Terms of Service

Last updated: 11 July 2026

1. Who we are and what these terms cover

These Terms of Service (the “Terms”) govern your use of GroWealth — the web application and installable app available at this domain (the “Service”) — operated by [OPERATOR LEGAL NAME], [REGISTERED ADDRESS](“GroWealth”, “we”, “us”). You can reach us at [email protected].

By creating an account or using the Service you agree to these Terms. Deviating terms of your own do not apply unless we expressly agree to them in writing. If you do not agree with these Terms, do not use the Service.

2. The Service

GroWealth is a personal-finance and portfolio companion. Depending on your plan and rollout stage, the Service lets you:

  • import bank and broker statements you upload, and record accounts and transactions manually;
  • see automatic categorization, budgets, goals, subscriptions, insights and benchmark comparisons;
  • track investment holdings against market data collected from public sources;
  • scan receipts and match them to transactions;
  • talk to Grovi, our AI assistant, about your own finances;
  • share selected accounts within your household; and
  • take part in the GroWealth community (posts, polls, questions, comments).

The Service is illustrative and informational. GroWealth does not hold your money, does not connect to your bank or broker, does not execute transactions or payments of any kind, and is not a bank, broker, payment institution or investment firm. Market and reference data come from external sources, may be delayed, incomplete or corrected retroactively, and can be inaccurate. Figures shown in the Service (balances, valuations, projections, benchmarks) are derived from the data you provide and from those external sources, and may deviate from the authoritative records of your bank or broker.

We may change, add, suspend or discontinue features — in particular where legal, regulatory or security reasons require it. Where a change materially reduces the Service you pay for (if you pay at all), section 8 applies.

3. No investment, tax or legal advice

Nothing in the Service — including insights, benchmarks, projections, community content and answers generated by the AI assistant — constitutes investment advice, a recommendation, tax advice, legal advice or an invitation to buy or sell any financial instrument. The Service does not assess whether any investment is suitable or appropriate for you. Always make your own assessment and, where needed, consult a licensed professional. You alone are responsible for your financial decisions.

4. Registration and eligibility

  • You must be at least 18 years old and have full legal capacity to use the Service.
  • You must provide accurate and current information when registering and keep it up to date. Accounts created with false information may be suspended or terminated.
  • During early access, registrations are reviewed and activated by us. We may decline or limit registrations at our discretion, and admission to early access does not create an entitlement to any particular feature set or service level.
  • Your account is personal. Keep your credentials confidential and do not share access with anyone. You are responsible for activity under your account. Household sharing works through the invitation feature, never through shared credentials.

5. Acceptable use

When using the Service you must not:

  • disrupt or overload our infrastructure, probe or circumvent security measures, or access the Service by automated means (scraping, bulk extraction) outside the interfaces we provide;
  • upload malware or content you have no right to use;
  • post content that is unlawful, abusive, harassing, defamatory, hateful, discriminatory, pornographic, or that promotes violence or self-harm;
  • impersonate others, spread deliberately false financial information, or advertise third-party services without our consent;
  • use the Service to process data of third parties you are not entitled to process.

We may remove content and suspend or terminate accounts that violate these rules, with the severity of the measure reflecting the severity of the violation.

6. Community content

Content you publish in the community remains yours. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce and display that content within the Service for the purpose of operating it, including showing it to other users, generating previews and moderating. The licence ends when you delete the content or your account, except where content has been shared onward within the Service (for example quoted in another user’s post) or where we must retain it to comply with law.

You are responsible for what you post. Only share financial figures you are comfortable making visible to other users — sharing widgets always show you a preview of exactly what will be published. You can report content that violates these Terms directly on the content; we review reports and act where warranted.

7. AI features

The Service includes AI-powered features (the Grovi assistant, receipt scanning, categorization suggestions, translations, read-aloud). For these features the following applies:

  • AI output is generated automatically and is for information only. It can be wrong, incomplete or out of date (“hallucinations”). Verify AI answers before relying on them.
  • Changes to your data proposed by the assistant (for example creating a budget or goal) always require your explicit confirmation before they take effect.
  • You may use AI features only for your personal use of the Service. You must not attempt to extract the underlying models or prompts, use the features to build a competing service, circumvent usage limits, or automate requests.
  • AI features depend on external model providers and have fair-use limits. We may throttle, restrict or temporarily disable them for maintenance, security, cost or regulatory reasons.
  • Our providers do not use your inputs to train their models (see the Privacy Policy).

8. Fees

The Service is currently free of charge while in early access. If we introduce paid plans, we will announce them, including prices and what they cover, at least six weeks in advance. Features you use free of charge today may become part of a paid plan; you will never be charged without expressly signing up to a paid plan first, and you can delete your account at any time (section 9).

9. Term and termination

  • Your agreement with us starts when we activate your account and runs indefinitely. You can stop using the Service at any time and delete your account in Settings; deletion is immediate and permanent (see the Privacy Policy for what happens to your data).
  • We may suspend or terminate your account for good cause — in particular for material or repeated violations of sections 4, 5 or 7, or where we must do so by law. Where reasonable, we will warn you first.
  • Terminated users have no entitlement to a new account.

10. Intellectual property

The Service, including its software, design, logos, texts and databases, is protected by intellectual property law and remains ours or our licensors’. You receive a simple, non-transferable, non-sublicensable right to use the Service for your own purposes for the duration of your agreement. Statutory rights (for example private backup copies of your own data) remain unaffected — your exported data is yours.

11. Warranties and disclaimers

During early access the Service is provided in a pre-release state: features may change, contain errors or be unavailable. We do not warrant that the Service is uninterrupted or error-free, that imported statements are parsed completely and correctly, or that market data, categorizations, insights or AI output are accurate. Keep original statements and records; do not use the Service as your only record of your finances.

12. Liability

We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under mandatory statutory liability regimes. For simple negligence we are liable only for breach of material contractual obligations (obligations whose fulfilment makes the proper execution of the contract possible in the first place and on whose fulfilment you may regularly rely), and then limited to the foreseeable damage typical for this type of contract. In all other respects our liability is excluded. These limitations also apply in favour of our employees and agents. Your statutory rights as a consumer remain unaffected.

13. Indemnification

You will indemnify us against reasonable costs and claims by third parties arising from your culpable violation of these Terms — in particular from content you post and from data of third parties you import without being entitled to.

14. Changes to these Terms

We may amend these Terms for good reason — for example changes in law or jurisprudence, new features, or changes in our service structure. We will notify you of amendments by email or in the app at least six weeks before they take effect. If you do not object before the effective date, the amended Terms apply; we will point this consequence out in the notification. If you object, either party may terminate the agreement as per section 9. Changes that materially restrict core paid features require your express consent.

15. Communications

We communicate with you electronically — in the app and by email to the address on your account. Make sure the address stays current. Statutory form requirements remain unaffected.

16. Governing law and jurisdiction

These Terms are governed by the law of [JURISDICTION], excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, the mandatory consumer-protection provisions of the state of your habitual residence remain unaffected. For disputes with users who are not consumers, the courts at our registered office have exclusive jurisdiction.

The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr. We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

17. Severability

Should individual provisions of these Terms be or become invalid, the validity of the remaining provisions remains unaffected. The invalid provision is replaced by the statutory rule or, absent one, by a valid provision that comes closest to its economic intent.