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Terms of Service

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Last updated: March 10, 2026

1. Acceptance of Terms

By accessing or using Margent ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Margent is a personal finance management tool that helps users track expenses, set budgets, and manage their financial data. The Service may include features such as manual transaction entry, bank account connections through third-party services (such as Plaid), analytics, and savings goal tracking.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating an account.

4. Subscription and Billing

Margent offers subscription-based access to its features. By subscribing, you agree to pay the applicable fees. Subscriptions automatically renew unless cancelled before the renewal date. Refunds are handled in accordance with our refund policy.

  • Free trial period: 30 days from account creation
  • Billing occurs monthly after the trial period ends
  • You may cancel your subscription at any time through your account settings

5. Disclaimer of Warranties & Limitation of Liability

PLEASE READ THIS SECTION CAREFULLY. IT LIMITS OUR LIABILITY TO YOU.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Margent is not a financial advisor. The Service is intended for informational and organizational purposes only. We do not provide financial, investment, tax, or legal advice. Any financial decisions you make based on information from the Service are made at your own risk.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

  • Any financial losses, damages, or adverse outcomes resulting from your use of the Service
  • Any errors, inaccuracies, or omissions in the data displayed or calculated by the Service
  • Any decisions you make based on information provided by the Service
  • Any unauthorized access to your account or data
  • Any interruption, delay, or failure of the Service
  • Any indirect, incidental, special, consequential, or punitive damages

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

6. Assumption of Risk

By using Margent, you acknowledge and agree that:

  • You are solely responsible for your financial decisions and their outcomes
  • The Service may contain errors or inaccuracies in calculations or data
  • Bank connections and data imports may not always be accurate or up-to-date
  • You should verify all financial information independently before making decisions
  • You should consult qualified professionals for financial, tax, or legal advice

7. Third-Party Services

The Service may integrate with third-party services such as Plaid for bank connections and Stripe for payment processing. Your use of these services is governed by their respective terms of service and privacy policies. We are not responsible for the actions or policies of third-party service providers.

8. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

9. Indemnification

You agree to indemnify, defend, and hold harmless Margent and its operators, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service or violation of these Terms.

10. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service will immediately cease.

11. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

13. Contact

If you have any questions about these Terms, please contact us through the app or at the contact information provided in the Service.