Terms of Service

1. Who may use the Service

You must be at least 18 years old and able to form a binding contract with Inertia to use the Service.

You may not use the Service if you are barred from doing so under applicable law or if we have previously suspended or removed you from the Service.

The Service is designed for individuals managing their personal finances in the United States. We make no claim that the Service is appropriate or available for use elsewhere.

2. What Inertia is (and is not)

Inertia is a financial technology, budgeting, and financial wellness platform. It helps you organize, understand, and act on your own financial information.

Inertia is not a bank, broker-dealer, investment adviser, tax adviser, accountant, or law firm, and the Service does not provide individualized investment, tax, legal, or accounting advice. Information presented through the Service, including AI-generated responses, projections, comparisons, and insights, is provided for educational, informational, budgeting, and financial wellness purposes only. It may be inaccurate or incomplete and is not a substitute for advice from a qualified professional. The Disclosure explains this in more detail and forms part of these Terms.

You remain responsible for your own financial decisions. Unless a feature expressly states otherwise, Inertia does not hold your money and does not initiate payments, transfers, or trades on your behalf.

3. Your account

Some parts of the Service require an account. You agree to provide accurate and complete information when you create an account and to keep it up to date.

You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Tell us promptly at hello@tryinertia.co if you believe your account has been accessed without your permission.

Your account is for your own personal, non-commercial use. You may not share your account or let anyone else use it, other than through sharing features we provide (such as sharing information with a financial professional you choose).

4. Connecting your financial accounts

The Service may let you connect accounts you hold at banks and other financial institutions. These connections are made through Plaid Inc. (“Plaid”), a third-party provider. By connecting an account, you authorize Inertia and Plaid to access and retrieve information from that account, such as balances and transaction history, on your behalf, and you agree that Plaid's handling of your information is governed by the Plaid End User Privacy Policy.

You represent that you are authorized to connect each account you connect and to share its information with us. You can disconnect an account at any time through the Service. Disconnecting stops new information from reaching Inertia but does not automatically delete information we have already received; see our Privacy Policy for how to request deletion.

Information from connected accounts may be delayed, incomplete, or incorrectly categorized. Confirm important details directly with your financial institution before relying on them.

5. Waitlist and email communications

Joining our waitlist, taking our money personality quiz, or telling us your priorities adds you to our email list. We may email you about your quiz results, the launch of Inertia, product updates, and money tips. You can unsubscribe at any time using the link in any email or by contacting us. If you have an account, we may still send you messages about your account and the Service.

By using the Service you consent to receive communications from us electronically, and you agree that electronic communications satisfy any legal requirement that communications be in writing.

Being on our waitlist does not guarantee access to the Service or to any particular feature.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms
• Connect a financial account that is not yours or that you are not authorized to connect
• Provide false, misleading, or incomplete information, or impersonate any person or entity
• Access or attempt to access another user's account or information
• Copy, scrape, crawl, or harvest content or data from the Service, or use automated means to access it, except through interfaces we provide for that purpose
• Reverse engineer, decompile, or attempt to extract the source code of the Service, except where applicable law prohibits this restriction
• Interfere with or disrupt the Service, its security features, or the networks connected to it, or introduce viruses or other harmful code
• Use the Service to build a competing product, or resell, sublicense, or commercially exploit the Service
• Use AI features to generate content that is unlawful or harmful, or to attempt to extract other users' information
• Remove or alter any copyright, trademark, or other proprietary notices

We may investigate violations and suspend or terminate accounts that break these rules.

7. Your content and data

You own the information you provide to the Service and the information we receive from your connected accounts (“Your Data”). You grant Inertia a worldwide, non-exclusive, royalty-free license to use, store, process, copy, display, and create derivative works from Your Data solely to provide, maintain, secure, and improve the Service, to create aggregated or de-identified information, and as otherwise described in our Privacy Policy.

You are responsible for Your Data and represent that you have the rights needed to share it with us.

If you send us feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation to you.

8. Inertia's intellectual property

The Service, including its software, design, text, graphics, logos, budgeting methodology, models, and all related intellectual property, is owned by Inertia or its licensors and is protected by copyright, trademark, and other laws.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service and, where applicable, to download and install one copy of the Inertia mobile application on a device you own or control, for your personal use.

“Inertia” and our logos are trademarks of Inertia Inc. You may not use them without our prior written permission. All rights not expressly granted in these Terms are reserved.

9. Mobile application and app stores

If you download the Inertia app from the Apple App Store or Google Play, your use is also subject to that store's terms. The app store provider has no obligation to provide maintenance or support for the app and is not responsible for addressing any claims relating to it. You acknowledge that the app store provider is a third-party beneficiary of these Terms with the right to enforce them against you as to your use of the app.

Your mobile carrier's standard data and messaging rates may apply.

