Version 1.1 · Effective July 28, 2026
These Terms & Conditions (the “Terms”) are a binding agreement between you and the operator of Fortuneer (“Fortuneer”, “we”, “us”, “our”). Fortuneer is an independent project operated by its individual creator; every protection, disclaimer, and limitation in these Terms applies equally to that creator, and to any current or future owners, operators, contributors, and successors of the Service (together, the “Operator Parties”).
By creating an account, clicking to accept these Terms, or accessing or using Fortuneer (the “Service”) in any way, you agree to be bound by these Terms. If you do not agree, you must not use the Service. You must accept these Terms — and any updated version of them when prompted — before using the Service; if you decline an updated version, your access to the Service will be suspended until you accept.
Fortuneer is a personal-finance information tool: it aggregates financial account data you connect or enter, and provides dashboards, budgets, savings goals, transaction categorization and tagging, recurring-charge detection, reports, investment tracking, equity-compensation tracking with tax estimates, long-term projections, CSV import and export, alerts and email digests, and an AI assistant (“Vera”). It is available as a web app and a mobile app; these Terms cover both.
The Service is provided as beta software, offered on an invite-only basis, under active development. Features may be incomplete, may change or disappear without notice, may contain bugs, and may produce incorrect results. You accept the Service on that basis.
Nothing in the Service is financial, investment, tax, accounting, or legal advice. All content — including budgets, savings-rate figures, net-worth calculations, spending insights, financial tips, projections, market data, news items, and anything Vera says — is provided for general informational and educational purposes only.
We are not a bank, broker-dealer, investment adviser, financial planner, credit counselor, tax preparer, or fiduciary, and no fiduciary, advisory, or professional relationship is created by your use of the Service. Deposits are not held by us and nothing in the Service is insured by the FDIC, SIPC, or any other body. The Service never holds, custodies, transfers, or moves your money — it reads and displays data only.
Before making any financial decision, consult a qualified professional. Any decision you make — and its consequences — is yours alone, and you agree that no Operator Party is responsible for decisions you make based on information shown in the Service.
The Service includes forward-looking tools, including life-trajectory projections, uncertainty ranges, milestone estimates, debt-payoff simulations, goal pacing, auto-save allocations, interest accrual on manual accounts, and “what a choice is worth” comparisons. These are hypothetical illustrations generated from simplified models and assumptions (about returns, inflation, income, spending, and your inputs) that will not match reality. Actual outcomes will differ, possibly dramatically. Past performance never guarantees future results. No projection, milestone, badge, or figure in the Service is a promise, forecast, or guarantee of any outcome, and you agree not to rely on them as such.
The equity tracker holds grants you enter yourself and derives vesting schedules, vested and unvested share counts, current values, and estimated taxes from them. Every figure it produces is an approximation, and none of it is tax advice. Estimates are only as good as what you typed in, are built from simplified federal and state rules and the optional income and filing-status context you provide, and ignore the specifics that actually decide your bill — AMT, ISO holding periods and disqualifying dispositions, 83(b) elections, ESPP lookbacks and discounts, withholding already taken by your employer, local taxes, credits, deductions, and everything else about your return.
Share prices used for valuation come from third-party market data, may be delayed or wrong, and are unavailable for private companies. Your grant documents and your employer’s stock plan administrator are the authoritative record of what you hold. Consult a CPA or qualified tax professional before making any decision involving equity — exercising, selling, or planning around a vest. Section 3 applies in full.
Vera is an experimental assistant powered by third-party large language models. AI output can be wrong, incomplete, outdated, or misleading, even when it sounds confident. Every number Vera gives you — a total, a trend, a projection, a tax figure — is a generated estimate, not a verified calculation, and may not match what the rest of the app or your bank shows. You must independently verify anything Vera tells you before acting on it. Vera’s output is not advice (Section 3 applies in full).
