Working draft — attorney review pending

Not legal advice. Filoah recommends review by a licensed attorney before treating this page as binding.

Filoah — Terms of Service

Last Updated: September 24, 2026 (America/New_York)

Working draft for product launch. This document is a process and product draft prepared for Filoah’s launch surfaces. It is not legal advice. Filoah recommends review by a licensed attorney before treating these Terms as binding or relying on them for regulatory compliance.

Operator: Filoah / [Filoah operating entity] (legal entity name to be filled in) (“Filoah,” “we,” “us,” or “our”).

Contact: hello@filoah.com or hellofiloah@gmail.com

Sites covered: Filoah marketing and application surfaces, including https://filoah.com/, https://www.filoah.com/, and https://app.filoah.com/ (collectively, the “Service”).

1. Acceptance of these Terms

By accessing or using the Service, creating an account, or clicking to accept these Terms, you agree to be bound by this Terms of Service and our Privacy Policy (together, this “Agreement”). If you do not agree, do not use the Service.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

2. Eligibility

The Service is intended only for individuals who are 18 years of age or older and who can form a binding contract under applicable law. By using the Service, you represent that you meet these requirements. We do not knowingly offer the Service to children.

The Service is designed primarily for users in the United States. If you access the Service from elsewhere, you do so at your own initiative and are responsible for compliance with local law.

3. Description of the Service

Filoah provides DIY personal-finance planning tools, including features that help you explore cashflow, net worth, and retirement or related “what-if” scenarios using information you enter.

Important product facts:

You supply planning inputs (for example income, expenses, assets, goals, and assumptions). Filoah does not currently require bank, brokerage, or account linking to use core planning features, and we do not move money on your behalf.
Outputs, projections, charts, and scenarios are hypothetical and illustrative. They depend on your inputs and assumptions and are not guarantees, predictions, or assurances of future results. Actual results will differ, potentially materially.
Optional plan chat features may use artificial intelligence (see Section 6) to help you interact with your plan. AI outputs remain educational and illustrative only.

We may add, change, or discontinue features. We will try to give reasonable notice of material changes when practical.

4. Accounts and security

You may need an account to use certain features. Account authentication is provided through Amazon Cognito (or a successor auth provider we designate).

You agree to:

Provide accurate registration information and keep it updated;
Keep credentials confidential and use strong authentication practices available to you;
Notify us promptly at hello@filoah.com or hellofiloah@gmail.com if you suspect unauthorized access; and
Accept responsibility for activity that occurs under your account, except to the extent caused by our failure to implement reasonable security measures.

We may suspend or terminate accounts that appear compromised, abusive, or in violation of this Agreement.

5. Acceptable use

You agree not to:

Use the Service for any unlawful purpose or in violation of these Terms;
Attempt to gain unauthorized access to the Service, other accounts, or our systems;
Probe, scan, or test vulnerability of the Service except with our prior written permission;
Interfere with or disrupt the Service, including by imposing unreasonable load;
Upload malware, scrape the Service with automated means in a way that harms availability, or reverse engineer the Service except to the limited extent allowed by law;
Misrepresent your identity or affiliation;
Use the Service to build a competing product by systematically copying our interfaces, models, or content; or
Submit content you do not have the right to submit, including personal information about others without appropriate authority or consent.

We may investigate and take action, including suspension or termination, for violations.

6. No investment, tax, or legal advice; no fiduciary relationship

THE SERVICE IS FOR EDUCATIONAL AND INFORMATIONAL PLANNING PURPOSES ONLY.

Without limiting the foregoing:

Filoah is not a registered investment adviser, broker-dealer, bank, credit union, insurance company, tax preparer, law firm, or financial planner for hire, unless we expressly state otherwise in a separate written agreement that has been reviewed for regulatory compliance.
We do not provide personalized investment advice, tax advice, or legal advice through the Service.
We are not your fiduciary.
Nothing in the Service is a recommendation to buy, sell, hold, or otherwise deal in any security, cryptocurrency, insurance product, loan, or other financial product.
Projections and scenarios are hypothetical. They are not guarantees of returns, income, tax outcomes, Social Security benefits, or any other result.
You are solely responsible for your financial decisions. You should consult qualified professionals who owe you appropriate duties before making significant financial, investment, tax, or legal decisions.

AI / plan chat. If you use plan chat or similar AI-assisted features, responses may be generated or assisted by third-party AI services (currently Amazon Bedrock, which may use models such as Amazon Nova Lite and, when enabled, Anthropic models). AI responses can be incomplete, incorrect, or misleading. Do not treat AI output as advice. Human judgment is required. We do not claim that your conversations are used to train public foundation models; see the Privacy Policy for how AI-related data is processed.

