1. Overview
This Service Agreement (“Agreement”) is entered into between WealthWeave (“we,” “us,” or “our”) and you (“User,” “you,” or “your”) and governs the specific services WealthWeave commits to delivering, the obligations of each party, and the standards under which those services are provided. This Agreement is incorporated into and subject to our Terms and Conditions and Privacy Policy. In the event of a conflict between this Agreement and the Terms and Conditions, the Terms and Conditions govern.
2. Services Provided
Subject to your active subscription and compliance with this Agreement, WealthWeave agrees to provide:
Free Tier (Post-Trial)
- Basic dashboard access with limited feature set
- Account and balance overview (up to 1 linked institution)
- Access to account settings and profile management
- AI Coach, transactions, goals, and market data features are not available on the Free tier
All Authenticated Users (Trial / Pro / Platinum)
- Secure bank account and transaction aggregation via Plaid’s data aggregation infrastructure
- Real-time net worth dashboard and account balance overview
- AI-powered financial coaching via Google Gemini, using your linked financial data
- Financial goal creation, tracking, and progress visualization
- Cash flow calendar with monthly transaction history (up to 12 months)
Pro Tier and Above
- All features listed above
- Live equity market data and stock quote search via Finnhub
- Advanced financial goal analytics and savings insights
Platinum Tier Only
- All Pro features
- Live cryptocurrency market data via Kraken WebSocket (real-time)
- Interactive market charts with historical candlestick data
- WealthScore™ — proprietary financial health scoring based on linked account data
- Credit score simulation and credit-building action plans
- Tax Center 2026 — bracket estimation, forms guide, deduction catalog, and filing checklist
- Automated recurring subscription detection and cancellation guidance
- AI-generated financial insights and spending analysis — 4 personalized insight cards, refreshable up to 5 times per hour
- Investment holdings tracking — brokerage and retirement account positions via Plaid Investments
- Weekly financial digest emails (optional, manageable in Settings)
- Net Worth Projector and spending analytics
- Fully customizable dashboard — add, remove, and reorder widgets; preferences stored in your browser’s local storage
Feature availability is determined by your subscription tier at the time of access. WealthWeave reserves the right to modify, add, or remove features with reasonable notice to active subscribers.
3. Service Availability
WealthWeave targets platform uptime of 99% measured on a monthly basis, excluding:
- Scheduled maintenance windows (announced in advance when possible)
- Outages caused by third-party providers (Plaid, Stripe, Supabase, Vercel, Google Gemini, Finnhub, Kraken, Upstash, Cloudflare, Resend, Sentry, Yahoo Finance)
- Force majeure events including cyberattacks, natural disasters, or infrastructure failures beyond our control
We do not guarantee uninterrupted access and are not liable for losses arising from temporary service unavailability. For material outages, status updates will be communicated via support@wealthweave.co.
4. Data Handling Commitments
WealthWeave commits to the following data practices for the duration of this Agreement:
- Your financial data is never sold to third parties or used for advertising purposes
- Bank credentials are never stored by WealthWeave — all credential handling is performed by Plaid
- Data is encrypted in transit (TLS 1.2+) and at rest, with row-level security enforced per user account in Supabase
- API access is protected by CSRF origin validation and per-user rate limiting via Upstash Redis
- Access to your financial data is restricted to the AI coaching pipeline and the features you actively use
- Rate-limiting identifiers in Upstash Redis expire within 1 hour. Generated AI insight results are also cached server-side in Upstash Redis for up to 24 hours (and a fallback copy for up to 7 days) to reduce redundant AI processing; these caches expire automatically and are keyed to your account
- AI insight results are cached in your browser’s sessionStorage (up to 55 minutes) and server-side in Upstash Redis (up to 24 hours, with a 7-day fallback copy used during AI provider outages) to avoid unnecessary AI processing
- Dashboard widget preferences (visible widgets, display order) are stored in your browser’s localStorage and are never transmitted to our servers
- Upon account deletion, your personal data is removed from our systems within 30 days, subject to legal retention requirements
5. AI Feature Standards
WealthWeave provides two AI-powered features. For both, WealthWeave agrees to:
- AI Coach (chat): Transmit a fresh snapshot of your financial data for each conversation; not retain conversation history server-side (message history lives in your browser and is sent per-request); enforce a rate limit of 15 conversations per hour per user
- AI Insights (Platinum): Generate 4 personalized financial insight cards on demand only — never auto-generating on page load; enforce a rate limit of 5 insight refreshes per hour per user (cache hits do not count toward this limit); cache results in your browser’s sessionStorage (up to 55 minutes) and server-side for up to 24 hours; during AI provider outages, a previously generated insight (up to 7 days old) may be shown and labeled as cached
- Clearly identify all AI-generated content as informational, not professional financial advice
- Route AI requests through the Google Gemini API (currently gemini-2.5-flash), subject to Google’s availability and usage policies
You acknowledge that AI responses are generated by Google Gemini and may contain errors or inaccuracies. WealthWeave does not verify AI output for accuracy and is not responsible for financial decisions made based on AI-generated content.
6. Market Data
WealthWeave provides market data under the following service standards:
- Equity prices are sourced from Finnhub and refresh every 60 seconds. Data may be delayed up to 15 minutes on Finnhub’s free data tier
- Cryptocurrency prices are streamed via Kraken WebSocket in real time where the trading pair is supported
- Historical chart data is sourced from Yahoo Finance and is for informational purposes only
- WealthWeave does not guarantee the accuracy, timeliness, or completeness of any market data
- Market data is not investment advice and should not be used as the sole basis for any investment decision
7. Payment and Subscription Terms
The following billing terms apply to all paid subscriptions:
- Subscriptions are available on monthly or annual billing cycles, processed through Stripe, Inc., a PCI-DSS Level 1 compliant payment processor
- Monthly plans are billed in advance at the start of each monthly period. Annual plans are billed in full at the start of each annual period at a rate equivalent to 10 months’ billing (2 months free)
- Your subscription auto-renews each billing cycle unless you cancel before the renewal date
- Cancellation takes effect at the end of the current paid period; access continues until then. Annual subscribers who cancel retain access through the end of their paid annual period; no refunds are issued for unused months remaining in an annual term
- No prorated refunds are issued for unused time within any billing period
- Pricing changes are communicated at least 30 days in advance for active subscribers
- New accounts receive a 7-day free trial, valid once per account. Trial eligibility is permanently recorded and cannot be reset
- Platinum subscriptions purchased directly from the pricing page are billed immediately upon checkout completion — no trial period applies, regardless of billing interval selected
- Returning subscribers who previously cancelled are billed immediately upon re-subscription and are not eligible for an additional trial
If a payment fails, WealthWeave will attempt to retry the charge. Access to paid features may be suspended if payment is not received within 7 days of the failed attempt. You remain responsible for all amounts owed during any suspension period.
8. Your Obligations
As a condition of receiving the Services, you agree to:
- Provide accurate account and financial information when prompted
- Maintain the security of your login credentials and notify us of any breach at support@wealthweave.co
- Use the Service only for lawful personal finance management purposes
- Not attempt to circumvent bot-verification measures (Cloudflare Turnstile) or rate limits
- Not attempt to reverse-engineer, scrape, or redistribute any part of the platform
- Not use the Service to make financial representations to third parties (lenders, employers, etc.)
- Promptly update your payment information if it changes
9. Third-Party Service Dependencies
WealthWeave relies on the following third-party services to deliver the platform. Their performance directly affects yours:
- Plaid: bank connectivity — subject to Plaid’s own availability and institution support
- Stripe: payment processing — PCI-DSS Level 1 compliant infrastructure
- Supabase: database and authentication — hosted on AWS infrastructure
- Google Gemini API: AI coaching — subject to Google’s usage policies and rate limits
- Cloudflare Turnstile: bot detection at signup — subject to Cloudflare’s availability
- Upstash Redis: distributed rate limiting — subject to Upstash’s uptime SLA
- Finnhub: equity market data — accuracy and availability not guaranteed by WealthWeave
- Kraken WebSocket: cryptocurrency prices — subject to Kraken’s supported pairs and API stability
- Yahoo Finance (public API): historical candlestick chart data — provided as-is, accuracy not guaranteed
- Resend: transactional and digest email delivery
- Sentry: application error monitoring — captures user ID and error context on production failures; session replay is disabled
- Vercel: application hosting and edge delivery — subject to Vercel’s uptime SLA
WealthWeave is not responsible for outages, data loss, or service degradation caused by third-party providers. We will make reasonable efforts to communicate material disruptions to affected users.
10. Support
WealthWeave provides customer support via email at support@wealthweave.co. We aim to respond to all inquiries within 3 business days. Platinum subscribers receive priority support with a target response time of 1 business day. Support is provided in English only. WealthWeave does not guarantee resolution timelines for issues caused by third-party provider outages or circumstances outside our control.
11. Not Financial Advice
Nothing in this Agreement or delivered through the Service constitutes licensed financial, investment, tax, credit, or legal advice. WealthWeave is a personal finance software tool. All insights, projections, estimates, credit simulations, tax summaries, market data, and AI-generated guidance are for informational purposes only. You should consult a licensed financial advisor, CPA, or attorney before making significant financial decisions. WealthWeave is not registered as an investment advisor, broker-dealer, or financial planner under any applicable law.
12. Suspension and Termination
Either party may terminate this Agreement:
- By you: at any time using the self-service account deletion option in Account Settings (which cancels your subscription and permanently removes your data), or by contacting support@wealthweave.co
- By WealthWeave: immediately for material breach of the Terms or this Agreement, or with 30 days’ notice for any other reason
Upon termination, your access to paid features ceases at the end of the current billing period (for voluntary cancellation) or immediately (for breach). Sections 4, 11, 13, and 14 of this Agreement survive termination.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WEALTHWEAVE’S TOTAL LIABILITY UNDER THIS AGREEMENT FOR ANY CAUSE OF ACTION SHALL NOT EXCEED THE FEES PAID BY YOU TO WEALTHWEAVE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM. WEALTHWEAVE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING FINANCIAL LOSSES, LOSS OF DATA, LOSS OF PROFITS, OR INVESTMENT LOSSES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
14. Governing Law
This Agreement is governed by the laws of the State of Texas, without regard to conflict of law principles. Any dispute arising under this Agreement shall be resolved through binding arbitration as described in our Terms and Conditions, Section 18.
15. Amendments
WealthWeave may update this Agreement at any time. For material changes, we will provide at least 30 days’ advance notice via email or in-app notification. Your continued use of the Service after the effective date of any amendment constitutes acceptance of the revised Agreement.
16. Entire Agreement
This Agreement, together with the Terms and Conditions and Privacy Policy, constitutes the entire agreement between you and WealthWeave regarding the Services and supersedes all prior representations, understandings, or agreements relating to the subject matter herein.
17. Contact
Questions about this Service Agreement? Contact us at support@wealthweave.co. We aim to respond within 3 business days.