1. Agreement
Tearleads, LLC (“Tearleads,” “we,” “us,” or “our”) provides the Tearleads websites, applications, and related services (the “Service”). These Terms of Service (“Terms”) govern your access to and use of the Service. By creating an account, accepting an invitation, or using the Service, you agree to these Terms and acknowledge our Privacy Policy and Data Retention Policy. If you use the Service for an organization, you represent that you have authority to bind that organization, and “you” includes that organization.
If you do not agree to these Terms, do not access or use the Service. You must be at least 18 years old and legally able to enter into these Terms.
2. Accounts and organizations
You must provide accurate account information, protect your credentials and recovery codes, and promptly notify us of suspected unauthorized access. You are responsible for activity performed through your account unless prohibited by law.
Organization owners and administrators control membership, roles, groups, and access to organization data. If you join an organization, its owners and authorized administrators may manage your access and the information you add to that workspace. You must connect accounts, upload information, or invite users only when you have the right and authority to do so.
3. The Service
Tearleads provides organization workspaces for storing and managing information such as files, inbound messages, business records, audits, and financial account and transaction records. Features may change over time, and some features may be identified as beta, sandbox, preview, or otherwise not ready for production use.
You are responsible for maintaining copies of information that you cannot afford to lose and for configuring your organization’s access appropriately.
4. Plaid and financial data
The Finance feature lets authorized users connect financial institutions through Plaid and import up to 24 months of account and transaction data. By starting a connection, you authorize Plaid and Tearleads to access and process the data you select for the purposes described in our Privacy Policy. Your use of Plaid is also subject to Plaid’s applicable agreements and End User Privacy Policy.
You represent that you are authorized to connect each financial account and to make its data available to the members of your Tearleads organization who have Finance access. You may not use another person’s financial information without permission.
Disconnecting an institution revokes Tearleads’ ongoing Plaid access but does not automatically delete previously imported account, transaction, or annotation records. Those records can be permanently deleted through a separate control after disconnection, as described in our Data Retention Policy. Financial information may be delayed, incomplete, duplicated, categorized incorrectly, or otherwise differ from your institution’s official records.
5. No financial, legal, tax, or accounting advice
Tearleads is a record-management tool. It is not a bank, financial institution, investment adviser, credit bureau, accounting firm, or law firm. The Service does not provide financial, investment, lending, legal, tax, or accounting advice. Do not rely on the Service as the sole source for account balances, tax filings, compliance decisions, payments, or other decisions with legal or financial consequences. Consult the relevant institution or a qualified professional.
6. Customer information and license
As between you and Tearleads, you retain your rights in information you submit to the Service (“Customer Information”). You grant us a limited, non-exclusive license to host, copy, process, transmit, and display Customer Information only as reasonably necessary to provide, secure, maintain, and support the Service, comply with law, and enforce these Terms.
You are responsible for Customer Information, including its accuracy, legality, and the notices, permissions, and consents required to process it. We do not sell Customer Information. Our handling of it is described in the Privacy Policy, and its retention and deletion are described in the Data Retention Policy.
7. Acceptable use
You may not use the Service to:
- violate law or another person’s rights;
- access, collect, connect, upload, or disclose information without authorization;
- distribute malware, interfere with the Service, evade security or access controls, or test vulnerabilities without written permission;
- scrape, reverse engineer, resell, or provide the Service to third parties except as expressly permitted by law or a written agreement;
- impersonate anyone or misrepresent your affiliation or authority; or
- use financial data for unlawful discrimination, unauthorized surveillance, or decisions you are not legally permitted to make.
8. Third-party services
The Service relies on third parties, including Plaid and Cloudflare. Their services, terms, availability, and privacy practices are outside our control. We are not responsible for third-party services, but this does not limit our obligations concerning Customer Information in our possession or control.
9. Suspension and termination
You may stop using the Service at any time. Organization owners can mark an organization for deletion, after which it becomes inaccessible and is eligible for permanent deletion after 30 days unless restored, as described in our Data Retention Policy. We may suspend or terminate access when reasonably necessary to protect the Service or others, respond to legal requirements, prevent fraud or abuse, address nonpayment, or enforce these Terms.
Provisions that by their nature should survive termination will survive, including provisions concerning ownership, disclaimers, liability, and disputes.
10. Service availability and disclaimers
We work to keep the Service secure and available, but it may occasionally be unavailable, interrupted, delayed, or contain errors. To the maximum extent permitted by law, the Service is provided “as is” and “as available,” without warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted or error-free operation. Some jurisdictions do not allow certain disclaimers, so parts of this section may not apply to you.
11. Limitation of liability
To the maximum extent permitted by law, Tearleads, LLC and its suppliers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, goodwill, use, or data, arising from or related to the Service. Our total liability for all claims relating to the Service will not exceed the greater of the amount you paid for the Service during the 12 months before the event giving rise to the claim or US $100.
These limitations do not apply where prohibited by law and do not limit liability that cannot legally be limited.
12. Changes
We may update these Terms as the Service changes. We will post updated Terms here and revise the effective date. If changes materially affect your rights, we will provide additional notice when required. Continued use after the updated Terms take effect means you accept them.
13. Contact
Questions about these Terms can be sent to legal@tearleads.com.