7. User content and license to operate the Service

“User Content” means information you submit to the Service, including account details, planning inputs, notes, and plan-chat messages.

You retain ownership of your User Content. You grant Filoah a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and create derivative works of User Content solely as needed to provide, secure, maintain, and improve the Service (including generating projections and AI-assisted responses you request), and to comply with law.

You represent that you have the rights needed to submit User Content and that doing so does not violate others’ rights or applicable law. You are responsible for the accuracy of planning inputs you provide.

If you submit feedback or suggestions, you grant Filoah a perpetual, irrevocable, royalty-free license to use that feedback without obligation to you.

8. Intellectual property

The Service—including software, design, text, graphics, logos, and trademarks—is owned by Filoah or its licensors and is protected by intellectual property laws. Except for the limited right to access and use the Service as permitted by this Agreement, no rights are granted to you.

You may not copy, modify, distribute, sell, lease, or create derivative works of the Service except as expressly allowed in writing or by mandatory law.

9. Subscriptions, fees, and trials

Some features may be free; others may require payment. Fees, billing intervals, trials, and cancellation terms will be presented at the time of purchase or on our pricing page.

Unless we state otherwise at purchase:

Paid subscriptions renew automatically at the then-current price until you cancel;
You authorize us (or our payment processor, when designated) to charge your payment method;
Taxes may apply;
Cancellation generally takes effect at the end of the then-current billing period; and
Refunds, if any, are as stated at purchase or required by law.

[Attorney / product flag: insert exact billing vendor, refund policy, and California auto-renewal consent language when paid plans launch.]

10. Third-party services

The Service relies on infrastructure and processors such as Amazon Web Services (including Cognito, AppSync, Lambda, DynamoDB, S3, Bedrock, and SES) and Cloudflare (Workers hosting, Email Routing, and Workers Analytics Engine). The Service may also link to third-party sites. We are not responsible for third-party sites’ content, terms, or practices. Your use of third-party services may be subject to their terms.

11. Privacy

Our collection and use of personal information is described in the Privacy Policy. By using the Service, you acknowledge that policy.

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” FILOAH DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT PROJECTIONS OR AI OUTPUTS WILL BE ACCURATE OR RELIABLE.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FILOAH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FILOAH’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICE OR THIS AGREEMENT WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO FILOAH FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.

14. Indemnity

You will defend, indemnify, and hold harmless Filoah and its officers, directors, employees, and agents from and against claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your User Content; (b) your use of the Service; (c) your violation of this Agreement; or (d) your violation of any law or third-party right.

15. Termination

You may stop using the Service at any time and may request account deletion as described in the Privacy Policy.

We may suspend or terminate access if you violate this Agreement, if required by law, to protect the Service or users, or if we discontinue the Service. Upon termination, your right to use the Service ends. Sections that by nature should survive (including intellectual property, disclaimers, limitation of liability, indemnity, and dispute terms) will survive.

16. Changes to these Terms

We may update these Terms from time to time. We will post the updated Terms and revise the “Last Updated” date. For material changes, we will provide additional notice when required by law (for example, email or in-product notice). Continued use after the effective date constitutes acceptance, except where additional consent is required by law.

17. Governing law; disputes

[Attorney flag — governing law / venue / arbitration.]

These Terms are governed by the laws of the State of New York, excluding conflict-of-law rules, unless a different governing law is required for your residence. Subject to any arbitration agreement an attorney later adopts, exclusive venue for disputes not subject to arbitration shall be state or federal courts located in New York, and you consent to personal jurisdiction there, except where prohibited.

Class actions. To the fullest extent permitted by law, you and Filoah agree that disputes will be resolved only on an individual basis, and not as a plaintiff or class member in any class, consolidated, or representative proceeding.

Arbitration. A binding arbitration clause (AAA consumer rules, opt-out window, small-claims carve-out, IP carve-out) is recommended for attorney drafting before launch hardening. Until a counsel-approved arbitration addendum is published, disputes proceed in the courts described above (subject to the class-action waiver where enforceable).

18. Miscellaneous

This Agreement is the entire agreement between you and Filoah regarding the Service and supersedes prior agreements on that subject. If any provision is unenforceable, the remainder remains in effect. Our failure to enforce a provision is not a waiver. You may not assign this Agreement without our consent; we may assign it in connection with a merger, acquisition, or sale of assets. Notices to you may be sent to your account email or posted in the Service. Notices to us: hello@filoah.com or hellofiloah@gmail.com (Legal).

19. Contact

Questions about these Terms: hello@filoah.com or hellofiloah@gmail.com.