10. Fees

We may offer some parts of the Service for free and charge for others. Any fees, billing terms, and renewal and cancellation terms will be presented to you before you are charged, and you agree to pay the fees for any paid features you choose.

Fees are non-refundable except as required by law or as we expressly state. We may change our fees or make free features paid with reasonable advance notice.

11. Third-party services and professionals

The Service relies on third-party providers, such as Plaid for account connections, beehiiv for email, cloud hosting providers, and AI providers, and may contain links to third-party websites or offer introductions to independent financial professionals.

We do not control and are not responsible for third-party services, content, or professionals, and your dealings with them are solely between you and them. Any advice a financial professional gives you is theirs, not ours, and is governed by your separate relationship with that professional.

12. Early access and changes to the Service

Inertia is a new product. Features we describe on our website or in our communications may change before or after launch, and features labeled beta, preview, early access, or similar may be incomplete or unstable.

We may add, change, suspend, or remove any part of the Service at any time, with or without notice, and may impose limits on certain features or restrict access to parts or all of the Service.

13. Termination

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

We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms, if required by law, if continuing to provide the Service to you would create risk or legal exposure for us, or if we discontinue the Service.

On termination, your license to use the Service ends. Sections that by their nature should survive termination, including Sections 7, 8, and 14 through 19, will survive.

14. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, Inertia disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

Without limiting the above, we do not warrant that the Service will be uninterrupted, secure, or error-free; that any information, categorization, projection, benchmark, or AI-generated response will be accurate, complete, or current; or that using the Service will help you save money, reduce spending, pay off debt, or reach any financial goal.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

15. Limitation of liability

To the fullest extent permitted by law, Inertia and its officers, directors, employees, contractors, advisors, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, revenue, data, or goodwill, arising out of or relating to the Service or these Terms, however caused and under any theory of liability, even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

These limitations apply to financial decisions you make based on information from the Service, to information from connected accounts or third parties, and to AI-generated responses. Some jurisdictions do not allow the limitation of certain liability, so some of the above may not apply to you.

16. Indemnification

You agree to defend, indemnify, and hold harmless Inertia and its officers, directors, employees, contractors, and advisors from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Service, Your Data, your violation of these Terms, or your violation of any law or the rights of any third party.

17. Dispute resolution, arbitration, and governing law

Please read this section carefully. It affects your legal rights.

Informal resolution

If you have a dispute with us, contact us first at hello@tryinertia.co with a description of the dispute and the relief you are seeking. We will try to resolve it informally. If we cannot resolve it within 60 days, either of us may start arbitration as described below.

Binding arbitration

Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The Federal Arbitration Act governs this section. The arbitrator will decide all issues, including whether a dispute is subject to arbitration. The arbitration may be conducted by video, phone, or written submissions, or in person in Nassau County, New York. Payment of filing and arbitrator fees will be governed by the AAA rules. Judgment on the award may be entered in any court with jurisdiction.

Class action waiver

You and Inertia 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, consolidated, or representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim must be brought in court, and the arbitration agreement will not apply to it.

Exceptions and opt-out

Either party may bring an individual claim in small claims court, or seek injunctive relief in court to protect intellectual property or prevent unauthorized use of the Service. You may opt out of this arbitration agreement by emailing hello@tryinertia.co within 30 days of first accepting these Terms, stating that you want to opt out of arbitration. Opting out does not affect any other part of these Terms.

Governing law and venue

These Terms and any dispute are governed by the laws of the State of New York and the Federal Arbitration Act, without regard to conflict-of-law rules. For any dispute not subject to arbitration, you and Inertia agree to the exclusive jurisdiction of the state and federal courts located in Nassau County, New York, and waive any objection to venue there. To the extent permitted by law, you and Inertia each waive the right to a jury trial.

18. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you, for example by email or by a notice in the Service, and we will update the “Last Updated” date above. Changes take effect on the date stated in the notice or, for non-material changes, when posted.

By continuing to use the Service after changes take effect, you agree to the updated Terms. If you do not agree, stop using the Service and, if you have an account, delete it. Changes to Section 17 will not apply to disputes that arose before the change took effect.

19. General terms

These Terms, together with the Privacy Policy and the Disclosure, are the entire agreement between you and Inertia about the Service and supersede any prior agreements.

If any part of these Terms is found unenforceable, the rest will remain in effect, and the unenforceable part will be modified to the minimum extent needed to make it enforceable, except as stated in the class action waiver.

You may not assign or transfer these Terms without our written consent. We may assign them in connection with a merger, acquisition, sale of assets, or by operation of law.

Our failure to enforce any part of these Terms is not a waiver of our right to do so later. We are not liable for any delay or failure to perform caused by events beyond our reasonable control.

Notices to you may be sent to the email address associated with your account or posted in the Service. Notices to us should be sent to the contact details below. Except as stated in Section 9, there are no third-party beneficiaries of these Terms.

20. Contact

Questions about these Terms may be directed to: