- OctoWealth Terms of Service 1. About OctoWealth 2. Mobile App Only 3. Eligibility 4. Your Account 5. Authentication and Security Features 6. Financial Account Connections Through Plaid 7. Read-Only Financial Data Access 8. Accuracy and Availability of Financial Data 9. No Financial, Legal, Tax, Credit, Lending, or Investment Advice 10. Simulators, Forecasts, Budgets, Reports, and Insights 11. User Data and User Content 12. Privacy 13. Account Deletion, Data Deletion, and Plaid Disconnect 14. Subscriptions, Trials, Payments, Billing, and Refunds 15. Apple App Store Additional Terms 16. Google Play Additional Terms 17. Acceptable Use 18. Prohibited Financial Uses 19. Third-Party Services 20. Financial Institutions 21. Market, Investment, Currency, and Crypto Reference Data 22. AWS and Cloud Infrastructure 23. App Availability and Changes 24. Beta, Experimental, and Pre-Release Features 25. Push Notifications and Communications 26. Intellectual Property 27. Feedback 28. Open Source Software 29. Suspension and Termination 30. Disclaimers 31. Limitation of Liability 32. Indemnification 33. Dispute Resolution; Informal Resolution First 34. Arbitration Agreement 35. Exceptions to Arbitration 36. Class Action Waiver 37. Opt-Out of Arbitration 38. Governing Law 39. Changes to These Terms 40. Changes to the App 41. Force Majeure 42. Assignment 43. Severability 44. No Waiver 45. Entire Agreement 46. Contact
Effective Date: 10 Jun 2026 Last Updated: 10 Jun 2026
These Terms of Service, together with any referenced policies, notices, disclosures, and additional terms (collectively, the “Terms”), govern your access to and use of the OctoWealth mobile application and related services.
These Terms are a legal agreement between you and OctoPath LLC d/b/a OctoWealth (“OctoWealth,” “we,” “us,” or “our”). By creating an account, accessing the mobile app, connecting a financial account, starting a subscription, using any OctoWealth feature, or otherwise using the service, you agree to these Terms.
If you do not agree to these Terms, do not access or use OctoWealth.
Subscriptions, Trials, Payments, Billing, and Refunds
OctoWealth may offer paid subscription features, including OctoWealth Premium, monthly subscriptions, annual subscriptions, free trials, promotional offers, or other pricing plans.
Depending on the billing channel available at launch, subscriptions may be processed through Apple App Store, Google Play, Stripe, or another payment processor.
Unless otherwise stated at checkout:
- subscriptions may automatically renew;
- free trials may convert to paid subscriptions unless cancelled before the trial ends;
- you are responsible for cancelling before renewal if you do not want the subscription to renew;
- deleting the OctoWealth app may not cancel your subscription;
- deleting your OctoWealth account may not cancel your subscription;
- refunds are handled according to the rules of the applicable app store, payment processor, or billing platform;
- OctoWealth may not be able to issue refunds directly for purchases made through Apple, Google, Stripe, or another payment provider;
- access to paid features may end if your subscription expires, is cancelled, is refunded, fails billing, is revoked, or is otherwise invalid.
We may change subscription prices, features, plans, or billing terms where permitted by law and platform rules. If required, we or the applicable billing platform will provide notice or obtain consent before changes apply.
Important launch note: Before publishing these Terms, OctoWealth should update this section to reflect the actual live billing channel. If paid digital app functionality is sold through Apple App Store or Google Play, the applicable app store billing terms should be used. If Stripe web checkout is used, this section should describe Stripe checkout and any related platform limitations accurately.