice via email or prominent in-app notification. Non-material changes (such as clarifications, corrections, or new feature descriptions) may be made without advance notice.

The updated Terms will be effective as of the date stated in the notice. Your continued use of the Service after the effective date constitutes your acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and cancel your subscription before the effective date.

19. General Provisions

a. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms you accept for specific features, constitute the entire agreement between you and Shelter regarding the Service and supersede all prior agreements.

b. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

c. No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

d. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations freely, including in connection with a merger, acquisition, or sale of assets.

e. No Third-Party Beneficiaries

These Terms do not confer any third-party beneficiary rights. Only you and Shelter (and our permitted successors and assigns) have rights under these Terms.

20. Contact

If you have questions about these Terms, please contact:

Note: These Terms were prepared for informational purposes and should be reviewed by a qualified attorney before publication. They do not constitute legal advice.