These Terms of Service ("Terms") are a legally binding agreement between you ("you" or "Member") and Boss Finances Inc., a Delaware corporation with its principal office at 777 Brickell Avenue, Suite 500, Miami, Florida 33131 ("Boss Finances," "we," "us," or "our"). These Terms govern your access to and use of bossfinances.ai, the Boss Finances mobile applications, and all related products and services (collectively, the "Services").
1. Acceptance of These Terms
By creating an account, clicking "I agree," or otherwise accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Financial Disclosures, each of which is incorporated by reference. If you do not agree, do not use the Services.
2. Definitions
- "Account" — the account you create to access the Services.
- "Boss Money AI" — the AI-powered financial coaching feature.
- "Content" — any content made available through the Services, including text, data, graphics, software, videos, and user-generated submissions.
- "Founding Member" — a Member who has purchased a Founding Member subscription on or before October 1, 2026, subject to the 500-seat cap.
- "Subscription" — any paid plan, including Core, Elite, or a Founding Member plan.
3. Eligibility and Account Registration
3.1 Eligibility
To use the Services, you must (a) be at least 18 years old; (b) be a resident of the United States (or another country we have designated as supported); (c) have the legal capacity to enter into a binding agreement; and (d) not be barred from using the Services under applicable law.
3.2 Account Registration
You agree to provide accurate, complete, and current information when creating your Account. You are responsible for maintaining the confidentiality of your password and for all activities under your Account. Notify us at security@bossfinances.ai if you suspect unauthorized access.
3.3 One Account Per Person
You may maintain only one personal Account. Accounts are non-transferable except upon death or with our prior written consent.
4. Subscription Plans and Billing
4.1 Plans
Boss Finances offers a Free plan, a Core plan at $14.99/month (or $149/year), an Elite plan at $34.99/month (or $349/year), and, during the Founding Member window, a Founding Member plan at $149 one-time. Current plans and pricing are listed at bossfinances.ai/pricing.
4.2 Billing
Recurring Subscriptions are billed in advance on a monthly or annual basis. By providing a payment method, you authorize Boss Finances (through Stripe) to charge the applicable Subscription fees.
4.3 Automatic Renewal
IMPORTANT — AUTOMATIC RENEWAL NOTICE. Your paid Subscription will automatically renew at the end of each billing period at the then-current rate (or the locked rate, for Founding Members), unless you cancel before the end of the period. You may cancel at any time from your Account settings; cancellation takes effect at the end of the current billing period.
4.4 Price Changes
For non-Founding-Member plans, we may change prices with at least thirty (30) days' advance email notice. Continuing to use paid Services after a price change takes effect constitutes acceptance.
4.5 Founding Member Pricing Lock
Founding Members are entitled to the price and terms in effect at the time of their purchase for as long as their Subscription remains continuously active. If a Founding Member cancels and later wishes to rejoin, they will be subject to the public pricing then in effect.
4.6 Taxes
Fees are exclusive of taxes unless otherwise stated. You are responsible for any sales, use, VAT, or other taxes applicable to your Subscription.
5. Founding Member Program
This section applies only to Members who have purchased a Founding Member plan.
5.1 Benefits
Founding Members receive lifetime Elite-tier access (subject to Section 5.4), the Founding Member badge, access to the Founding Member community, quarterly AMAs with Trevor James, priority product voting, first access to future Boss-family products, a swag kit (U.S. shipping only), and inclusion in the public launch credits (with permission).
5.2 500-Seat Cap
Founding Member status is limited to five hundred (500) Members worldwide. Once the cap is reached or October 1, 2026 arrives (whichever comes first), Founding Member pricing is no longer available.
5.3 Swag Kit
Founding Member swag kits are shipped only within the United States. International Founding Members receive a digital welcome package and a $30 USD credit applicable to any Boss-family product.
5.4 Meaning of "Lifetime" Access
"Lifetime" access for Founding Members means access for so long as Boss Finances exists as an active product. In the event Boss Finances is acquired, discontinued, or wound down, we will (a) provide at least twelve (12) months' advance notice via email, and (b) issue a pro-rata refund of any lifetime plan payments made in the twelve (12) months preceding the wind-down notice.
5.5 Transfers and Gifts
Founding Member status is non-transferable except where purchased as a gift through the official gifting flow. Resale or sublicensing of Founding Member access is prohibited and will result in termination of the Account without refund.
6. Refunds and Cancellation
You may cancel any Subscription at any time from your Account settings. We offer a 30-day refund window on annual plans and on the Founding Member one-time payment, with the refund window for Founding Members extending until the public launch date.
7. Intellectual Property
The Services and all Content (other than User Content) are owned by Boss Finances LLC and licensed to Boss Finances Inc., and are protected by U.S. and international copyright, trademark, trade secret, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial use.
8. Acceptable Use
You agree not to:
- use the Services for any unlawful purpose or in violation of any applicable law;
- impersonate any person or entity, or misrepresent your affiliation;
- upload or transmit viruses, malware, or other malicious code;
- attempt to gain unauthorized access to any portion of the Services;
- scrape, crawl, or use automated tools to extract data from the Services;
- reverse engineer, decompile, or disassemble any portion of the Services.
9. Boss Money AI
Boss Money AI responses are generated by a large language model with educational and compliance guardrails. Responses may be incomplete, out of date, or inapplicable to your specific facts. Treat them as a starting point for your own research and as input for conversations with qualified professionals. Nothing generated by Boss Money AI constitutes personalized financial, legal, tax, or investment advice.
10. Bank Account Linking and Plaid
Bank linking is provided through Plaid. By linking an account, you also agree to Plaid's terms and privacy policy. Plaid provides Boss Finances with read-only access; we cannot initiate transactions through Plaid.
11. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. BOSS FINANCES DOES NOT WARRANT THAT (A) THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (B) THE SERVICES WILL MEET YOUR REQUIREMENTS OR ACHIEVE SPECIFIC FINANCIAL OUTCOMES; (C) DEFECTS WILL BE CORRECTED; (D) THIRD-PARTY DATA WILL BE ACCURATE OR COMPLETE; OR (E) BOSS MONEY AI RESPONSES WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR PARTICULAR CIRCUMSTANCES.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, BOSS FINANCES'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO BOSS FINANCES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS ($100). IN NO EVENT WILL BOSS FINANCES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
13. Indemnification
You agree to defend, indemnify, and hold harmless Boss Finances and its officers, directors, employees, and agents from any claims, damages, losses, and expenses arising out of (a) your use of the Services, (b) your violation of these Terms, or (c) your violation of any rights of a third party.
14. Dispute Resolution and Arbitration
Binding arbitration. You and Boss Finances agree that any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules. Arbitration will take place in Miami, Florida (or remotely at your election).
Class action waiver. You and Boss Finances agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class or representative proceeding.
Small claims exception. Either party may bring an individual action in small-claims court for any qualifying Dispute.
Opt-out. You may opt out of this arbitration agreement within 30 days of accepting these Terms by emailing legal@bossfinances.ai.
15. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles.
16. Termination
You may terminate your Account at any time. We may suspend or terminate your Account if you violate these Terms. Sections that by their nature should survive termination (including Sections 7 through 16) will survive.
17. Changes to These Terms
We may update these Terms from time to time. When we make material changes, we will notify you by email or in-app notice at least 30 days before they take effect.
18. Contact
Email: legal@bossfinances.ai
Mail: Boss Finances Inc., 777 Brickell Avenue, Suite 500, Miami, FL 33131, USA