Legal

Terms of Service

These plain-English v1 terms describe how YouInc is offered while the product is founder-led and access is still controlled. They are written to be honest and readable, not to serve as final legal terms, and will be reviewed by a lawyer before broad public launch.

Last updated: 4 July 2026

Using YouInc

  • YouInc helps individuals understand their finances through bank sync, a double-entry ledger, dashboards, exports, and optional custom work.
  • You need a compatible account and, for live access, a passkey to sign in. You are responsible for keeping access to your device and passkey secure.
  • You are responsible for the accuracy of any information you connect, import, edit, or enter by hand.

Acceptable use

  • Do not attempt to access another person's account or data.
  • Do not probe, disable, or interfere with security controls except through the vulnerability disclosure process on the security page.
  • Do not use YouInc for unlawful activity or to store data you are not entitled to hold.

Not financial advice

YouInc provides software, reports, widgets, and operational views. It does not provide financial, tax, legal, investment, lending, or accounting advice, and it is not a registered financial adviser. You should verify important decisions with a qualified professional.

Plans and billing

  • Demo access uses sample data, is free, and does not require a bank connection.
  • Self-serve access is offered as a monthly NZD subscription while access is being rolled out.
  • Concierge work may be a monthly plan, a scoped one-off build, or both. Paid custom work is confirmed in writing, including scope and price, before work begins.
  • Prices may change over time. Existing subscribers will get reasonable notice before a material change applies to them.

Custom builds

Custom widgets, integrations, and ledger-aware automation are scoped around a specific outcome agreed in writing. Unless agreed otherwise, custom work is delivered inside YouInc. General product improvements learned from custom work do not expose your private financial data.

Cancellation and export

You can stop using YouInc at any time and request an export of your ledger. YouInc keeps your data portable through hledger-compatible plain-text accounting journals so your financial history can outlive the product. See the data controls page for the export, disconnect, and deletion steps.

Availability and liability

YouInc is a founder-led product still in early access. The service may change, pause, or experience outages, and it is provided on an as-is basis without guarantees of uninterrupted availability. Material incidents and changes will be communicated as clearly as possible. Specific liability limits will be set during legal review.

Governing law

YouInc is operated from New Zealand and these terms are intended to be governed by New Zealand law. The governing-law clause, dispute process, and the operating legal entity will be confirmed during legal review.