At your request, Vera can make limited changes to your data (for example, setting budget amounts or creating goals). Changes Vera makes at your prompting are your changes: you asked for them, you are responsible for reviewing that she did what you meant, and undo tools are provided as a convenience, not a guarantee. Your conversations with Vera are processed by third-party AI providers to generate responses, after passing through a filter that removes credentials and direct identifiers (see the Privacy Policy), and are logged (including change history) to operate and safeguard the feature. We may limit, rate-cap, suspend, or permanently disable Vera — for all users or for your account individually — at any time, with or without notice or reason, and Vera’s availability is never a guaranteed part of the Service.
The Service relies on third-party providers, including Plaid Inc. for bank connectivity, hosting and database providers, AI model providers, and sources of market prices and news. By connecting a financial institution you authorize us and Plaid to access and retrieve your account data on your behalf, and you agree to Plaid’s End User Privacy Policy. Your relationship with your bank or brokerage is governed by their terms, not ours.
Displayed data may be wrong. Balances, transactions, holdings, prices, quotes, net-worth history (including reconstructed/backfilled history), categorizations, merchant names and logos, recurring-charge detections, and news are provided “as is”, may be delayed, estimated, duplicated, missing, or inaccurate, and must not be treated as an official record. Your financial institution’s own records are the only authoritative source. We are not responsible for the acts, omissions, outages, or data of any third-party provider or institution.
The Service lets you add data by hand (manual accounts, transactions, equity grants, notes, tags) and to import transaction history from a CSV file exported from another app. You are responsible for the accuracy, completeness, and legality of everything you import or enter, including making sure a file is yours to upload and that its amounts, dates, and signs are mapped to the right columns.
Imports run against the data you supply: we do not verify it against your institution, and an incorrect file produces incorrect budgets, reports, and projections. Imports may create duplicates of transactions already synced from a connected institution. Reviewing an import, and undoing or correcting it, is your responsibility; tools we provide for that are a convenience, not a guarantee. Exports (CSV) are provided for your own use — once a file leaves the Service, keeping it safe is up to you.
The Service can send alerts — budget thresholds, upcoming bills, goal milestones, unusual transactions, stale connections, and a weekly digest — in the app and, if you enable it, by email. Delivery is best-effort and is never guaranteed. Notifications depend on scheduled jobs, on data arriving from your institutions on time, and on third-party email delivery; they may be delayed, duplicated, filtered as spam, sent in error, or not sent at all, and a missing alert is not a statement that the underlying condition did not occur. Do not rely on Fortuneer notifications to avoid overdrafts, late fees, missed payments, or any other consequence — your bank’s own alerts and records are what you should rely on.
You control which alerts you receive, and whether they arrive by email, in Settings. Administrative and service messages about your account are not optional while your account exists.
You must be at least 18 years old, a resident of the United States, and able to form a binding contract to use the Service. You agree to provide accurate registration information. One account per person; you may not share, sell, or transfer an account. You may only connect financial accounts that you own or are authorized to access.
Your credentials are your responsibility. Keep your password strong and private, do not reuse it elsewhere, do not let anyone else use your account, and enable any additional login protections we offer — including multi-factor authentication, when we make it available. You are responsible for all activity under your account, and you agree to notify us promptly of any unauthorized access or suspected compromise. We are not liable for losses arising from your failure to keep your credentials secure.
The Service is operated with administrative controls that we may exercise at any time, at our sole discretion, with or without notice, and with or without stating a reason. You acknowledge and agree that we may:
These controls are an agreed condition of using a free, invite-only beta. You agree that exercising (or declining to exercise) any of them does not breach these Terms, entitles you to no compensation, and gives rise to no claim against any Operator Party. Where practical we may tell you why an action was taken, but we are not obligated to. If your account is blocked or denied you may contact us through the in-app message form, but any reinstatement is at our discretion.
You agree not to:
Violations may result in immediate suspension or termination under Section 11.
