Terms of Service

OrnaMoney Family Finance is a parent-controlled family finance and child financial education service. Parents can create a household, manage child profiles, connect financial institutions through Plaid, review transactions, and choose which account and transaction information children can see.

The service is not a bank, broker, lender, investment adviser, tax adviser, credit counselor, payment processor, or money transmitter.

A parent or legal guardian is responsible for creating the household, supervising child access, selecting what child profiles can see, and ensuring the service is appropriate for each child.

Children may only use the service with parent or guardian involvement. Parents are responsible for child usernames, passwords, and use of child-facing features.

If you connect a financial institution, you authorize the service and Plaid to access and process the account information needed to provide the selected features.

Connected-account data may be delayed, incomplete, modified by the financial institution, or unavailable. Plaid Transactions data should be treated as a freshness-aware data source, not a guarantee of real-time account status.

You may disconnect linked institutions where the app provides that control or by contacting support.

OrnaMoney does not hold customer funds, initiate money movement, execute trades, provide loans, or make financial decisions for you.

Information in the service is for household budgeting, review, and education. It is not financial, investment, tax, legal, credit, or accounting advice.

You are responsible for keeping your credentials confidential, using strong passwords, limiting access to trusted household members, and promptly notifying us of suspected unauthorized access.

You may not share reviewer, child, or parent credentials with anyone who is not authorized to access the household.

You may not use the service to violate law, infringe rights, harass others, bypass security, scrape or reverse engineer the service, interfere with service operation, upload malicious code, or access data you are not authorized to access.

You may not use the service for regulated financial services, lending, payment initiation, investment recommendations, or other high-risk uses unless we have expressly enabled those features in writing.

Our Privacy Policy explains how we collect, use, retain, and delete personal data. By using the service, you acknowledge that household and connected-account data will be processed as described in that policy.

Parents can request access, correction, export, disconnection, or deletion of household and child data as described in the Privacy Policy.

Some features may require payment or third-party services. If payment features are enabled, billing terms will be presented before purchase.

The service depends on third parties such as hosting, authentication, database, payment, security, and financial-data connectivity providers. We are not responsible for outages, data delays, or policy changes caused by third-party providers.

We may update, suspend, restrict, or discontinue features as needed for security, reliability, compliance, or product development.

We may suspend or terminate access if we believe use of the service violates these terms, creates risk, or is unlawful. You may stop using the service and request deletion according to the Privacy Policy.

The service is provided on an "as is" and "as available" basis. We do not warrant that data will always be accurate, current, complete, or uninterrupted.

To the fullest extent allowed by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost data, or financial decisions made based on the service.

These terms are governed by the laws applicable to the operator of the service, without regard to conflict-of-law rules.

Questions about these terms can be sent to dhndeveloper@gmail.com.