Terms of Service

These Terms of Service ("Terms") govern your use of Croft ("the Service"), operated by Blue Quanta LLC ("we", "us"). By signing in or using the Service, you agree to these Terms. If you do not agree, do not use the Service. Your use is also governed by our Privacy Policy.

Beta software

The Service is in beta and is provided on an "as is" and "as available" basis. It is under active development: features may change, break, or be removed, and the Service may be unavailable or produce incorrect results at times. We may modify or discontinue the Service, in whole or in part, at any time without liability to you.

Not financial advice

Croft provides general, informational tools to help you visualize and plan your finances. It does not provide financial, investment, tax, accounting, or legal advice, and nothing in the Service is a recommendation to take or refrain from any action.

The projections, budgets, and paydown plans the Service shows are estimates based on the data and rules you provide and on assumptions that may not hold. Actual results will differ. Consult a qualified professional before making financial decisions. You are solely responsible for your own financial choices.

Your responsibilities

• Accuracy of your data. The Service's output is only as good as its input. You are responsible for the accuracy of the accounts, balances, rates, payments, and rules you enter, and for reviewing data imported from linked institutions.
• Account security. Keep your Google account and the email inbox you sign in with secure; you are responsible for activity under your sign-in.
• Eligibility. You must be at least 18 years old and able to form a binding contract to use the Service.

Acceptable use

You agree not to:

• Access data or accounts that are not yours, or attempt to circumvent authentication or access controls.
• Probe, scan, overload, or disrupt the Service or its infrastructure, or introduce malicious code.
• Reverse-engineer, scrape, or build a competing service from the Service except as permitted by law.
• Use the Service for any unlawful purpose or in violation of these Terms or applicable law.

Third-party services

The Service integrates Google (sign-in), Resend (sign-in and other email), Plaid (bank linking), Anthropic (AI features), and infrastructure providers. Your use of those features is also subject to those providers' own terms and policies, and we are not responsible for their services. See our Privacy Policy for what data each receives.

Subscriptions, free trials and cancellation

• Free trial. New accounts get a free trial of 14 days. It begins when you add a payment card at checkout, after setup. Your card is not charged during the trial. If you joined through a friend's invite link, your first month ($11.99) is free too: on a monthly plan your first paid month costs nothing, and on a yearly plan $11.99 comes off your first yearly charge.
• Automatic conversion and renewal. Unless you cancel before the trial ends, it automatically becomes a paid membership on the plan you chose — $11.99/month, billed monthly, or $89/year, billed yearly — and your card is charged on the day the trial ends. The membership then renews automatically at the start of each billing period, and your card is charged each time, until you cancel. The price and the date of the first charge are shown before you start the trial and on the checkout page.
• Reminder before the first charge. We email you at least 7 days before your trial ends with the amount, the date of the first charge, and how to cancel.
• How to cancel. Cancel anytime in Croft under Settings › Membership & billing (“Cancel trial” or “Manage or cancel”), which opens our payment processor's (Stripe's) billing page.
• When cancellation takes effect. Cancellation takes effect at the end of the current period: if you cancel during the trial, you are not charged and keep access until the trial ends; if you cancel a paid membership, you keep access until the end of the period you already paid for and are not charged again. After that, your account stays viewable but changes and bank syncing pause until you subscribe again.
• Failed payments. If a charge fails, Stripe retries your card and you keep full access for 14 days. If it is still unpaid after that, we cancel the membership and clear the unpaid invoice, so nothing is owed.

Refunds

Refunds. If you're charged for Croft and didn't mean to keep it, ask us within 7 days of the charge through the contact form and we'll refund that charge in full. This applies to the first charge after your free trial and to any monthly renewal.

Yearly plans: ask within 14 days of a yearly charge for a full refund. After that, cancelling stops the next renewal and you keep access until the end of the year you paid for.

Otherwise, cancelling stops future charges and you keep access until the end of the period you've paid for; we don't refund partial months.

Deleting your account cancels your membership right away. If you delete within 7 days of a charge (14 for yearly), we'll refund that charge too.

Suspension and termination

We may suspend or terminate your access at any time, with or without notice, including if we believe you have violated these Terms or to protect the Service or other users. You may stop using the Service at any time, and you may request deletion of your account through our contact form (see our Privacy Policy). Provisions that by their nature should survive termination (such as disclaimers and limitation of liability) will survive.

Disclaimer of warranties

To the fullest extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any projection or figure it produces is accurate or complete.

Limitation of liability

To the fullest extent permitted by law, in no event will Blue Quanta LLC be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, savings, or goodwill, arising out of or relating to your use of (or inability to use) the Service — including any financial decision made in reliance on it — even if advised of the possibility of such damages. Our total aggregate liability for all claims relating to the Service will not exceed USD $100 or the amount you paid us to use the Service in the prior 12 months, whichever is greater.

Changes to these Terms

We may update these Terms as the Service evolves. We will revise the "Last updated" date above and, for material changes, provide a more prominent notice. Continued use after an update means you accept the revised Terms.

Governing law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state and federal courts located in New Jersey, and you consent to their personal jurisdiction, except where applicable law provides otherwise.

Contact

Questions about these Terms? Contact Blue Quanta LLC using our contact form.