Terms of Use

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Those who access the Services from other locations do so on their own initiative and are responsible for compliance with local laws.

The Services are not tailored to comply with industry-specific regulations (HIPAA, FISMA, etc.), so if your interactions would be subject to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

We are the owner or licensee of all intellectual property rights in our Services, including source code, databases, functionality, software, designs, text, and graphics (the “Content”), as well as the trademarks, service marks, and logos (the “Marks”). The Content and Marks are provided “AS IS” for your personal, non-commercial use or internal business purpose only.

Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose. To request any other use, contact admin@retrofimoney.com.

Your submissions. By sending us any question, comment, suggestion, idea, feedback, or other information about the Services, you agree to assign to us all intellectual property rights in such submission, and that we shall own it and be entitled to its unrestricted use for any lawful purpose without compensation to you. You are solely responsible for what you post or upload.

By using the Services, you represent and warrant that: all registration information you submit will be true, accurate, current, and complete; you will maintain the accuracy of such information; you have the legal capacity to comply with these Legal Terms; you are not a minor in the jurisdiction in which you reside; you will not access the Services through automated or non-human means; you will not use the Services for any illegal or unauthorized purpose; and your use will not violate any applicable law. If you provide untrue information, we may suspend or terminate your account.

You may be required to register to use the Services. You agree to keep your password confidential and are responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine it is inappropriate, obscene, or otherwise objectionable.

We accept Visa, Mastercard, American Express, Discover, and PayPal.

You agree to provide current, complete, and accurate purchase and account information and to promptly update it. Sales tax will be added as required. We may change prices at any time. All payments shall be in US dollars. You authorize us to charge your chosen payment provider for your purchases. We reserve the right to refuse or limit any order.

Billing and renewal. Your subscription continues and automatically renews unless canceled. You consent to recurring charges to your payment method until you cancel. Billing cycle length depends on the plan you chose at signup.

Free trial. We offer a 7-day free trial to new users. Your account will be charged according to your chosen subscription at the end of the free trial unless you cancel first.

Cancellation. You can cancel anytime by logging into your account; cancellation takes effect at the end of the current paid term. Questions can be sent to admin@retrofimoney.com.

Fee changes. We may change the subscription fee from time to time and will communicate any price changes in accordance with applicable law.

We may include software for use in connection with the Services. If accompanied by an end-user license agreement (EULA), that EULA governs. Otherwise, we grant a non-exclusive, revocable, personal, non-transferable license to use such software solely with our Services. Software is provided “AS IS” without warranty of any kind.

You may not access or use the Services for any purpose other than that for which we make them available. As a user, you agree not to, among other things: systematically retrieve data to create a database without our written permission; trick, defraud, or mislead us or other users; circumvent, disable, or interfere with security-related features; use the Services to harass, abuse, or harm another person; engage in automated use such as scripts, data mining, or scraping; attempt to impersonate another user; interfere with or place an undue burden on the Services; reverse engineer any part of the software except as permitted by law; or use the Services to compete with us or for unauthorized revenue-generating purposes.

The Services may allow you to create, submit, or share material (“Contributions”). Contributions may be viewable by others and are treated in accordance with our Privacy Policy. By making Contributions available, you represent that they do not infringe third-party rights, are original to you or properly licensed, are not false or misleading, are not spam, and are not obscene, harassing, or otherwise objectionable.

You and the Services agree that we may access, store, process, and use any information and personal data you provide, following the terms of the Privacy Policy and your choices. We do not assert ownership over your Contributions; you retain full ownership of all your Contributions and related intellectual property.

If you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on devices you own or control, strictly in accordance with these Legal Terms. You shall not decompile, reverse engineer, or derive the source code of the App; make derivative works; remove proprietary notices; or use the App to create a competing product.

Apple and Android devices. When you obtain the App from the Apple Store or Google Play, additional terms apply: the license is limited to use on a device utilizing the applicable operating system and in accordance with that App Distributor’s usage rules; we (not the App Distributor) are responsible for maintenance and support; and each App Distributor is a third-party beneficiary of these Legal Terms with the right to enforce them against you.

You may link your account with third-party online accounts by providing login credentials or authorizing our access. By granting access, you understand we may access and store content you provided to that account. Your relationship with third-party providers is governed solely by your agreements with them. You can disable the connection at any time in settings.

The Services may contain links to other websites and third-party content that we do not investigate or monitor and are not responsible for. If you access a Third-Party Website, you do so at your own risk and these Legal Terms no longer govern. Purchases made through Third-Party Websites are solely between you and that third party.

We reserve the right, but not the obligation, to monitor the Services for violations, take appropriate legal action against violators, refuse or restrict access to any Contributions, remove burdensome content, and otherwise manage the Services to protect our rights and ensure proper functioning.

We care about data privacy and security. Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. The Services are hosted in the United States; if you access them from another region, your continued use constitutes consent to have your data transferred to and processed in the United States.

These Legal Terms remain in full force while you use the Services. We may, in our sole discretion and without notice, deny access to the Services to any person for any reason, including breach of these Legal Terms. We may terminate your account at any time, without warning, and are not liable to you or any third party for doing so.

We reserve the right to change, modify, or remove the contents of the Services at any time, without notice. We cannot guarantee the Services will be available at all times and are not liable for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime.

