Terms of Service

Thank you for using Latwy! Latwy aims to help people get their spending under control without tedious manual expense tracking or risky bank connections via third-party aggregators. The following Terms of Service are currently in force and were last updated on the date at the top of this page.

When we say “Company”, “we”, “our”, or “us” in this document, we are referring to Amalgamated Hams LLC, doing business as Latwy. Amalgamated Hams LLC is registered in the state of Colorado. When we say “Services”, we mean the websites and web applications associated with Latwy. When we say “You” or “your”, we are referring to the people or organizations that have created an account with Latwy.

We may update these Terms of Service ("Terms") in the future. Whenever we make a significant change to our policies, we will refresh the date at the top of this page and attempt to notify account holders via email. Users will not be notified about minor changes.

When you use our Services, now or in the future, you are agreeing to the latest Terms. There may be times when we do not exercise or enforce a right or provision of the Terms; however, that does not mean we are waiving that right or provision. These Terms do contain a limitation of our liability.

If you violate any of the Terms, we may terminate your account.

Account Terms

1. You are responsible for maintaining the security of your account and password.. The Company cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.
2. You may not use the Services for any purpose outlined in our Use Restrictions Policy detailed below.
3. You are responsible for all content posted to and activity that occurs under your account, including content posted by and activity of any users in your account.
4. You must be a human. Accounts registered by “bots” or other automated methods are not permitted.

Use Restrictions Policy

When you use the Service, you acknowledge that you may not:

• Collect or extract information and/or user data from accounts which do not belong to you.
• Circumvent, disable, or otherwise interfere with security-related features of the Services.
• Trick, defraud, or mislead us or other users, including but not limited to making false reports or impersonating another user.
• Upload or transmit (or attempt to upload or to transmit) viruses or any type of malware, or information collection mechanism, including 1×1 pixels, web bugs, cookies, or other similar devices.
• Interfere with, disrupt, or create an undue burden on the Services or the networks or the Services connected.
• Harass, annoy, intimidate, or threaten others, or any of our employees engaged in providing any portion of the Services to you.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use the Services in a manner inconsistent with any applicable laws or regulations.

Accounts found to be in violation of any of the above are subject to cancellation without prior notice.

Payment, Refunds, and Plan Changes

1. For paid Services that offer a free trial, we explain the length of trial when you sign up. We do not collect a payment method when you sign up for a free trial. If your trial period ends, and you haven't entered a valid payment method, your account will be paused. After the trial period, you need to pay in advance to keep using the Service. If you do not pay, we will pause your account, and it will be inaccessible until you make payment. If your account has been paused for a while, it will be cancelled.
2. If you switch subscription plans during a free trial period, your free trial will end, and you will be charged immediately for the new subscription plan.
3. If you upgrade to a higher-priced subscription plan, the upgrade will take effect immediately, and you will be charged a prorated amount based on the price of the new subscription plan and the remaining time left in the billing period
4. If you downgrade to a lower-priced subscription plan, you will receive a prorated credit that will be applied at your next renewal.
5. All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities. Where required, we will collect those taxes on behalf of the taxing authority and remit those taxes to taxing authorities. Otherwise, you are responsible for payment of all taxes, levies, or duties.
6. We process refunds according to our Refund Policy stated below.

Refund Policy

We offer a 30-day free trial to allow users to determine if the Service is a good fit. Generally, we do not issue refunds. While you can cancel your account at any time, you will retain access to the Service through the end of the billing period.

However, we understand that it's easy to forget to cancel a subscription. If you cancel your account and reach out to [email protected] within a few days of a renewal with a refund request, we'll refund the full amount of that most recent payment.

