Sevra
Terms of Service
1. Acceptance
By creating an account or using Sevra, you agree to these Terms of Service. If you do not agree, do not use the service. These terms form a legal agreement between you and Cultured Craft, LLC ("Cultured Craft," "we," "us"), the operator of Sevra.
2. Service description
Sevra is a personal-finance projection tool. It connects to your accounts through Plaid Inc., runs deterministic path-to-zero math on your debts, and optionally surfaces AI-generated coaching insights. The service is offered as-is and may evolve; specific features may be added, changed, or removed.
3. Not financial advice
Sevra is not a financial advisor, broker, lender, accountant, or fiduciary. Projections are estimates based on the data available; AI-generated insights are coaching suggestions, not professional recommendations. You are solely responsible for your financial decisions. Consult a licensed professional for advice specific to your situation, especially before major decisions like consolidation, refinancing, or balance transfers.
4. Account responsibility
You are responsible for keeping your password and any second-factor token secure, and for all activity that occurs on your account. Notify us at david@culturedcraft.com promptly if you believe your account has been accessed without authorization. We recommend enabling two-factor authentication.
5. Acceptable use
You agree not to:
- access the service through means other than the official app and web interfaces;
- scrape, reverse-engineer, decompile, or attempt to extract source code or access tokens;
- share, transfer, or resell your access tokens or account credentials;
- use the service to violate any law or to harm, harass, or impersonate another person;
- interfere with the integrity, security, or performance of the service or its underlying infrastructure.
6. Disconnection and data control
You can unlink any connected Plaid Item from the Connections list in Settings. Doing so stops further syncing immediately and purges the associated access token from our servers. You can export your data as CSV or JSON, and request account deletion, at any time from Settings.
7. No warranty
The service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We aim for accuracy but errors, delays, and outages can happen, including in upstream providers like Plaid and Google Cloud.
8. Limitation of liability
To the fullest extent permitted by law, Cultured Craft, LLC will not be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss of profits, revenue, or data, arising from your use of the service. Our total aggregate liability for any claim arising out of these terms is limited to the greater of fifty US dollars ($50) or the amount you paid us in the twelve months preceding the claim.
9. Termination
You may terminate your account at any time from Settings. We may suspend or terminate access to the service if you violate these terms or if continued operation poses a security or legal risk. Upon termination, your data will be handled per the deletion process described in the Privacy Policy.
10. Changes
We may update these terms from time to time. The current version will always live at this URL with an updated effective date. For material changes, we will notify active users in-app before the change takes effect. Continued use of the service after changes take effect constitutes acceptance of the new terms.
11. Governing law
These terms are governed by the laws of the Commonwealth of Massachusetts, United States, without regard to conflict-of-law rules. You and Cultured Craft, LLC agree to the exclusive jurisdiction of the state and federal courts located in Massachusetts for any dispute arising out of or relating to these terms or the service.
12. Contact
Cultured Craft, LLC
Massachusetts 01506, United States
david@culturedcraft.com