These Legal Terms are governed by and interpreted following the laws of the State of Wyoming, United States, without regard to its conflict-of-law provisions.

Any dispute arising from these Legal Terms will first be attempted to be resolved through informal negotiation. If it cannot be resolved informally, it shall be settled through binding arbitration or in the courts located in Wyoming, and you agree to submit to the personal jurisdiction of those courts.

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, and availability. We reserve the right to correct any errors and to change or update information at any time, without prior notice.

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES’ CONTENT.

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, OR LOSS OF DATA, ARISING FROM YOUR USE OF THE SERVICES. OUR LIABILITY WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX MONTHS PRIOR TO ANY CAUSE OF ACTION.

You agree to defend, indemnify, and hold us harmless from any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your Contributions, your use of the Services, your breach of these Legal Terms, or your violation of the rights of a third party.

We will maintain certain data that you transmit to the Services for the purpose of managing performance, as well as data relating to your use of the Services. Although we perform regular backups, you are solely responsible for all data that you transmit. You agree that we shall have no liability to you for any loss or corruption of any such data.

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications and agree that all agreements, notices, and disclosures we provide electronically satisfy any legal requirement that they be in writing. You agree to the use of electronic signatures and to the waiver of any laws requiring an original (non-electronic) signature.

If a complaint with us is not resolved satisfactorily, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

These Legal Terms and any policies posted by us constitute the entire agreement between you and us. Our failure to exercise or enforce any right shall not operate as a waiver. If any provision is found unlawful, void, or unenforceable, that provision is severable and does not affect the validity of the remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us.

New users are eligible for a 7-day free trial of RetroFi. Unless canceled before the trial ends, your account will automatically convert to a paid subscription at the plan tier you selected, and your chosen payment method will be charged. We may send reminder notices before your trial ends, but it remains your responsibility to cancel if you do not wish to continue.

RetroFi offers multiple subscription tiers, each with differing feature access (including budgeting, net worth tracking, subscription detection, household sharing, and AI-powered insights). We may modify, add, or remove features from any tier at our discretion, and will provide reasonable notice of material reductions in features available to existing paid subscribers.

The “Safe to Spend” figure, budget calculations, and cash flow forecasts provided by RetroFi are estimates only, generated from the account data you connect and assumptions about recurring income and expenses. They are provided for informational and planning purposes only, do not constitute financial advice, and may not reflect pending transactions, fees, or changes in your accounts. You are solely responsible for your own spending and financial decisions.

AI-generated insights, forecasts, and recommendations are produced using automated processing of your financial data and are provided “AS IS” for informational purposes only. They are not guaranteed to be accurate, complete, or suitable for your particular circumstances, and do not constitute financial, tax, or legal advice. You should independently verify any AI-generated insight before relying on it and consult a qualified professional for material financial decisions.

RetroFi connects to your financial institutions through Plaid, a third-party financial data aggregation service, using bank-grade, read-only access. Plaid’s use of your information is governed by its own privacy policy and terms. We store connected account and transaction data only as long as necessary to provide the Services, per our Privacy Policy, and you may disconnect any linked account or delete your data at any time.

Subscription fees are generally non-refundable. However, we may issue a refund or credit at our sole discretion in cases of billing error, an outage that materially prevented use of the Services, or where required by applicable law. Refund requests should be sent to admin@retrofimoney.com within 14 days of the charge in question; we will review each request individually and respond within a reasonable time.

Where the Services allow you to import financial data via CSV or other file upload, you are responsible for ensuring the accuracy and formatting of any file you upload, and for having the right to upload that data. We may reject, truncate, or fail to process files that do not meet our required format, exceed size limits, or appear corrupted, and are not liable for inaccuracies in calculations that result from malformed or incorrect uploaded data.

You may request deletion of your account and associated data at any time by emailing privacy@retrofimoney.com. Upon a verified deletion request, we will delete or anonymize your personal information within a reasonable time, except where we are required or permitted to retain certain records under applicable law (e.g., for tax, accounting, or fraud-prevention purposes).

The App uses third-party analytics and crash-reporting tools (including PostHog and Sentry) to help us understand usage patterns and diagnose technical issues. These tools may collect device identifiers, crash logs, and in-app activity as described in our Privacy Policy. You can limit certain analytics collection through your device’s privacy settings.

RetroFi participates in affiliate marketing programs, which means we may earn a commission when you click on or make a purchase through certain links on our platform.

Experian Affiliate Program. RetroFi may display referral cards recommending Experian’s credit monitoring and credit score services. If you click these links and sign up for Experian’s services, RetroFi may receive a commission through the CJ Affiliate network, at no additional cost to you.

Our commitment to you. Affiliate relationships do not influence the accuracy of your financial data, Safe to Spend calculations, AI insights, or any other feature within RetroFi. We only recommend products and services we believe may be genuinely useful to you. We do not receive compensation for recommending Plaid, Stripe, or other core infrastructure providers that power RetroFi’s services; those are operational partnerships, not affiliate relationships.

FTC compliance. This disclosure is provided in accordance with the FTC’s guidelines concerning the use of endorsements and testimonials in advertising, which require clear disclosure of material financial relationships between a company and the products or services it recommends.

To resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Cumulative LLC, d/b/a RetroFi
30 Gould St, Suite N
Sheridan, WY 82801, United States
Phone: (252) 400-8455
Email: support@retrofimoney.com