Cancellation and Termination

1. You are solely responsible for properly canceling your account. Within our Service, we provide a simple cancellation link. An email request to cancel your account is not automatically considered cancellation.
2. If you cancel your account before the end of your current billing period, you will retain access to the Service through the end of the billing period. At the end of the billing period, you will lose access to the Service and you won't be charged again. We do not offer prorated refunds.
3. Once your account is cancelled and your current billing period ends, your data will be inaccessible but will remain in our systems for some time. Within 30 days, all of your data will be permanently deleted from active systems. Your data may remain in backups or logs for an extended period. Once your data has been deleted from active systems, we cannot recover this information. There is currently no way to export data, but it's something we're working on.
4. We have the right to suspend or terminate your account and refuse any and all current or future use of our Service for any reason at any time. Suspension means you and any other users on your account will not be able to access the account or any content in the account. Termination will furthermore result in the deletion of your account or your access to your account, and the forfeiture and relinquishment of all content in your account. We also reserve the right to refuse the use of the Service to anyone for any reason at any time. See our Use Restrictions Policy above.
5. Verbal, physical, written or other abuse (including threats of abuse or retribution) of a Company employee or officer will result in immediate account termination.

Modifications to the Service and Prices

1. We reserve the right at any time to modify or discontinue, temporarily or permanently, any part of our Service with or without notice.
2. Sometimes we change the pricing structure for our products. If we do so, we will give at least 30 days notice and will notify you via the email address on record. We may also post a notice about changes on our websites or the affected Services themselves.

Uptime, Security, and Privacy

1. Your use of the Service is at your sole risk. We provide the Service on an “as is” and “as available” basis. We do not offer service-level agreements for our Service, but we do take uptime seriously. Visit our Status Page to see the current and historical status of our Service and its components.
2. We reserve the right to temporarily disable your account if your usage significantly exceeds the average usage of other customers of the Services. Of course, we’ll reach out to the account owner before taking any action except in rare cases where the level of use may negatively impact the performance of the Service for other customers.
3. We take many measures to protect and secure your data through backups, redundancies, and encryption. We enforce encryption for data transmission from the public Internet. View our Security Overview for more details on how we keep your data safe.
4. When you use our Service, you entrust us with your data. We take that trust to heart. You agree that the Company may process your data as described in our Privacy Policy and for no other purpose.
5. We use third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run the Services. Here is a list of current processors that may process your information:
   • Fly: Application hosting
   • Amazon Web Services: Inbound email processing, email sending, and miscellaneous cloud services
   • Crunchy Bridge: Database
   • Upstash: Database (non-personal information)
   • Tailscale: Secure private networking
   • Svix: Webhooks
   • OpenAI: AI services
   • Together.ai: AI services
   • Stripe: Payment processing
   • Cloudflare: Data storage, content delivery.

Accuracy and Completeness

The Service extracts information about your financial transactions from alert emails sent from your banks and financial institutions using AI technology. We do not guarantee that this information will be complete or correct, and we are not responsible for the accuracy or completeness of such information.

We rely on third-party AI services to process inbound alert emails. The Company assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, or loss of user data.

Copyright and Content Ownership

1. All content posted on the Service must comply with U.S. copyright law.
2. You give us a limited license to use the content posted by you in order to provide the Service to you, but we claim no ownership rights over those materials. All materials you submit to the Service remain yours.
3. The Company or its licensors own all right, title, and interest in and to the Service, including all intellectual property rights therein, and you obtain no ownership rights in the Services as a result of your use. You may not duplicate, copy, or reuse any portion of the HTML, CSS, JavaScript, or visual design elements without express written permission from the Company. You must request permission to use the Company’s logos or any Service logos for promotional purposes. We reserve the right to rescind any permissions if you violate these Terms.
4. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services without the express written permission of the Company.

Features and Bugs

We design our Service with care. However, there is no such thing as a service that pleases everybody. We make no guarantees that our Service will meet your specific requirements or expectations.

We also test all of our features extensively before shipping them. As with any software, our Service inevitably has some bugs. We track the bugs reported to us and work through priority ones, especially any related to security or privacy. Not all reported bugs will get fixed and we don’t guarantee completely error-free Service.

Liability

We mention liability throughout these Terms but to put it all in one section:

You expressly understand and agree that the Company shall not be liable, in law or in equity, to you or to any third party for any direct, indirect, incidental, lost profits, special, consequential, punitive or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Services; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Services; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; (v) or any other matter relating to these Terms or the Services, whether as a breach of contract, tort (including negligence whether active or passive), or any other theory of liability.