You retain ownership of the data you submit or connect to the Service. You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and back up that data solely to operate, secure, maintain, and improve the Service, including processing through the third-party providers described in Section 7 and in our Privacy Policy. This license ends when your data is deleted from the Service, subject to residual copies in routine backups and records we are required to keep.
The Service — including its software, design, text, graphics, logos, and the Fortuneer and Vera names — is owned by the Operator Parties or their licensors and protected by intellectual-property laws. Except for the limited right to use the Service under these Terms, no rights are granted to you.
The Service is currently provided free of charge during the beta. We may introduce fees or paid tiers in the future; if we do, we will give notice and no fee will apply to you without your agreement. Providing the Service free of charge is not a commitment to continue doing so, or to continue providing the Service at all.
Our Privacy Policy explains what we collect, how we use it, and every third party that processes it. It is part of these Terms, and you should read it.
In short: we collect account information, connected financial data, data you enter or import, usage and preference settings, Vera conversations, and operational logs, as needed to provide the Service. We do not sell your personal data, share it with advertisers, or let anyone train AI models on it. You can export your data (CSV) and delete your account — which revokes bank connections and deletes your associated data — from Settings at any time.
You may stop using the Service and delete your account at any time. We may suspend or terminate your access as described in Section 11, or discontinue the Service entirely. Upon termination, your right to use the Service ends immediately; deletion of an account deletes its associated data, which cannot be recovered. Sections that by their nature should survive (including Sections 3, 4, 5, 13, 14, and 18–22) survive termination.
The Service is provided “as is” and “as available”, with all faults and without warranty of any kind. To the maximum extent permitted by law, the Operator Parties disclaim all warranties, express, implied, or statutory — including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and uninterrupted or error-free operation. No advice or information obtained from the Service creates any warranty.
To the maximum extent permitted by law, no Operator Party will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, investment gains, data, goodwill, or opportunity — including losses arising from financial decisions made in reliance on the Service, inaccurate or delayed data, AI-assistant output, projections, unavailability or discontinuation of the Service or any feature, missed or delayed notifications, administrative actions under Section 11, or unauthorized access — even if advised of the possibility of such damages.
To the maximum extent permitted by law, the aggregate liability of all Operator Parties for all claims relating to the Service is limited to the greater of the amount you paid us for the Service in the twelve months before the claim arose, or fifty U.S. dollars (US$50).
Some jurisdictions do not allow certain exclusions or limitations; in those jurisdictions, the above apply to the fullest extent permitted, and nothing in these Terms excludes liability that cannot lawfully be excluded (such as for fraud, or for death or personal injury caused by negligence).
You agree to indemnify, defend, and hold harmless the Operator Parties from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: your use or misuse of the Service, your violation of these Terms, your violation of any law or third-party right, data or content you submit or connect, or financial decisions made by you or anyone relying on information you obtained from the Service.
If you have a dispute, you agree to first contact us through the in-app support form and attempt to resolve it informally for at least 30 days before filing any claim. These Terms are governed by the laws of the State of New Jersey, U.S.A., without regard to conflict-of-laws rules, and any claim must be brought exclusively in the state or federal courts located in New Jersey, whose jurisdiction you accept. To the extent permitted by law, you and we each waive any right to a jury trial and agree that claims may be brought only in an individual capacity — not as a plaintiff or class member in any class, consolidated, or representative proceeding. Any claim must be filed within one year after it arose, or it is permanently barred, where such a limitation is permitted by law.
We may update these Terms at any time. When we make a material change, we will present the updated Terms in the app and require your acceptance before continued use; the version and effective date at the top identify the Terms in force. We may also modify, add, remove, or discontinue any part of the Service at any time. Your continued use after a change to the Service constitutes acceptance of the changed Service.
These Terms are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, it will be enforced to the maximum extent permissible and the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a transfer of the Service. Nothing in these Terms creates any partnership, employment, or agency relationship. Notices to you may be given in-app or by email to your registered address.
Questions about these Terms can be sent through the in-app support form.