Terms of Service

Last Updated: February 28, 2026

These Terms of Service ("Terms") govern your access to and use of the Clearways mobile application and related services (collectively, the "Service") operated by Clearway ("we," "us," or "our"). By downloading, accessing, or using the Service, you agree to be legally bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use Clearway. By using the Service, you represent and warrant that you meet this requirement.

2. Description of Service

Clearway is a personal budgeting and financial organization tool designed to help users:

• Track income and expenses
• Manage recurring bills
• Calculate estimated daily "Safe to Spend" amounts
• Monitor spending between pay cycles

Clearway does not provide banking services, investment services, credit services, or financial advisory services.

3. Financial Disclaimer

4. User Responsibilities

You agree to:

• Provide accurate and complete information
• Keep your login credentials secure
• Maintain updated and truthful financial data
• Use the Service in compliance with all applicable laws

You are solely responsible for any consequences arising from inaccurate data entry.

5. Acceptable Use

You agree not to:

• Use the Service for unlawful purposes
• Attempt to reverse engineer or decompile the App
• Access the Service using automated scripts or bots
• Interfere with servers, networks, or security features
• Attempt unauthorized access to accounts or systems

6. Account Termination

We may suspend or terminate your account if you violate these Terms or use the Service in a manner that could harm Clearway or other users.

You may delete your account at any time through the App settings.

Upon termination, your right to use the Service immediately ceases.

7. Data and Service Availability

We strive to maintain reliable service but do not guarantee uninterrupted or error-free operation.

We are not responsible for:

• System outages
• Delays in bill reminders
• Data loss due to technical failure
• Third-party service interruptions

You are responsible for maintaining your own financial records.

8. Third-Party Services

Clearway may integrate or rely on third-party services including hosting providers, analytics services, authentication providers, and error monitoring tools.

We are not responsible for the performance or policies of third-party services.

9. Intellectual Property

All content, trademarks, logos, branding, and software associated with Clearway are owned by Clearway and protected by applicable intellectual property laws.

You may not copy, modify, distribute, or create derivative works without written permission.

10. Limitation of Liability

To the maximum extent permitted by law, Clearway shall not be liable for:

• Financial losses
• Missed payments
• Overdraft fees
• Indirect or consequential damages
• Loss of profits, data, goodwill, or opportunities

Your use of the Service is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless Clearway from any claims, damages, losses, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your financial decisions

12. Modifications to Terms

We may update these Terms from time to time. If material changes are made, we will notify users within the App or via email.

Continued use after updates constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and interpreted under the laws of the applicable jurisdiction in which Clearway operates, without regard to conflict of law principles.

14. Contact Information