Terms of Service

By creating an account or using the Oath website or app (the “Service”), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the Service. The Service is operated by Atkins Studio, Inc. (“Oath,” “we,” or “us”).

Oath is an informational and educational personal-finance tool. It helps you organize your budget, track accounts and transactions, and understand your money. Oath is designed to give you clarity — it is a tool to help you make your own decisions, not a substitute for professional advice.

You are responsible for the accuracy of the information you provide and for keeping your login credentials secure. You are responsible for activity that occurs under your account. Notify us promptly at legal@oath.money if you believe your account has been compromised. You must be at least 18 years old to use the Service.

You agree not to:

• Use the Service for any unlawful purpose or in violation of these terms;
• Attempt to access another user’s data or any non-public part of the Service;
• Interfere with, disrupt, or attempt to compromise the security of the Service;
• Reverse engineer, scrape, or misuse the Service or its data;
• Use the Service, its content, outputs, data, or any information obtained through the Service to train, develop, improve, or fine-tune any artificial intelligence, machine learning, or similar model or system; and/or
• Upload malicious code or use the Service to harm others.

Oath does not provide financial, investment, tax, or legal advice. Nothing in the Service is a recommendation to buy, sell, or hold any security or to take any particular financial action. The content and calculations are for general informational and educational purposes only. You should consult a qualified professional before making financial, investment, tax, or legal decisions. You are solely responsible for the decisions you make.

We do not warrant that the figures, balances, or data shown in the Service are accurate, complete, or up to date. Much of the data in Oath is sourced from third parties — for example, transactions and balances imported through Plaid, and market or pricing data — and from information you enter yourself. This data may be delayed, incomplete, or incorrect for reasons outside our control. Always verify important figures against your official account statements before relying on them. You expressly assume all risk of reliance on any data, figures, balances, or calculations displayed in the Service. The Service is not a substitute for your official account statements or professional financial advice, and no information displayed in the Service is warranted to be sufficient for any financial decision. To the extent permitted by applicable law, your sole remedy for inaccurate data displayed in the Service is to request correction through our support channels or to cease using the Service.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.

To the fullest extent permitted by law, Oath and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or financial loss, arising out of or related to your use of the Service. Our total liability for any claim is limited to the greater of the amount you paid us for the Service in the twelve months before the claim or one hundred U.S. dollars (US $100).

Some features of Oath require a paid plan. Pricing, billing intervals, and any founding-member or promotional terms are described at the point of purchase. Paid plans renew automatically unless cancelled before the renewal date. Except where required by law, payments are non-refundable. We may change pricing on a prospective basis with notice.

You may cancel a paid plan at any time from your account settings or by contacting us. Cancellation takes effect at the end of your current billing period — you keep access to paid features until then, and your plan will not renew. Except where required by law, we do not provide partial refunds for the unused portion of a billing period.

The Service integrates with third-party providers (for example, Plaid for connecting financial accounts, and our payment processor for billing). Your use of those services may be subject to their own terms and privacy policies. We are not responsible for the acts, omissions, or content of third-party services. Additionally, we do not guarantee the availability, accuracy, or continuity of any third-party service. Such services may be modified, interrupted, or discontinued without notice. Our ability to provide certain features is conditioned on continued availability of third-party integrations, and we will not be liable if any feature becomes unavailable due to a change in or discontinuation of a third-party service.

Oath, its name, logo, design, and software are owned by Atkins Studio, Inc. and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable right to use the Service for your personal, non-commercial purposes. The data you enter remains yours. By using the Service, you grant Oath a royalty-free, non-exclusive, sub-licensable license to use, store, reproduce, and process your data to provide and improve the Service for you, to comply with applicable legal obligations, and to fulfill the legitimate business purposes outlined in our Privacy Policy.

You may stop using the Service and close your account at any time. We may suspend or terminate your access if you violate these terms or use the Service in a way that risks harm to others or to the Service. We may also suspend or terminate your access to the Service, or discontinue all or part of the Service, for convenience by providing reasonable notice. If we terminate your paid subscription for convenience, we will provide a pro-rata refund of any prepaid fees covering the unused portion of the then-current subscription period, unless applicable law requires a different refund treatment. On termination, the rights granted to you end, though provisions that by their nature should survive — such as the disclaimers and liability limits above — will continue to apply.

We may update these Terms of Service from time to time. When we make material changes, we will update the “Last updated” date above and, where appropriate, notify you. Your continued use of the Service after a change takes effect means you accept the updated terms.

Except where prohibited by applicable law or as otherwise provided in these Terms, you and Oath agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, the negotiation, formation, interpretation, performance, breach, termination, enforcement, or validity of these Terms, or the relationship between you and Oath, including any dispute concerning the scope or enforceability of this arbitration provision, will be resolved by final and binding arbitration administered by the American Arbitration Association in accordance with its applicable Consumer Arbitration Rules then in effect, as modified by this section. The parties agree that this arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., to the extent applicable, and otherwise by the laws of the State of Tennessee.

A party wishing to initiate arbitration must first provide written notice to the other party describing the nature of the dispute, the relief or remedy sought, and the legal and factual basis for the claim. Notice to Oath must be sent to legal@oath.money, and notice to you may be sent to the email address associated with your account or by any other method permitted under these Terms.

The arbitration will be conducted before a single neutral arbitrator selected in accordance with the arbitration provider’s rules. The arbitrator must have experience resolving consumer, technology, financial services, or commercial disputes. Unless the parties agree otherwise, the arbitration will be conducted in Davidson County, Tennessee, or, where required by applicable arbitration rules or law, by telephone, video conference, or written submissions.

The arbitrator will have authority to award any relief that would be available in court on an individual basis, subject to the limitations and exclusions in these Terms. The arbitrator’s award will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

To the fullest extent permitted by law, you and Oath agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, representative, or private attorney general proceeding. The arbitrator may not consolidate claims of different users or preside over any class, collective, consolidated, representative, or private attorney general proceeding.

Nothing in this section prevents either party from seeking temporary or preliminary injunctive relief in a court of competent jurisdiction to protect intellectual property rights, confidential information, account security, or the security or integrity of the Service. Either party may also bring an individual claim in small claims court if the claim qualifies.

If you are a new user, you may opt out of this arbitration agreement by sending written notice to legal@oath.money within 30 days after you first accept these Terms. Your notice must include your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out of arbitration will not affect any other provision of these Terms.

These terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws rules. You and Oath agree that any action or proceeding arising out of or relating to these terms or the Service will be brought exclusively in the state or federal courts located in Davidson County, Tennessee, and each party consents to the personal jurisdiction and venue of those courts, unless applicable law requires otherwise.

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND OATH EACH KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, CLAIM, COUNTERCLAIM, DISPUTE, OR CONTROVERSY, WHETHER SOUNDING IN CONTRACT, TORT, STATUTE, OR OTHERWISE, ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE, ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND OATH, OR ANY RELATED COMMUNICATIONS OR INTERACTIONS. THIS WAIVER APPLIES TO ALL CLAIMS AND DISPUTES OF ANY KIND, INCLUDING CLAIMS RELATING TO THE FORMATION, INTERPRETATION, ENFORCEABILITY, PERFORMANCE, BREACH, TERMINATION, OR VALIDITY OF THESE TERMS.

You agree to indemnify, defend, and hold harmless Oath, Atkins Studio, Inc., and their respective officers, directors, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your violation of these Terms; (b) your violation of any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property or privacy right; or (d) your use of the Service in a manner not authorized by these Terms. We reserve the right, at our own expense, to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense.

We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, internet outages, third-party failures, or governmental actions.

Questions? Email legal@oath.money.