Terms of service

By creating an account or using Squared, you agree to these terms and to our privacy policy. If you don’t agree, don’t use the service.

Squared is a personal finance tool. It reads the accounts you connect, organizes your transactions, and shows you where your money stands. It has read-only access and cannot move money.

Squared is not a bank, and nothing in it is financial, tax, investment, or legal advice. Categories, totals, business and personal splits, and anything the assistant says are estimates to help you understand your money. Check anything important, like a tax filing, with a qualified professional.

• You must be at least 18 years old and able to form a binding contract.
• Give accurate information and keep your password to yourself. You’re responsible for activity on your account.
• Only connect accounts you own or are authorized to access.
• Tell us right away at privacy@sqrd.money if you think someone else has accessed your account.

Accounts are connected through Plaid. By connecting one, you authorize Squared and Plaid to access your account information on your behalf, and you agree to Plaid’s handling of your data under the Plaid End User Privacy Policy. Data comes from your financial institutions; we can’t guarantee it is complete, current, or accurate, and connections can occasionally stop working until you reconnect.

Don’t:

• Access or try to access anyone else’s account or data
• Probe, disrupt, or overload the service, or get around its limits
• Scrape, copy, or resell the service or its content
• Use Squared for anything illegal or fraudulent

Squared is free while it’s being built. If we introduce paid plans, we’ll tell you before you’re charged anything, and you’ll have the choice to cancel.

You can delete your account at any time from Settings, which removes your bank connections and your data as described in the privacy policy. We may suspend or close accounts that break these terms or put the service or other users at risk, and we may change or stop offering features. If we shut Squared down entirely, we’ll give you reasonable notice first.

Squared is provided “as is” and “as available”. To the extent the law allows, we make no warranties, express or implied, including that the service will be uninterrupted, error free, or that its figures will be accurate.

To the extent the law allows, Squared is not liable for indirect, incidental, special, or consequential damages, or for decisions you make based on information in the service. Our total liability for any claim is limited to the greater of what you paid us in the 12 months before the claim or $50.

We may update these terms. We’ll change the date at the top, and for meaningful changes we’ll tell you by email or in the app before they take effect. Using Squared after that means you accept the new terms.

Questions about these terms: privacy@sqrd.money.