Terms of Service

About these terms

These terms govern your use of Marbeez, an AI financial coach, budget and portfolio tracker. By creating an account or using Marbeez you agree to them. If you do not agree, please do not use the app. If you have questions, contact us at support@marbeez.com.

Not financial advice

• Marbeez provides general educational information and AI-generated coaching. It is not financial, investment, tax or legal advice, and it does not consider your full personal circumstances.
• You are responsible for your own financial decisions. Consider speaking to a qualified, regulated financial adviser before acting on anything the app suggests.
• Investments can go down as well as up, and you may get back less than you put in. See our disclaimer for more detail.

Your account

• You must be at least 18 years old to use Marbeez.
• Keep your sign-in details confidential and tell us promptly if you suspect unauthorised access.
• You are responsible for activity on your account. We may suspend or close accounts that breach these terms.

Plans and payments

• Marbeez offers a Free plan and a paid Pro plan. Features, coach credit allowances and prices are shown on the plans page and may change with notice.
• Paid subscriptions renew automatically until cancelled. You can cancel at any time and keep access until the end of the paid period.
• Where a free trial is offered, it converts to a paid subscription unless you cancel before the trial ends.
• Payments are handled by our payment provider; we do not store your card details.

Bank connections

• If you connect a bank, you authorise us to receive read-only account and transaction information through Plaid. Marbeez cannot move money or make payments.
• You confirm you are allowed to share that account's information with us.
• You can disconnect a bank at any time, which revokes access and removes synced balances.

AI coaching

• Coach replies are generated by an AI service using the financial details you have saved and the questions you ask. Replies may be incomplete or wrong, so always check important figures yourself.
• Coach usage is limited by the credits included in your plan. Unused credits do not roll over.
• Marbeez AI is provided only for personal finance coaching and help using Marbeez. It is not a general-purpose AI assistant. It will decline unrelated requests (for example creative writing, coding, homework or general knowledge), and you must not attempt to bypass these limits. Declined off-topic questions do not use coach credits. We may restrict access where the coach is misused.
• Your Marbeez AI conversations are private to your account. Marbeez staff and admins cannot view them, and they are not used to train AI models. Voice dictation audio is transcribed and not stored.
• You can delete conversations at any time. Please do not enter health details, passwords or other highly sensitive information into the coach.

Acceptable use

• Do not misuse Marbeez: no attempting to access other people's data, disrupting the service, scraping, or using it for anything unlawful.
• Do not rely on the app as your only record of your finances; keep your own records of important information.

Your data

Your use of Marbeez is also covered by our Privacy Policy, which explains what we collect and the choices you have. You can export or delete your data by contacting us, and you can delete your account in Settings.

Availability and changes

We work to keep Marbeez available and accurate, but we do not guarantee uninterrupted service or error-free data (including prices and balances from third parties). We may change or withdraw features with notice where practical.

Liability

• To the extent the law allows, Marbeez is provided 'as is' and we are not liable for losses arising from your use of the app, decisions you make based on it, or data provided by third parties such as banks or market data providers.
• Nothing in these terms excludes liability that cannot be excluded by law, including for death or personal injury caused by negligence or for fraud.

Ending your account

You can stop using Marbeez and delete your account at any time. We may suspend or end access if you breach these terms, with notice where reasonable.

Changes to these terms

We may update these terms from time to time. We will update the date below and, for significant changes, let you know in the app. Continuing to use Marbeez after a change means you accept the updated terms.