Terms of Service

Acceptance of these terms

These Terms of Service (the “Terms”) are a binding agreement between you and Fruity Patootie (“Fruity Patootie,” “we,” “us,” or “our”) governing your use of the Fruity Patootie personal budgeting web app and this website (together, the “Service”). By creating an account, signing in, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

You must be at least 18 years old, or the age of legal majority in your jurisdiction, and able to form a binding contract, to use the Service.

Description of the service

Fruity Patootie is a personal budgeting tool. It lets you connect your financial accounts through SimpleFIN Bridge (or import transaction files for banks it cannot reach), categorize your transactions against a budget, track savings and investments, reconcile each month, and interact with an in-app AI assistant that can answer questions and offer suggestions about your finances. The Service is provided for your personal, individual use.

We may add, change, or remove features at any time, and we may set or adjust limits on use of the Service. The Service depends on third-party providers (described in our Privacy Policy), and their availability is outside our control.

Not financial, investment, or tax advice

Fruity Patootie is a budgeting and informational tool, not a financial advisor. Nothing the Service provides — including any output from the AI assistant, automatic categorization, projections, savings-goal estimates, or other suggestions — constitutes financial, investment, tax, legal, or accounting advice, and none of it should be relied on as such. We are not a registered investment adviser, broker-dealer, financial planner, tax preparer, or fiduciary, and using the Service does not create any such relationship.

The Service’s outputs are general information based on the data available to it. They do not account for your full financial circumstances and may not be appropriate for your situation. You are solely responsible for your own financial decisions. Before acting on anything you see in the Service, consult a qualified professional licensed in your jurisdiction.

AI output may be inaccurate

The Service uses artificial intelligence to categorize transactions and to power the assistant chat. AI-generated output can be incomplete, inaccurate, out of date, or simply wrong, and it may misread your data or present mistaken figures with apparent confidence. The assistant does not verify facts and should not be treated as authoritative.

Always review AI-generated categorizations, summaries, numbers, and suggestions before relying on them, and check them against your own records and your financial institution’s official statements, which are the authoritative source for your account balances and activity. You use AI features at your own discretion and risk.

Your account

You are responsible for the information you provide, for keeping your login credentials confidential, and for all activity that occurs under your account. Sign-in is by email and password (with email verification) or by Google sign-in. Notify us promptly at privacy@fruitypatootie.com if you believe your account has been accessed without your authorization. You are responsible for the accuracy of the financial data and connections you add to the Service.

Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, or to violate any applicable law or regulation.
• Access or attempt to access another user’s account or data, or connect financial accounts you are not authorized to use.
• Interfere with, disrupt, or overload the Service or its infrastructure, or attempt to circumvent rate limits, authentication, or security controls.
• Probe, scan, reverse engineer, scrape, or copy the Service except as expressly permitted by law.
• Use the Service to build or train a competing product, or to resell or commercially redistribute access to it.
• Upload malicious code, or use the Service in any way that could harm us, other users, or third parties.

Account termination & deletion

You may stop using the Service at any time. You can delete your account yourself from App Settings: deletion removes the stored bank-access credential and stops all syncing, then permanently erases your personal data and app content — budgets, transactions, chats, and connections. It is immediate and irreversible, with no recovery period or data export. Please make sure you have anything you want to keep before you delete.

We may suspend or terminate your access to the Service, with or without notice, if you violate these Terms, if we are required to by law, or if we discontinue the Service. Sections of these Terms that by their nature should survive termination — including the disclaimers, limitation of liability, and governing-law provisions — will continue to apply.

Disclaimer of warranties

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, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free; that bank data retrieved through third-party providers will be accurate, complete, or timely; or that any AI-generated output will be accurate or reliable. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

Limitation of liability

To the fullest extent permitted by law, in no event will Fruity Patootie be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Service — including any financial decision made in reliance on the Service or its AI output — whether based on warranty, contract, tort, or any other legal theory, and even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total aggregate liability for all claims relating to the Service will not exceed the greater of the amount you paid us to use the Service in the twelve months before the claim arose, or twenty U.S. dollars (US$20). Some jurisdictions do not allow certain liability limitations, so some of the above may not apply to you.

Governing law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Colorado, United States, without regard to its conflict-of-laws rules. You agree that the state and federal courts located in Colorado will have exclusive jurisdiction over any such dispute, and you consent to personal jurisdiction and venue there, except where applicable law gives you the right to bring proceedings elsewhere.

Changes to these terms

We may update these Terms as the Service evolves. When we do, we will revise the “Last updated” date above. Material changes will be reflected here; your continued use of the Service after changes take effect means you accept the updated Terms. Please check back periodically.

Contact

Questions about these Terms? Email us at privacy@fruitypatootie.com.