1. Closed preview
Clearmony is currently offered as a closed preview. Access is invitation-based and the product, features, and pricing may change or be discontinued at any time. Clearmony is not a bank, is not insured (no FDIC, SIPC, or similar coverage applies to your use of Clearmony), and is not a registered investment adviser, broker-dealer, law firm, tax preparer, or insurance agency. Clearmony does not claim any third-party security or compliance certification; see Trust Center for our current security posture.
2. Eligibility
- You must be at least 18 years old and able to form a binding contract to create a Clearmony account as a household owner, partner admin, advisor, or agent operator.
- A dependent seat (teen or minor) may only be created and controlled by a parent or legal guardian who holds a household owner or partner admin role. Minors do not register their own accounts.
- You are responsible for ensuring that anyone you invite into your household (partner, dependent, advisor guest) is eligible to hold the seat type you grant them.
3. Household roles and seats
Clearmony organizes access by household role. Each role carries different responsibilities and defaults:
- Household owner — full household visibility and responsibility for the account, including inviting and removing other seats and approving high-risk actions.
- Partner admin — shared household visibility and shared-goal actions; some exports and high-risk changes still require the household owner.
- Dependent (teen/minor) seats — created and supervised by a guardian; limited to dependent-safe scopes such as their own allowance and goals; guardian approval is required for anything beyond that scope.
- Advisor guests — financial advisors, CPAs, or other professionals granted scoped, time-bound, revocable access through Trusted Sharing. Advisors cannot approve their own access or exports.
- Agents — Clearmony's own software agents, which act only within active-consent tool scopes you or your household have approved, and which cannot approve their own permission or export requests.
The household owner is responsible for the household's use of Clearmony, including seats they create and permissions they grant.
4. What Clearmony does — and does not do
Clearmony organizes your household's financial information, explains what it means in plain language, drafts suggested next steps, and proposes recommendations for your review.
Clearmony never moves your money, executes trades, or takes any other consequential financial action on your behalf without your explicit, informed approval, and no autonomous money movement or trade execution is enabled in this product. Clearmony does not provide final tax, legal, investment, credit, or insurance advice — outputs are informational and educational, and you should consult a licensed professional before acting on anything involving taxes, law, investments, credit, or insurance.
A deterministic finance engine — not a language model — owns the math behind balances, forecasts, and allocations; AI features explain and draft, they do not compute your source-of-truth totals. Recommendations above a low risk tier require your explicit review and approval before anything happens, and the highest-risk action classes (executing money movement, executing securities trades) are not enabled in Clearmony at all.
5. Your obligations
- Accuracy: You agree to provide accurate account, household, and identity information, and to keep it up to date.
- Credential security: You are responsible for keeping your Clearmony password and any linked device secure. Do not share your login credentials with anyone, including household members — invite them as their own seat instead.
- Multi-factor authentication: Where Clearmony requires or offers multi-factor authentication (MFA), you agree to keep your MFA method current and to notify us promptly if you lose access to it.
- Lawful use: You will not use Clearmony to violate any law, misrepresent your identity, or interfere with the security or integrity of the service.
6. Acceptable use
You agree not to:
- Attempt to bypass, disable, or interfere with Clearmony's permission engine, approval engine, or audit logging.
- Use Clearmony to access, scrape, or exfiltrate another household's data.
- Reverse engineer, resell, or provide unauthorized third-party access to the product.
- Upload malicious code, or attempt to use agents or automation to move money, execute trades, or perform any action outside the risk controls described in Section 4.
- Misuse dependent seats, advisor guest access, or agent tool scopes beyond their granted purpose.
7. Data and privacy
Our collection, use, sharing, and retention of your information is described in our Privacy Policy, which is incorporated into these Terms by reference. By using Clearmony you agree to the practices described there.
8. Third-party services
Clearmony relies on a small number of third-party services to operate:
- Plaid — used to connect and retrieve data from your financial institutions, in both sandbox (testing) and production environments depending on your account and environment. Plaid's own terms and privacy policy govern its handling of your credentials.
- Render — cloud infrastructure and hosting for Clearmony.
- Google Analytics 4 — aggregate, anonymized usage analytics on the marketing site only (clearmony.com); not used inside the product application.
- Email provider — used to send transactional account and product email once that capability is enabled for your account; see the Privacy Policy for current status.
We are not responsible for the acts or omissions of these third-party providers, though we select and monitor them under our vendor risk process.
9. Availability during preview
Clearmony is provided during a closed preview on an "as is" and "as available" basis, without any service level agreement (SLA). We do not guarantee uptime, response time, or feature completeness during the preview period. Features may be added, changed, or removed without notice.
10. Termination, data export, and erasure
You may stop using Clearmony and close your account at any time. We may suspend or terminate your access if we reasonably believe you have violated these Terms, misused another household's data, or created risk to the security of the service.
You have the right to request an export of your household's data and the right to request erasure of your data, subject to legal retention requirements and any active legal hold. These requests are handled through our data subject request (DSR) process and account data controls described in the Privacy Policy. We aim to acknowledge DSR requests promptly and complete them within the timelines described there.
11. Disclaimers and limitation of liability
Because Clearmony is a closed preview, the product is provided without warranties of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose, or non-infringement. Nothing in Clearmony constitutes financial, tax, legal, investment, credit, or insurance advice, and outputs may be incomplete or incorrect — always verify anything consequential with a licensed professional and your own records before acting on it.
To the maximum extent permitted by law, Clearmony and its operator will not be liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or financial outcome arising from your use of, or inability to use, Clearmony during the preview period. [LIABILITY CAP AND CARVE-OUTS — LEGAL REVIEW]
12. Governing law and disputes
[GOVERNING LAW — LEGAL REVIEW]
[DISPUTE RESOLUTION / ARBITRATION / VENUE — LEGAL REVIEW]
13. Changes to these terms
We may update these Terms as the product evolves out of preview. We will notify you of material changes by email or by a prominent notice in the application before the change takes effect. Continued use of Clearmony after a change takes effect constitutes acceptance of the updated Terms.
14. Contact
Questions about these Terms:
Clearmony
Email: hello@clearmony.com
Physical address — to be confirmed before launch